BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Summary : Accounts are continually opened online in my name at M & T Bank On XX/XX/, from M & T Bank a checking account was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently. M & T closed the account and sent me a letter. I received a bank account Statement and saw that {$280.00} was deposited and withdrew from this account before it was closed On XX/XX/, another account from M & T was opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently on XX/XX/, XX/XX/, XX/XX/XXXX  same exact issues with M & T bank, accounts from M & T were opened in my name and I received a debit card in the mail- I called M & T and spoke with an agent and also their fraud department to close the account as it was opened fraudulently - I begged that they flag my name and notify me and do not open the account - they indicated they could not because it was done on line. 
M & T indicated they have my name, ssn, address so they can open account - again I pleaded my case that they do not automatically open and account and call or email me- they said they can 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 non-monetary relief
Consumer complaint received 2019-10-31
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: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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:
XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit file from XXXX XXXX/XXXX/2023 Unknown Hard Inquiry placed on my Equifax credit from XXXX Neither of these hard inquiries are ones that Ive authorized or even have any knowledge of. I have submitted disputes on both of these 4 times each to Equifax. They are not even looking at them and only using an automated system which is NOT checking the validity of these Hard Inquiries nor are they reaching out to the source to verify as the dispute cases are being automatically closed within a few hours. Within their dispute results they do not provide ANY type of documented proof or source of the reason the company drew a hard inquiry on my credit. I have no clue where or why these were placed on my credit and have yet to be provided with any factual information. 

The ONLY hard inquiries that I authorized in XXXX were for my auto loan for my truck and thats it. 

I am not sure if Im a victim of credit fraud or what but Ive placed a freeze on credit with all XXXX credit bureaus. I really need this looked into by an actual person to help resolve. 

Disputes Submitted to Equifax : XXXX/XXXX/2023 XX/XX/2023 XXXX/XXXX/2023 XXXX/XXXX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: CA
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:
I ordered furniture from XXXX XXXX XXXX and used my Citi Bank Brand source credit card to pay for it, but I never received the furniture I ordered, and despite having evidence of XXXX the finance manager trying to extort money from me and intentionally defrauding me during this transaction, Brand source and Citi bank refuse to help me. I have filed complaints with both and they both say because I filed one week after the 60 days of the charge being filed they refuse to help and dispute the claim! They have refused t make a corona virus exception! 

XXXX XXXX XXXX  unethically used the corona virus as a delay tactic to prevent me from filing the dispute within 60 days since they knew all they had to do was fraudulent claim the custom order was still being built! I want someone to investigate this because I have found other victims of this scam by asking the maker of the couch if this couch was indeed delayed or if XXXX XXXX XXXX intentionally lied and committed fraud! During this state of emergency Brand Source and Citi Bank have been implicit in XXXX XXXX XXXX abusing the coronavirus pandemic by not giving its customers the same protections it uses to deceive its consumers with! This is not okay, especially during a federal state of emergency! 

XXXX XXXX XXXX is not registered with the state of california, they are under a umbrella corporation called XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, California 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 2019-05-06
Company: EQUIFAX, INC.
State: IN
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 sent several letter to the credit bureaus specifically asking them for name and contact information of account they say they have verified. Instead of the information i requested I receive updated credit reports stating the accounts we mine. 
After the first letter I sent regarding inquiries, I received a letter from euifax stating it is normal practice when car shopping for the auto dealership to submit my application to various dealerships. I still have yet to receive any coorespondence from any of the bureaus with the information i requested. I have received emails from XXXX and Equifax stating my dispute has been completed but no answer to my questions of contact information of the persons verifying my accounts as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: FCI Lender Services Inc.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have requested a loan Payoff from the Servicer of the loan, as requested by those who are helping us. That Payoff amount has been received as of date. The people who are helping had asked also for the loan document, which was the Promissory Note. We sent them the exact same copy that was provided to us from the debt owner. The requestor wanted to see the original terms of the loan, with the intent to possible negotiate a settlement amount on the balance if possible. Sometime after receiving the Promissory Note we were told that the main terms of the Note was missing, or not assigned to the paperwork we provided and this may explain the blurred page that I've asked about before. We had mentioned that we were made aware that something was wrong with the Promissory Note several times over but were never told what the problem was. Only to not sign the loan modification because it would fix the problem. We're also told that the alterations on the stamp section of the page, if not there when we signed the Promissory Note, to include the blurred page and missing TERMS, would need to have our assent to make the document not being VOID. They mentioned other stuff, but what is really important is to know where the terms are and why are they not showing on the document. They ask for the following : Interest rate -- Payment Amount -- Maturity date -- Due date -- Number of years term. Two other things I'm not able to make out, but one looks like Promise to pay. Please examine the attached copy as to verify that it's the same received. I've copied a part of an article they shared with me from a recent case overturned in Maryland this past summer. 

" The Court of Special Appeals was particularly concerned that the lender did not comply with Maryland Rule 14-207 ( a ) ( 1 ), which requires a certification that the loan documents filed with the order to docket suit are true and accurate copies. Instead, the papers appended to the order to docket suit were alterations. 

