BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the victim of fraud and the charges stem from   XX/XX/XXXX   through   XX/XX/XXXX  . I was in the hospital XXXX  and now in   XXXX   XXXX  . The fees were reversed then reinstated which has overdrawn my account. I am on a fixed income and I am unable to get any resolution.     I am also unable to close the account due to the fact  M & T Bank overdrew the account. They are charging monthly maintenance fees which is f urther overdrawing my account. Please see below I have called and sat on hold for over  30 m inutes on  3 sep arate occasions.   I am a  XXXX   year old  woman with   XXXX   XXXX   XXXX   with my most recent stay in the hospital for a over a month   XX/XX/XXXX   through   XX/XX/XXXX  . I can not handle the stress. I have moved from the hospital to   XXXX   XXXX  . I faxed and mailed the dispute forms necessary to reopen my fraud case. My card # was stolen and used without my authorization. I have never done business with any of those merchants. You have removed my provisional credit and have overdrawn my account. I want all fees reversed.     My next step is to file a complaint with the CFPB and the bank President if this is not resolved immediately.     Sincerely,   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
Consumer complaint received 2018-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America has an agreement with several large corporations that automatically updates your credit card number when it changes so that recurring monthly payments ( think of your XXXX subscription ) always goes through. The intent is that so when you are issued a new card, you don't miss a payment or lose service if you forget to update your card. The problem arises when your card number is stolen through a data breach and used to pay for services with one of the companies. My credit card number was used to open up multiple XXXX accounts in XX/XX/XXXX. We disputed the charges and were credited the funds as well as issued a new card number. Because of this very poor policy, Bank of America gave XXXX the new card number and we got more charges. This process repeated over the next 2 months and we are now on our 4th new credit card and neither XXXX or Bank of America seem to be able to do anything about this. It is clear from what is happening that the fraudsters have found an exploit in this policy that essentially allows them to charge an account indefinitely, regardless of the card number. This actually hurts the merchant and the bank, as I will be getting my money back, but I do estimate I have spent close to 4 hours disputing charges over the last 2 months.

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 2017-05-05
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On    XX/XX/XXXX    I visited a  XXXX  at   XXXX   XXXX   XXXX   XXXX     XXXX  KY.     A credit application was submitted without my written consent. I pursued the doctor NOT to submit the application given that it could be a hard inquiry and will impact my  credit score.  The doctor convinced that it is not hard inquiry and submitted the application. Now my  credit score  dropped by  XXXX  points yesterday. I do n't even need this credit application. Would you be able to help revert this credit check?       XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , FL  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 2022-04-12
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 to the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Lowe 's does not send electronic statements even though you are opted in for e-statements. Opting in to reminders of a balance due also does not work on their site. The only electronic notice that seems to work is a notice that you have a " past due '' balance. I believe they are manipulating the communications such that they generate late fees from their consumers. I have proof of emails received that show when statements were sent and when they weren't. There is a clear gap in those dates. I believe this fraudulent activity is leading to millions of dollars of late fees for their consumers. Can you investigate?

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 2023-06-11
Company: Experian Information Solutions 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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2020-09-15
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2017-05-05
Company: WELLS FARGO & COMPANY
State: WV
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 about a former creditor  WELLS FARGO HOME MORTGAGE . Address :  XXXX   XXXX   XXXX   XXXX   XXXX , IA  XXXX .  XXXX   XXXX   XXXX   XXXX . The problem here is that it was paid back on  XXXX  in the selling of the property I owned, which I have supportive documents of that sale and the date of the sale and the payment to  Wells Fargo Home Mortgage. But, I was still given a negative report from   XXXX   to  XX/XX/XXXX  for making late payments. It was said I  made a  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . I tried contacting  Wells Fargo  and they saw the mistake but refused to correct it. On   XXXX   I disputed it to   XXXX  ,  XXXX  and  XXXX  but it still was not resolved. I contacted them once more on   XXXX   and still nothing has been changed.

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 2021-09-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
My wife deposited a check made out to her in my account. The teller checked her id and accepted the check. The next day we where told that they could not accepted the check because she was not on the account. They have put a hold on the money for four weeks and refuse to release to my account or refund the check back to the issuing bank. I went there and offered to sign the check and they would not let me. The issuing bank has released the funds with no issue but they still refuse to release the money. This money is being held hostage because their employee was not suppose to accept the check but did anyway. The amount of money is {$5000.00} dollars. The bank is Regions bank in XXXX, GA. The money was deposited on XXXX and they have a hold on the money until XXXX. This is totally unreasonable. This is {$5000.00} that we can not access because of an employee mistake and we are being penalized because of this. I have spoken to customer service at the bank and at corporate but no one seems to care. I asked to speak to the lady 's supervisor and their supervisor but was told no one was there and it was XXXX in the XXXX. All I ask is to have the money put back to the issuing bank which is not unreasonable. Thank you for any help you can give me.

