BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
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:
Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX  put a hold on my entire account instead of just holding the deposited funds.

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 2017-10-06
Company: STERLING JEWELERS, INC.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ga XXXX Dear XXXX XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX fl XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. 

Thank you for your cooperation. 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 2019-04-13
Company: First Associates Loan Servicing LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with XXXX LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXXXXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that this XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXX and XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter, ( dated XX/XX/2022 ) which apparently crossed in the mail with my regular mortgage payment, stating that an amount of {$520.00} was " unapplied. '' And that I needed to send them {$340.00}. I was completely confused. I had not sent any partial payments. 

I wasted some personal time calling in. I initially spoke with XXXX, who simply gave me back the information I had given her. I asked for the manager and spoke with XXXX. He let me know they have this excess amount of money which is mine and that they also had my full payment. I parenthetically state they made mention the word " foreclose '' in their letter. 

XXXX agreed to send me back this money. He said it would take 7-10 business days and I would receive a check. This is what I expected and I believed I would receive a check shortly. 

Some days later, maybe 6 or so. I get an unrecognized call. I usually do not answer, but had workers trying to reach me so I did. Some woman saying I'm XXXX from M & T bank is demanding to speak with me and is telling me I have to fax the bank proof that this excess money is not ill-gotten gains. Or some polite version of that. 

I should have thought that would be the bank 's job to do the forensics on this to understand where they made the error. I told her I didn't have to do any such thing, with slightly more colorful language [ I do not speak to banks by phone unless I actually personally know the people ] and told her that anything else she had to say to me would be in writing and disconnected without another word. 
Please assist me in communicating to the bank the importance of : 1 ) Notifying people they have " unapplied funds '' and leaving the word " foreclosure '' out of documents unless the client is in arrears. 
2 ) Refunding such money the instant it has been discovered, not initiating a conversation about it. 
3 ) Not demanding that the account holder do the tracing of the money. I did not send them additional money, it is likely left over from something they never had to pay for, charged me for it and never returned it. 

Thank you for your assistance in obtaining a refund of these " unapplied '' funds. 

Kind Regards

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 2017-10-26
Company: EQUIFAX, INC.
State: MI
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:
Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. 
I have been trying to enroll in their credit monitoring system since the hack was reported. 
I attempted to enroll in their online system on XXXX, and multiple times since then, only to be told " the system is unavailable-try again ''. 
After weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that " we will escalate this to our technical support team-they will respond within XXXX business days. 
Equifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. 
Equifax should be held accountable for their breach and provide this service immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXhis 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 XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are Ally Financial XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

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 2017-10-26
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I was denied an extension of credit and discriminated by WESTLAKE FINANCIAL SERVICES ON XX/XX/2021 when I was denied an extension of credit when I attempted to obtain a vehicle for my personal household and family use.

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 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with TransUnion for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.

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 2019-08-07
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 Did Not Authorize anyone to open any Account Using my Social and ID to open this 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 explanation
Consumer complaint received 2022-04-01
Company: Credit Karma, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX tax return payment was given to Credit Karma but I dont recall where I agreed to it on XXXX XXXX When money was deposited on XX/XX/XXXX I was unable to link to my bank account. It allowed me to login to my checking account and showed my balances but would not link to transfer money from Credit Karma to my bank. Repeatedly called and emailed customer service but they were unable to resolve the issue and I was told I could only access my money from their card. I was forced to activate the card to use my money and have no way of taking it all out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a credit card for Regions Bank. I have a credit score above XXXX. I have never defaulted on a card and never had a late payment. I own my home with no mortgage and I am not a financial or credit risk. I have outstanding. I am unclear why my credit limit is so low at {$1700.00}. I feel as though it is arbitrary based on my protected class because my credit history is impeccable.

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 2020-04-25
Company: Experian Information Solutions Inc.
State: CA
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:
Issue is with Experian credit reporting Experian 's report was the cause of a declination/loss.

Their website is very deceptive and misleading. They purposely bait consumers into enrolling in a program which eventually results in a fee. 
It is very hard to find the actual link to obtain my credit report after they were the reason for the declination. 

Furthermore, they have unreasonable requests that creates an undue burden on the consumer. Other reporting agencies do not have these issues and have very clear and concise pathways to get a free credit report with out enrolling in their subscription. 

Experian, through misleading offers, almost forces you to enroll without a clear disclosure. 

I find their processes, very burdensome almost to the effect that its not worth wasting my time with them, and i'm sure that is what many consumers are left with - unreasonable demands and web offers that tire them out from reaching their goal - to simply review their report and score. 

This organization is purposely misleading the public and needs to be addressed through penalties, etc.

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 2017-10-26
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.

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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX  I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!

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 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I lost my bank of America credit card and two transactions had been made : XXXX XXXX, XXXX XXXX CA for {$1300.00} And XXXX XXXX XXXX XXXX XXXX CA for {$2400.00}. I called the credit card and report the froud the have denied the claim three times.

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