Further, the court noted that foreclosure proceedings are equitable in nature and that courts of equity require that litigants have clean hands. Because the court found that the lender in this case did not meet that standard, the Court of Special Appeals reversed the order of the circuit court '' Hopefully this would be our last request

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 2019-05-04
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As of XX/XX/XXXX, XXXX is once again claiming that I am a student at XXXX College. This was previously fixed but now the fix has been undone. I am not a student at any institution and have not been a student at any institution since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: EQUIFAX, 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 XXXX XXXX continues to furnish credit inquiries on credit file from XX/XX/2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a Capital One credit card that went to collection due to miss payments. I had complications with my XXXX and stop working. Capital One sold the account to XXXX XXXX XXXX, XXXX Capital One still showing on my credit report. I have requested a validation letter to this other collector XXXX XXXX XXXX since they can't prove that I signed a contract with them, I'm not paying this account unless they prove me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collections company Caine and Weiner has put on my Credit Report a debt owed of {$170.00} for XXXX XXXX. I paid them {$170.00} utilizing my prepaid debit card on XX/XX/2019 and they still have not removed it from my credit report. I have called them twice about not removing it from my credit report and they give me a different excuse each time I called but do tell me I do not owe them anything anymore. It's been 6 weeks. I can not see what their issue is but it's holding me up from getting approval from applying for a VA mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I paid Discover {$4300.00} to pay off a balance transfer offer that ended this same day. In my haste, I misread my statement that stated I in fact owed {$4300.00}, leaving {$81.00} to accrue interest beginning XX/XX/XXXX. I made another payment on XX/XX/XXXX in the amount of {$200.00} which should have satisfied this interest-bearing amount. I didn't notice the interest charged until my XXXX statement was available on XX/XX/XXXX. Being a holiday weekend, I waited to call Discover on XX/XX/XXXX. I spoke with XXXX for roughly 40 minutes, during which, she was unable to provide me with an explanation other than " that's how interest is charged. '' If you calculate the daily interest rate ( 0.1599 / 365 ), based on the number of days between XXXX ( 26 days ), the interest charge should have been roughly {$0.00}. After not addressing my concerns, XXXX transferred me to " someone else that can help you understand how to calculate interest. '' I was greeted by XXXX in the " Delaware Center '' who identified herself as a supervisor. She asked how she should help, but the previous representative had not transferred over any notes or my concerns, so I had to explain myself again to XXXX. XXXX proceeded to tell me that my billed statement was " incorrect '' and does not show the " average daily balance. '' However, when I challenged her on where the consumer could get this information outside of their physical billed statement, she said " you'd have to call in for that. '' Knowing I was getting nowhere with XXXX, I thanked her and called back to determine the amount currently bearing interest according the Discover 's " average daily balance '' which was told to me to be {$270.00} - a far cry from {$81.00}. This amount included a total interest amount of {$4.00}. I made a prompt payment in the amount of {$270.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, 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:
There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX  XXXX ACCT XXXX, Ive never had an account or visited XXXX  XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX bankruptcy discharged # 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 2019-09-27
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
My wife and I were defrauded by a hotel that was advertised by American Express Travel as a 4 star hotel. It was a dirty, unventilated room and the hotel had no food. We have tried to resolve this with American Express and American Express Travel by disputing the charge twice. We have photos of the room and an explanation of the conditions. 
The hotel charge was {$300.00} for one night on XX/XX/2019 in XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Using the Experian website, I'm unable to lift a security freeze on credit reporting about me by Experian, despite entering the PIN Experian gave me when I placed the freeze. The website demands a bunch of other information, including my SSN, birthdate, and address, and it presumes my address is in the USA - it demands a state and ZIP code - which it was when I placed the freeze but isn't anymore - I now live in XXXX. When I submit the form, the website declares that it can not lift the freeze and advises me to send paper mail to an address in Texas, including a stack of documentation to prove I am who I say I am. Calling Experian on the phone leads to a phone tree ending in a recording of the same advice. ( No possibility of talking with an actual human is ever offered. ) WHAT THE XXXX?! I have the PIN. That should be enough. It's outrageous to demand that I spend a bunch of time gathering and sending documentation on paper and then wait who knows how long for a reply ( which like as not would be, " We're sorry, but ... '' ). This is flatly unacceptable. 

I've encountered no such problems lifting freezes at XXXX and XXXX. 

*Entering my address when I placed the freeze or my last address in the USA does no good. And as far as I can tell, Experian has no presence in 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 2023-06-15
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Convergent outsourcing 15 U.S.C 1681 section 602 A. States I have 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.

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 2019-09-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has a terrible hold on my credit and I can not get my real credit report. I have been getting different Equifax credit reports from monitoring and I want to be compensated for paying for a service that I am not getting. I pay {$20.00} a month and can not get my right copies of my credit report even with paying them and I have lost so much money due to this and it is creating many problems with me trying to qualify for a mortgage. Equifax is releasing information to third parties that is has yet to release to me and I need to get an attorney involved ASAP if this can not be resolved. 

I was on the phone for hours yesterday with two associates that could not figure out what was going on.

Company response to consumer: Closed with explanation