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation
Consumer complaint received 2023-02-01
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I was looking online for a loan and I came across this one apparently I have my information through them before but I never actually got a loan I hastily applied then when I accepted I noticed my bank account information was from 3 years before. I panicked and immediately called them the next morning trying to at least change the information they told me I had to wait XXXX business days to wait for it to return to them and that when they receive it back theyll reach out and I would have to do a new application because it during XXXX XXXX XXXX XXXX  XXXX holidays i understand the slight delay but by XX/XX/XXXX they still hadnt contacted me about anything and one the portal on their website was already saying my first payment was due on the XXXX. So I called again asking about that because I hadnt even received the funds so why would be expected to pay back while Im the middle of waiting for it to return to them? The customer rep said to disregard and that they wouldnt charge that date. They said it was still awaiting return to them by this point this is already XXXX weeks or so at this point & nothing i called again on the XXXX and they implied that maybe the bank kept it because I owed money?!! And that I have to contact the bank ( XXXX XXXX XXXX ) to get them to send it back to them? even if I owed the bank I didnt owe them {$800.00} so where would the rest of the money go? And I currently work at a bank Mind you the account closed in XX/XX/XXXX and the loan was sent their allegedly on XX/XX/XXXX over 2 years after this account got closed. now its XX/XX/XXXX I havent received any phone calls except some emails now saying Im behind on payments and that Im past due on a loan I never even received. Im afraid this site is a scam or very sketchy one of the customer reps actually argued with me the interest rate was extremely high for just {$800.00}??!! And then to not even receive it the money anyway Im scared their gon na try to put this in collections & mess my credit up more. They arent even calling to say I owe just sending emails because the account is closed thats linked to the application I havent received the money they claim to not have gotten it back & since they cant charge that closed linked account theyre now saying Im behind on payments and this is attempt to collect a debt. Please help something about this site is not right.

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 2017-05-05
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We obtained a mortgage to purchase a new home from   XXXX   XXXX   XXXX   ( a mortgage broker ),   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA   XXXX     to purchase our home at   XXXX   XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX . The mortgage was sold to Amerihome Mortgage   XXXX   XXXX  ,  XXXX , NJ  XXXX . At the time of the mortgage sale to Amerihome we believed we had an escrow waiver from   XXXX   for the hazard insurance and real estate taxes. As it turns out, we only had the hazard insurance escrow waiver. On   XX/XX/XXXX ,  I paid the   XXXX   XXXX   XXXX     XX/XX/XXXX  R eal Estate Tax by electronic transfer in the amount of {$3600.00}. I later learned the Amerihome also paid the real estate tax in the same amount. I tried to ask Amerihome to request the refund from the   XXXX   XXXX   XXXX   for the overpayment so we did not have an escrow shortfall. On  XX/XX/XXXX , a supervisor at Ame rihome names  XXXX , promised verbally that they had initiated the refund and that the escrow shortfall would be correct then. As of today 's date that has not happened despite numerous calls to Amerihome and emailing them using their secure message system. My account number is   XXXX  . I can not initiate the refund reques t from the City bec ause I do n't want it to appear as a tax delinquency but Amerihome promised they would. I am totally current on my mortgage and also paid down the principa l in  XX/XX/XXXX   by {$370000.00} as the proceeds from my prior home 's sale.

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 2023-01-10
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I went in on XX/XX/XXXX for a standard office visit to see my physician I asked how much the self-pay amount was for an office visit. The office advised that it was {$100.00}. I requested that this visit be billed as a self-pay visit. The Physicians office did not bill as self-pay but chose to bill my insurance for XXXX and then charge me a balance of {$180.00}. I called them to advise that I would not pay the requested amount of {$180.00} and that they billed my insurance without my permission. I told them I would pay the self-pay the amount of {$100.00}. They refused to adjust the bill. They then advised to contact their central billing. I opened a dispute with their central billing. They denied my claim again and advised they wanted {$180.00} to resolve the matter. 

In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX  issued an update to HIPAA privacy regulations that permit a patient to pay cash. 

Patients covered by a health plan XXXX choose to pay their doctor in full for services and choose not to disclose any information to their insurance company even if the services are covered by the insurance company. 

Anyone that wants to pay on the same date of service should be able to get the discount. 

They have now assigned this account to a collection agency. Credit Systems International XXXX XXXX- XXXX, XXXX XXXX - XXXX. I have called the collection agency to advise them of the dispute and they told me they would resolve the issue if I paid the {$100.00} but would not put anything in writing to confirm their statements. This is a very deceitful tactic. Not to mention assigning any medical bill to a collection agency is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
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 called Experian several times to have the XXXX XXXX ( XXXX XXXX XXXX ) dispute resolved and the dispute commentary removed from my credit report. The Experian employees have continually told me that the account is not in dispute and that there are no dispute comments in the comments section of the XXXX XXXX XXXX  account, but I have printed my report on Experian and XXXX and I am seeing that the account still has dispute commentary in it. I can not obtain my mortgage with any dispute comments on my credit report. Experian and their inaccurate financial reporting with regards to the dispute are preventing me from being a first time homebuyer.

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