BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/23 I took a personal check made out in my name by my brother in law in the amount of XXXX XXXX to an M & T bank to deposit it in my checking account. This was after an attempt to wire the money from XXXX XXXX to M & T bank failed. I was told that due to the amount of the check, it needed to be verified and my brother in law + XXXX XXXX would be contacted to confirm the checks validity. I found out XX/XX/23 that the check was not processed and was told to reach out to the other bank to inquire. XXXX XXXX told my brother in law the transaction was good on their end and the issue was in the hands of M & T. Later that day I lost access to my online banking app and was told my account was on hold. My account was running low so I took another check made out by XXXX for my recently totaled vehicle to M & T only to find out that the Fraud department had my account locked and no transactions could be made. What made things worse was today on XX/XX/23 my direct deposit from work was sent to M & T and I had no access to that or any of my other balance. The customer service representatives said there was nothing they could do and the fraud department said nothing can happen until the investigation was completed which could take anywhere from XXXX days. I am not fortunate enough to be okay with thousands of my dollars being held from me without good reason. I have bills to pay, living expenses, child care expenses that are not being met and its infuriating and utterly ridiculous that I can not access my own money in the XXXX century. I understand there was an issue with the check between the banks, but the issue should have been solved between them. Not taken out on an unfortunate consumer who relies on his biweekly paychecks to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I wrote TransUnion and XXXX and requested that they remove the inquiries. I called TransUnion and XXXX and requested that they remove the inquiries. Each respective agency suggested that I submit an identity theft claim to the FTC, print out the report, then send a copy to each of them. 

I sent a request to each company and asked them to remove their respective inquiry. Only XXXX XXXX XXXX, XXXX XXXX, and XXXX has responded. 

XXXX and XXXX XXXX findings were inconclusive or they were able to verify the unauthorized I attempted to submit the identity theft report to the FTC ; however, I was redirected to the CFPB website, whom I am told, addresses everything relative to credit reporting.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following 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 non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX  XXXX Bal. {$0.00} Acct # : 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 2023-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Description : Due to the current situation, we are trying to cut on expenses. Our Escrow payments for our Mortgage is one of them. We have reached out our bank WELLS FARGO to cancel our private mortgage insurance ( PMI ). We have received a letter from them stating that we have 3 options for this. XXXX. Wait until PMI is removed automatically until reaches the scheduled termination date. XXXX. Cancel PMI using original property value when the mortgage reaches 80 % XXXX. XXXX. Cancel PMI using a new property value showing significant improvements that increase value of property. 
We decided that only option 3 was suitable. To move forward with option 3, we, the homeowners, should order an appraisal through XXXX, which is the designated appraisal vendor. The price of the appraisals start at % XXXX for single families. 
Wells Fargo also stated that XXXX is an independent certified appraisal vendor who is not affiliated with the customer or them. 
My complaint is : XXXX. Why as a Homeowner we do not have the option to choose our own appraisal company. Wells Fargo is known for XXXX  business and we do not trust them XXXX. Why Wells Fargo does not provide to homeowners more then one appraisal companies. How confident I can be that XXXX is trustworthy company when there are no reviews, and no one video in XXXX XXXX. 
XXXX. Why is so expensive this appraisal when is usually no more than {$300.00}.

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 2020-04-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My wife 's employer wanted to send her {$1000.00} dollars while she stayed home during the coronavirus. I had my wife tell him about Venmo, which I had used to send a music teacher {$60.00} twice with no problem. On XX/XX/2020 at XXXX XXXX I got the first email from Venmo ( attachment {$1.00} ) saying my sender had sent me {$1.00}. 

I clicked to accept the {$1.00}. 

At XXXX XXXX   the same day XX/XX/XXXX I got the next email from Venmo ( attachment {$1000.00} ) : I clicked to accept payment. 

Note that the Subject line says the sender " paid you '' not " is thinking about paying you '' or " would like to pay you '' -- no. " Paid you. '' So I click to accept payment and lo and behold the {$1.00} is in my Venmo account, but the {$1000.00} isn't. I wait a day or two, try several more times and finally complain on their website. 

I receive this response : " Hi XXXX, XXXX from Venmo here and I'd be happy to take a look into that for you! 

I am not able to locate this payment and can confirm it was not successfully sent to your account. I would recommend contacting your friend to have them re-send the payment or have your friend reach out to us directly. 

