BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: M&T BANK CORPORATION
State: NY
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:
On XX/XX/2021, {$7600.00} was fraudulently withdrawn my M & T checking account. On XXXX XXXX, I went into the branch to fill out an " XXXX  XXXX  XXXX. '' While in the branch, it was determined an electronic check was created, and cashed at a XXXX Bank, unknown location. On XX/XX/2021 I went into a local branch of XXXX Bank to see if they could help with this. They provided limited information. On XX/XX/2021 a second attempt to withdraw money ( this time {$28000.00} ) was denied by the bank as a " no debits on the account '' was placed. On XX/XX/2021, {$7600.00} was deposited back into the account. 
On XX/XX/2021 the NY XXXX  Police XXXX XXXX barracks took a report from me re this situation. Report # XXXX. On XX/XX/2021, the {$7600.00} was taken back out of the account. When I inquired with the M & T branch as to why, I was told it was done by XXXX Bank as the transaction is not considered fraudulent. I was referred to XXXX Bank, but when I went to the branch no assistance was offered, all questions unanswered, referred back to M & T. M & T told me in XXXX that this is an open investigation. The local branch can not ( or will not ) provide me with some division within their company as to who I may consult with this. The NY XXXX XXXX XXXX assigned to the case stated to me he has met with much resistance from XXXX Bank re this matter.

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 2021-07-20
Company: EQUIFAX, INC.
State: MS
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:
Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called XXXX  and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over XXXX changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from Equifax and XXXX showing no changes noted. I have yet to receive a report from XXXX So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: PA
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TransUinon is in violation of the the FCRA after I am writing due to TransUnion none compliance of the FCRA. TransUnion has fail to remove inaccurate information from my credit report. TransnUnion is in violation of the of FCRA refusing to uphold the law. I have provided TransUnion with factual proof of my payment made on time for the month of XX/XX/2018. TransUnion request me to send them supporting documentation that my payment for the month ofXX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided TransUnion email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.

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 2019-05-16
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Student loans were included in bankruptcy payments, All bankruptcy payments have been paid off on time. Bankruptcy payment were complete XXXX of XXXX, Navient started showing up on my credit report in XXXX of XXXX with something called " repurchased '' and Navient says I still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: GA
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 HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: TX
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:
On XXXX I reported that I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX, XX/XX/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 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 I have a filed FTC report that I've mailed and faxed to Equifax along with this complaint an they said they VERIFIED that these belong to, but they don't and have a fraud report filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-05
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: Account information incorrect

Complaint:
XXXX dropped my score XXXX points in one day I am going to seek litigation I looking to hire attorney that goes for XXXX Transunion If they refuse accurately report my credit report that includes everything Negative Collections Inquiries How does XXXX drop my credit scores XXXX something points in one day I am going to get attorney and a class action law suit

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2020-01-15
Company: JPMORGAN CHASE & CO.
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:
This company has placed UNAUTHORIZED credit inquiries on my credit report!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
There is an error of the reporting of my account onto the XXXX  and Transunion Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. XXXX  now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.

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 2020-01-15
Company: American Elite Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American elite recovery called me numerous of times to collect a debt from the XXXX XXXX of {$570.00}. They also called my father telling him his daughter was going to be arrested at work. So I paid the XXXX on XX/XX/2019 and its still on my credit when they stated they took it off now I get the run around and they dont even have a website. File number was XXXX account XXXX their number is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-29
Company: EQUIFAX, 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:
When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MS
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-31
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving emails since XX/XX/2022 from this company harassing me about money that I do not owe them. They have also applied this collection to my credit report which is invalid because I have not signed a contract with them to owe them any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-02-22
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Last year during Texas winter freeze my house suffered significant damage due to 3 pipes bursting. My insurance company issued a check for over {$81000.00} for damages to home. 
Check was then sent to Loancare LLC, they stated i needed to find a contractor to fix home as they will be disbursing the checks. Our contractor was given a first check of {$40000.00} which was half of the quote. As Loancare LLC inspected the house they stated I was at 38 %, the contractor was informed that they will not be receiving any more checks due to not being at 50 % of work. Construction workers showed up to my house and they camera caught them stealing the materials ( sheetrock and lumber ) as well taking prostitues and having parties in my home. When confronted the contracted and workers never came back to work. As i contacted Loancare they specified there was nothing I could do at this point but buy the materials and pay out of pocket and they would reimburse me. I would no longer be able to hire a contractor as there is not much money left. I had to hire handypersons to work on plumbing, painting, siding and tile work. I have been paying out of pocket and have had trouble for this company reimbursing me back. The check released afterwards I had to make multiple phone calls and was told to pay everything out of pocket and when house is complete they could reimburse me. I don't have extra money on my bank account much less {$40000.00}, this past month i was late on my mortgage as it reflected on my credit report because this company took over 6 weeks to send me my check back. I have some outstanding receipts that they have not paid me and have been very clear that this is money that was given to me from my insurance company. I don't believe what they are doing is right, I am unable to pay for home repairs as well as mortgage at the same time. They lied to me stating they would reimburse once I paid the handyman as well as material and now they are backing out and they still have money that the insurance sent.

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