BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: DISCOVER BANK
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
Over the XX/XX/XXXX/XX/XX/XXXX I fell behind in paying my bills. When the credit card companies called I spoke to them and told them that when I started working again and was able to make a payment I would notify them. There is one company that has called almost every day since XX/XX/XXXX, Discover Card. They call on Holidays and Sundays, several times a day. I told them that I run a XXXX and that is a XXXX. I live in one of the poorest counties in Maine, it is now XX/XX/XXXX but business is still extremely slow. I do n't have money for them. On XXXX XXXX I started receiving general assistance from the town. On XXXX XXXX they plan to seek legal action against me. They call and say you must call us in the next 48hrs or else. If I had the money I owed them I would pay them. I was XXXX for thirteen years and never took anyone to court, I was never taken to court either. Thirty years without missing a bill. My house has been on the market for the last six years. XXXX realtors in six years still the house has n't sold. I spend each day going to the library searching the various job boards for several hours. When a person that has been self employed all his life tries to find a job its very difficult to find someone who wants to hire you. I have called other government agencies looking for assistance in finding work as well, as of this file date nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart felt explanation of the facts surrounding my own financial hardship. I therefore request XXXX/XXXX to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
As part of the agreement I entered into with Discover for a credit card, I was offered an additional incentive where they would credit my account with additional cashback rewards at the end of my first year. Once the first year came to an end I called Discover to confirm that those rewards were coming my way, and also to verify the amount. 
This is the transcription of the video recording I took during that phone call. 
XXXX : I wanted to just confirm one more time on the last thing we talked about, you said that all of the cashback I got from the last year was about {$350.00}, and then in a month or two I 'll get double that credited to my account? 
Discover : Yes sir, that is correct. 
XXXX : Okay, great, just confirming one more time, thank you. 
Discover : You 're welcome sir, have a wonderful evening. 
END As of today, XXXX/XXXX/2016, my end of year cashback rewards have populated on my account, but not in the full amount explained to me over the phone. The amount they credited was {$360.00}, this would be the amount referenced in the above dialogue that should have been doubled, but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
While reviewing my online checking account at M & T Bank, I noticed a series of unauthorized withdrawals on XX/XX/2022 ( in addition to petty small change amounts ), listed as " XXXX transfers, '' totaling {$400.00} + change. I notified the bank 's XXXX XXXX. at tel. # XXXX, and they froze that checking account and said they would do an investigation that could take up to 90 days. I received, signed and returned an affidavit by mail to the bank, again claiming the fraud. On XX/XX/XXXX, I called the XXXX XXXX Washington XXXX DC branch and asked if I could transfer the checking account funds to my M & T savings account. I spoke with " XXXX '' who confirmed that the funds could be transferred and she could do so on my behalf. Besides the original {$400.00} fraud amount, there were XXXX amounts in the frozen checking account also to be transferred : {$8200.00} and {$1700.00}. On XX/XX/XXXX, I accessed my M & T accounts online and noticed that the {$8200.00} and {$1700.00} we're transferred to my savings on XX/XX/XXXX, but that the {$1700.00} was then immediately withdrawn on that same date, and those withdrawn funds were not transferred back to the frozen checking account ; I've made numerous calls to both the XXXX XXXX, both on XX/XX/XXXX and dates prior, such as on XX/XX/XXXX, to discern the status of the investigation, but nobody answers the fraud line, and all representative tel. Numbers I call and branch I visit ( at XXXX XXXX ) for this bank keep telling me I must deal only with the XXXX XXXX bank XXXX, but they won't/do n't know how/refuse or are purposely involved in this loss of my funds. Further, upon balancing accounts it appears that the original {$400.00} fraud has not been rectified. Therefore, I am at a loss of not only {$1700.00} but also {$400.00}. Please help me recover the loss of my hard-earned money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
file a dispute about incorrect items on my credit report and its been over 30 days with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Seterus Inc. using deceitful tactics to get an extra payment on my mortgage. 
I am trying to sell my house. The title company sent a document for me to sign requesting Seterus company ( XXXX mortgage ) and XXXX ( XXXX mortgage ) to release payoff documentation on XXXX XXXX. XXXX XXXX sent the information within a day. Seterus company sent a confirmation that they received the document. The Title company never received the payoff document. 
We called today as we had not received anything and were told they had to confirm with me because it was not clear and the form did not have the word " release '' ( the form I used said " furnish the title company with the pay off quote '' ). Bottom line, it would take 2 weeks from today ( 10 business days ) to receive this document. That means my closing will be delayed 3 weeks and at that point a new mortgage payment will be added. 
I called in the afternoon to request a payoff sent to me so at least the title company can start working with the numbers and I was told I was not " eligible '' for a payoff request (??? ). I requested to speak with a supervisor and I was yelled at saying what part of no I did not understand and that a supervisor would tell me the same thing.. I was put on hold and then she hung up. I called again and was told the pay off request for the title company had been cancelled ( I assume the representative that yelled at me did it out of spite ). Thankfully the new representative XXXX XXXX was very kind and put it in the system again to order the payoff. Now it remains to be seen if I get one or not. 
I would also like to let you know that the last 2 years they have failed to pay the homeowners insurance on time, had the policy cancelled on me, and both times my policy went up because of it ... money that Seterus made me pay by increasing my monthly payment to cover the escrow deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XXXX, my debit card was pre charged for a hotel stay. During the check in process, the hotel cancelled this stay due to the fact I had a cat with me. When I had made the reservations their online page stated they are pet friendly or I never would have made the reservations. Nonetheless, the hotel reserves the right to cancel.

