BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have sent IRS Noti ce of Withdrawal of Federal Tax lien to   XXXX , TransUnion and  XXXX  to delete the entry from our records, and they have not.

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 2017-05-08
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: Information belongs to someone else

Complaint:
I HAVE ADDRESSED SEVERAL ISSUES WITH EXPERIAN THEY HAVE NOT REMOVED FRAUDULENT INFORMATION FROM MY CREDIT FILE THEY HAVE REMOVED THE ACCOUNTS SEVERAL TIMES AND HAVE NOT CONTACTED ME THAT WITHING 5 DAYS THAT IT WAS REINSERTED IN MY FILE

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 2023-08-16
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited A XXXX  XXXX XXXX check into my M and T account. I was told by M and T my Funds would be released within 5 buisness days it was deposited on the 7th of this month.XXXX XXXX XXXXXXXX told me that M and T bank cashed the check for XXXXM and T says they have an investigation they're giving me no information XXXX transparency.I simply want my money so u can close out this account..M and T clearly does shady buisness, and I'll never deal with them again..I 've given M and T all the information proving the check is legitimate... Not to mention they've already cashed the check and received my money as XXXX XXXX XXXXXXXX revealed that to me..not M and T.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this complaint for the reason that I have been dealing with TransUnion for a few months regarding inaccurate inquiries on my report Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to TransUnion to verify the disputed account and remove them if unable to prove that the account is mine. TransUnion is failing to remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, as I was told by a TransUnion rep and mailed everything. Only 2 inquiries were deleted. I called to see why only deleted 2 inquiries they stated that they didn't receive anything for the other inquiries. So I send them again. I haven't got a response when I call to see the statues It doesn't get me nowhere. I have had ENOUGH! how much documentation does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! DELETE the Inquiry which I do not own. 1.XXXX Date:1XXXX 2. XXXX XXXX Date:XXXX 3. XXXX  Date: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
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
I am a victim of identity theft and I did not authorize the following inquiry : XXXX XXXX  XXXX XX/XX/2023

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND XXXX  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 non-monetary relief
Consumer complaint received 2019-10-05
Company: CITIBANK, N.A.
State: PR
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: Was not notified of investigation status or results

Complaint:
For no reason and Without any explanation they close my account with my sears card.. They never send me a letter or a notification on any problem regarding on my account. My account was use daily and never had any late paid or anything wrong with the payments i always paid the monthly bill in full. I been a member since 2014 with the card and Im a daily user of my credict card and never been late on a payment in 5 years. I call the company and they said that because of my passed credict they close my account.. I never paid any late fees or missed a payment on that account to be treated like a bad costumer. For some reason the target me for my passed.

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 2018-11-15
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX XXXX XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-10-16
Company: Albert Corporation
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX through the XXXX. I have been trying to contact Albert about issues when it comes to purchasing and or transferring available savings and XXXX XXXX customer service techs is not efficient and they do not help they tell you one thing and its another. Its been an ongoing issue for the past couple days and is very upsetting. I have been dealing with this for three days. I'm getting charge for a service that's not even helping nor can't help at this point. Especially after I referred almost 48 people. I will definitely tell them not to use the service. At least the other cash advance apps are more helpful and efficient than you all. I am very disappointed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX  I send a certified letter to the credit bureaus stating I received a copy of my credit reports. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I contacted the credit bureaus and all   XXXX   credit bureaus refuse to remove any of the inquiries off my credit reports. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; firm offer of credit, insurance, employment, and a court order.

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 2017-11-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, my dental insurance provider concluded that my previous Dentist, XXXX XXXX XXXXXXXX XXXX was liable for the defective work performed on my XXXX. XXXX XXXX issued me a credit card ( via XXXX XXXX XXXX ) to pay for this XXXX. For months, XXXX XXXX XXXX refused to accept responsibility ; even though my current Dentist and my insurance provider, found them responsible. They ordered XXXX XXXX XXXX to refund me to full amount of my co-pay. 
On XX/XX/XXXX, I received a check from XXXX XXXX for {$400.00} and yet, they are still sending me collection notices and sent this statement to collections. I have received many phone calls to pay the balance of a dental procedure that my own insurance informed me that I was liable for. To date, I paid {$780.00} towards a defective XXXX. I am still owed {$370.00} for the remaining balance I paid for my co-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
my loan was transferred on XX/XX/2019 from XXXX  XXXX XXXX to specialized loan servicing llc ( SLS ). SLS has not sent a statement since the transfer. i have called several times asking for a mailed copy of the statement and they have not sent it. i have called several times and complained. the third time i called they emailed me a statement which was incorrect.since then i have called several times asking for them to email me a statement and they say they will send it to me and they do not send it. 