Similarly, you can send them a charge request and give them a heads up that you never received the funds. If they are able to successfully accept the charge request, the funds will be put right onto your Venmo account. 

For more information about how to pay or charge a Venmo user, we recommend checking out this article : XXXX XXXX XXXX  '' I do not want to contact my " friend '' who I have never met, I don't want to reveal to him that I have invited him to entrust his banking information to people who seem to have misplaced his {$1000.00}. This is highly unprofessional on Venmo 's part. I'm supposed to go looking for the money? I'm supposed to ask the sender to " resend the payment ''? He will rightfully fear that he will be double billed. 

As I told Venmo, they are " incompetent AT BEST. '' Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 non-monetary relief
Consumer complaint received 2023-07-14
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:
SEE ATTACHED In accordance with the Fair Credit Reporting Act The list of account below has violate me federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOW WAS THIS INFORMATION VERIFIED AND/OR DISCLOSED, ON WHAT DAY AND BY WHO? 15 USC section 602A states i have a right to privacy. 15 USC section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I ONLY have one name XXXX XXXX XXXX, XXXX phone number XXXX, and XXXX employer- United States Postal Service XXXX XXXX address XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX fl 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 2022-05-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent a FTC packet including the following items Cover Letter, FTC Report, Police Report, ID and SSN Card the company said they can not use this in their investigation to block information off my consumer report but under Federal Law all Consumer Reporting agencies must block/Remove any information deemed fraud by the consumer within 4 business days after receiving their Identity Theft Packet

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 2022-05-06
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Maximus Education, LLC dba Aidvantage
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:
first for most I respect and honor our promissory notes to pay Aidvantage. my reason for filing a complaint is, the DEP/AIDV accounts that are XXXX years old are to be deleted permeant. Aidvantage states that I only asked for delinquencies to removed but i demanded more than that I also stated for all accounts over the XXXX-year age limit be deleted. On XX/XX/2023 you received a letter address to you on the envelope but on paper addressed to XXXX about the furnishing of your account data information on me. on XX/XX/2023 an investigation was filed by XXXX. The investigation results came back with the information of Deletion of XXXX DEP/AIDV accounts. On XX/XX/2023 NEW ACCOUNTS were furnished onto my consumer report without my knowledge. XX/XX/2023 another dispute letter was sent out and your Aidvantage invesitgation shouldve sent me results of the invesigation, only one sheet of paper was sent explaining to me nothing of what results came about after my dispute. it was intentional and misleading. The accounts that were furnished on XX/XX/2023 have the same amount of the investigated deleted accounts. you have violated my rights as a consumer FCRA 605 ; 15 U.S.C 1681 ( c ) ; 12CFR 1006.30a. my affidavit of truth is attached to my earlier complaint through CFPB. I appreciate your response, but this response does not legally refute any of my claims in my affidavit. and all documentation to support this claim I have and are attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is not even licensed in my state to collect anything at all. I will be contacting the XXXX of their state as well as mine. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits

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 2022-05-06
Company: GOLDMAN SACHS BANK USA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Marcus by Goldman Sachs purchased the credit card receivables of XXXX  XXXX and told us all, 'to be patient while we transition over millions of customers from XXXX  XXXX to Goldman Sachs ''. I received an email from XXXX by GS that I had an upcoming payment and like every month I instructed my bank to pay the full amount. 

A few days later on XXXX XXXX I get a further notification from XXXX by GS that my account was now blocked because I had not made a payment and there was an approximate {$35.00} interest charge and a {$29.00} late fee. It turns out that in the transition as frequently happens it did not go smoothly. I called, pointed our their deficiencies, helped them get my bank account properly connected and then made a full payment of approx. {$2800.00}. I asked that they remove the late fee and interest charge. They agreed to remove the interest charge but not the late fee but they lied about removing the interest charge. It is still on my XXXX, XXXX  bill. They escalated my request and said it would take a week. Today I called them again and they had nothing to tell me. I said I would file a complaint with the CFPB because they are abusing their economic market power with many retail customers who might not realise that leaving a 'late fee ' flag on their account will give XXXX by GS the opportunity to charge them a higher rate of interest on their balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX late open 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital one charged off an account on my credit report and the card was never mine to begin with. it was obtained fraudulently. I have disputed this several times with no progress. The account was closed XX/XX/2022.

Company response to consumer: Closed with explanation