After 2 weeks and the funds from the cancelled reservations still had not reversed, I contacted my bank, BMO Harris. It took another 5 weeks after I reported this for BMO to issue me a provisionary refund. 
As of last night ( XX/XX/23 ) BMO reversed the provisionary refund, leaving my account negative {$500.00}. 
I had filed a police report in support of my claim. I provided BMO with a copy of the cancellation email I received from the hotels cancellation. I did everything they requested in order to receive my money back. Only for them to reverse the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX  XXXX XXXX Balance : {$430.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have posted late payments onto my consumer report in violation of 15 USC 1681 ( Exclusions from a consumer credit report ) I have attempted to get these incorrect items removed as they are causing damage to defamation of character as well as enablement of Identity Fraud. 

Please have the indication of lates deleted or removal of the entire account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: GMA Investments, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, XXXX at XXXX, XXXX from XXXX XXXX called me and left a message that he had left numerous messages for me. That is false. He also tried to call other people who he thought might be related to me. These people have told XXXX at XXXX XXXX  on XXXX XXXX, XXXX to not call them again looking for me. XXXX told the people that he called looking for me that I gave XXXX their phone number. That is a false statement. 

This company calls my home phone and cellular phone 10 plus times a day and does n't leave messages. The calls start at XXXX and do n't stop until XXXX. 

The telephone numbers for XXXX XXXX  are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, California per caller ID. 

They are not the original creditors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Self Financial has been committing violations against me and my consumer report without sending me a statement 21 days prior to communicating with any third parties about my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts on my credit have been opened fraudulently, I have made a dispute with credit each bureau and notified them of this action and I was told that information. Some have responded that it is accurate and verified which is illegal and false. They have failed to follow proper procedure to check if this account is mines and which it is not so stating that its verified is false and illegal and wrong. 
Ive sent my Driver license, Ftc Report fraud report to each company and also contacted them and told them the issue. If properly investigated this account should be removed off my credit XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX open fraudulently XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXX Account Number : XXXX opened fraudulently not me or mines XXXX XXXX XXXX Account Number : XXXX this is fraud account and not mines XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account number XXXX, this account is an authorize user account that I didnt authorize, it is reporting illegally on my credit without my consent Ive notified Experian of this as well Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CONSUMER PORTFOLIO SERVI XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX did not have proper authorization to access my credit report but did and this is a violation of 15usc1681n. this event happened on XX/XX/2023 and ever since it has been a factor of denial of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Below you will find the list of institutions that got a copy of my credit report in the past I have had no luck removing them with previous methods so this is my final resort. Please delete these inquires off my credit report. 

XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XXXX XXXX, XXXX, XXXX  inquiry dated XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX OF XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation