BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called again today and the phone team still says there is a computer error and they can not provide answers. All i wanted was my account balances. The savings account was allowing me to access it earlier in the app but now will not either. I mustered up enough energy bc of a physical XXXX that you all constantly exploit. I am in physical pain every minute i am on the phone due to a car crash. Your offices routinely place me on extremely long hold times citing computer errors since knowing this and my last complaint. This was after last weeks fiasco on the phone as well. 
Please respond in writing. Thank you. 
I called from phone : XXXX XXXX XXXX. I couldnt of been any nicer or more polite to mya. I called your company at phone : 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 explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit applied to account on XX/XX/21 before billing cycle payment due on XX/XX/21. Barclay 's charged {$28.00} late fee, plus they failed and refused to apply credit to account to reduce the total among due or refund the credit or REFUND directly to 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 explanation
Consumer complaint received 2022-02-18
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:
In XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused XXXX  XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX transitioned loans to XXXX for all my loans. Where I had paid half my principle, XXXX never reflected any payment balance and refused to acknowledge previous Loan payment history the dept of education could clearly see. XXXX also changed my payments to interest only without my approval. I confronted them through the dept of education ombudsman who advised to reorganize back through dept of ed, find a new lender or settle/work with XXXX. XXXX requested $ XXXX. They refused to negotiate or accept payments were made from XXXX XXXX or AES, nor did they ever prove I accepted interest only and refused to make changes to my loan. I found a XXXX party, XXXX XXXX, changed to XXXX, who made an agreement where I pay them to file my loan forgiveness for XXXX ( former XXXX and XXXX ) loans, put the loan into forebearance while being processed and deal with Navient. I have executed documents on XXXX. They took my money and never processed, so XXXX defaulted, knowing the document was being processed with dept of ed. PHEAA took the loan at full value, refused to accept payment history and added $ XXXX for processing fee, knowing full well the were negligent and demanded full payment and ruined my credit. I request PHEAA be investigated. They declared I owe them over $ 100k. They refused to accept payment history dept of ed and AES see in my loan records. I told them in writing and their collections call my family nonstop. I plan to renegotiate under the dept of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2022 I disputed XXXX XXXX XXXX as they are showing this account now to be open. Which it is a closed account and now my credit dropped XXXX points and also re aged this account. TransUnion came back as verified both times I have disputed this FCRA violation.

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 2022-08-12
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offer in the mail from US Bank regarding a sign up bonus for a business checking account in connection with a credit card that I already had with them. I signed up for the business checking account for my sole proprietorship on XX/XX/22. The bonus terms stated that {$500.00} of rewards points would be deposited into my credit card account after completing a few requirements for the checking account, including depositing {$5000.00} in new money into the account within 30 days of opening the account. I deposited {$5000.00} into the account from XXXX and completed all requirements for the bonus that month as well. US Bank is refusing to pay out the bonus even though I satisfied all of the requirements as they are claiming that I did not deposit {$5000.00} into the account. I have attached screenshots of the offer terms along with my account activity documenting the $ XXXX in new 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 non-monetary relief
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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 XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: AL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
a fraud alert and personal statement was placed on my credit file without my authorization.