i mailed in a payment but since i do not receive a statement i do not know if they processed the payment to my account. i need help because i believe that this might be a scam. i looked at online reviews and others are having the same issues. 
this is the review site : XXXX XXXX XXXX all i want to do is receive a statement, pay my loan and be assured that it is credited to my account and not ruin my credit. thank you

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2022-08-05
Company: EQUIFAX, INC.
State: OH
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:
I have disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by XXXX, Equifax and XXXX. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even 1 inaccuracy, which one is actually reporting correctly? I sent Method of Verification request letters to all 3 bureaus certified mail which have all been received but only XXXX and Equifax have responded. Equifax sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the two collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. XXXX simply continues to state the accounts are verified. XXXX has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: DISCOVER BANK
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Discover claims my tranasctions are factual and have not provided receipts of deposits into their bank account to share delinquent postings. Discover has previous consent orders for deceptive acts and practices, unfair practices by overstating minimums due and violating fair debt collection practices per XXXX. 
Where is the proof the data is factual and accurate according to Discover? Nor have they complied with the congressional Pandemic law that makes it illegal to share derogatory payment information of any consumer during the pandemic, which still has not been declared over. Nor have they followed my written instructions to DE-LINK my account from sharing my private data, transactions or experiences. REMOVE all comments and labels saying DISPUTED on my consumer reports, I clearly, conspicuously, & unambiguously revoked consent to collect or share my non-public data. They don't follow their own card agreement to limit my data when I've repeatedly written and called them to stop their inentional violation of my rights. Discover agents are prohibiting me from correcting erroneous postings on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Between the dates of  XXXX  a steady repayment method has been made of nearly  XXXX  a month to Federal/Private student loans.     Having become  XXXX , I have recently fallen into financial hardship and have requested a delay of payment but   Navient is now taking action to send me to collections.
During struggling periods, this is not the first time repayment methods have become a problem with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NM
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:
I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, Experian, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/XXXX XXXX, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and XXXX XXXX together. So when my finance person and I went back to see what Experian was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed XXXX XXXX on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XX/XX/XXXX and I am getting very frustrated with the whole system. I am going to try to contact XXXX XXXX again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!

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 2023-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I wire transferred {$620.00} using my Bank of America online services to the beneficiary " recipient '' in XXXX XXXX 
The money never made it through. 
I contacted BOA " Wire room '' at XXXX more than 30 times and walked into 2 different branches seeking help in returning my funds.

many complains and management escalations had been turned in by BOA wire room representatives on my behalf to BOA. 
Unfortunately, I had been giving the song and dance about the money being stuck at their middle bank " XXXX  ''. 
Also, last month I was told that form " 202 '' needed to be completed and returned to " XXXX  '' from an account manager at BOA to complete the refund.

That simple task was not done. 
I was provided with a case # XXXX I have not been contacted by anyone from BOF except 1 missed call and a message from XXXX at the wire room stating to call the XXXX if I needed help. 
This poor communication is extremely unacceptable and consumers should not chase their financial institute regarding our hard earned money. 
Can some one please call me. I truly need help.

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 monetary relief
Consumer complaint received 2022-12-23
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi, I have an active plan with Amex for 24 months at 0 % interest rate for the original amount of {$7500.00} ( on my credit card ) Recently I paid part of the outstanding amount i.e. {$1500.00} dollars assuming it will be used against the outstanding payment ( regular credit card balance for the month ) and not the active plan. I called Amex customer care to ask them if they can use that {$1500.00} for outstanding balance for the month and not for active plan as that is not my intention. Customer service representative told that they can not do that and payment hierarchy is such that it would pay the plan balance first if I paid any extra money before the bill due date. 

Now this is outright deceiving the customers. To me this is common sense, Why would I want to pay off the active plan ( 0 % for 24 months ) before the outstanding balance ( XXXX dollars ). 

I'd like Amex to use the {$1500.00} dollars against outstanding amount and not plan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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