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 2017-10-30
Company: Glasser and Glasser, PLC
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to XXXX my difficulties. In XX/XX/XXXX I  explained to XXXX that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, XXXX repossessed my vehicle on the XXXX. After a few months, XXXX contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the XXXX account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX and XXXX called, stating they had the XXXX account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for XXXX. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with XXXX had been dismissed and closed. This is when the payments stopped. I noticed XXXX on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows XXXX balance due $ XXXX. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. XXXX 's collection attorney 's have lied to me, forged my signature, and XXXX is a huge part of this. XXXX and XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has XXXX contacted me with an answer. I searched the Better Business Bureau and found similar issues with XXXX XXXX as well as XXXX and XXXX. I also searched your consumer search and found that XXXX was sued for discrimination against XXXX Americans, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing XXXX, XXXX and XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I learned from my identity theft protection service ( XXXX ), of a collections attempt on my credit report. I reviewed the collections attempt. The business responsible for the attempt was XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The amount of collections was for {$25.00}. I immediately called the business at XXXX. I learned this collections was from XX/XX/XXXX when my ex-wife took my child to XXXX XXXX XXXX ( XXXX ). I immediately paid the amount and contacted XXXX and learned my son was seen XX/XX/XXXX to XX/XX/XXXX and there was an outstanding balance with XXXX. I paid the entire balance of {$390.00}. I learned my ex-wife but me down as the guarantor for XXXX. I also learned from XXXX all of the billing information was directed towards my ex-wife 's residence and my address was not on any of the paperwork. I was only listed as the guarantor and my social security number was provided. I disputed the collections with XXXX. Within 1 business day, XXXX agreed with my complaint and removed the collections from my credit report. I further disputed the collection with Equifax. Within 3 business days, Equifax responded by saying " The results are we verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact XXXX XXXX XXXX '' My complaint to XXXX and Equifax was " Unaware ex-wife put my name down as the guarantor in regards to my child 's doctor visits. Bill has been paid in full. '' XXXX understood my complaint and quickly resolved the issue. Equifax is being difficult in this matter. I had no knowledge of these doctors visits. When I became aware of the collections, I immediately contact the business and paid the outstanding balance. I further contacted XXXX and paid the entire amount. My ex-wife using my information will be handled in a different forum. I pride myself on perfect credit and Equifax is being difficult and not understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied/opened account in XX/XX/2019 with American Express. I opened the account with the agreement that I spend {$2000.00} in the first three months of having the credit card, and I would receive XXXX XXXX points after meeting the {$2000.00} spending requirement. I met the spending criteria, and American Express is stating there is nothing on my account saying I get the promotion. I would have never applied for the card had the promotional offer not been offered. I feel a bait and switch was done, and I kept my end of the agreement, and American Express is conveniently not awarding agreed upon points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Movement Mortgage LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This has been going on since XX/XX/XXXX with movement mortgage and they have attacked my wife XXXX XXXX XXXX and not updating us on our loan or giving us the closing cost. When you call there corporate they are giving you the run around refuse to update you and pass you down to XXXX XXXX and he will not return your calls or emails and making threats. They are not being professional and already out XXXX dollars without a key to my home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from AT & T. It is causing my other coworkers to be bothered and causing defamation of my character.

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 2019-04-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter that I would have a tax shortage in XXXX. The lender indicated I could pay the shortage or have a new monthly payment amount. I returned the letter with the included slip paying the tax shortage to keep my mortgage payment about the same. What the slip said it would be. I include a photo of this document. The company XXXX XXXX decided to take my tax shortage payment and apply it to my principal. I have paid the amount indicated for my mortgage every month since XX/XX/XXXX. However since they applied this to my principal my monthly mortgage increased to cover the tax shortage. I continue to pay what it should be and they refuse to fix the problem they created by applying the tax shortage to the principle. So essentially according to them my payment is approximately {$400.00} short every month I have repeatedly called and explained this to customer service. Each time I call they say they recognize the problem and its being fixed meanwhile they keep dinging my credit score and do not fix there mistake. Managers keep telling me that my credit will be fixed once they fix the problem but they have yet to fix the problem. Each time I call a manager says they will get the problem fixed and return my phone call and they never do and I end up calling again a few days later and explaining the whole situation to several people in customer service before I get to another manager who then repeats the same process and never follows through with it. My credit score has called 120 points because of this mistake by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: SYNCHRONY FINANCIAL
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: Overcharged for something you did purchase with the card

Complaint:
This is for a XXXX credit card managed by synchrony lending. I made a {$1500.00} payment and did not see it show against my XXXX credit card balance. I inquired if they saw it on their end. From there they have added XXXX to my account with the reasoning I disputed a transaction and lost. At a minimum I would like to have {$1500.00} removed from my account. They are saying the two {$1500.00} payments are them crediting my account when I inquired about the payment not showing. Even if this was true I would still be owed {$1500.00}. Once I get the {$1500.00} I will move on to potentially disputing the payment I made that never showed on my account. Attached is a screenshot showing all {$1500.00} transactions for the history of my account. You can see there are two showing on XX/XX/XXXX. They are telling me there was only one on XX/XX/XXXX. I have messaged them many many times and called with no movement or attempt to resolve this. I am over my limit and being charged interest as well.

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