BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: M&T BANK CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I asked M & T Bank to close my personal checking account. However, M & T Bank said I must physically visit a branch to close the account. This was, and still is, impractical for me because I moved to a state, California, which has no M & T branch locations. The closest branch is roughly XXXX miles away in West Virginia. Today is XX/XX/XXXX and for 476 days, I have been unable to close my account and withdraw the remaining {$750.00} balance.

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 2022-01-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Spoke with XXXX XXXX, Experian, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has 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 2019-05-02
Company: BTH Management
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I XXXX XXXX DIDNT EVEN APPLY FOR A LOAN SOMEONE ELSE DID AND THIS IS NOT MINE. I HAVE TRIED TO CONTACT THEM EVEN DID A CREDIT DISPUTE AND THEY HAVE NOT EVEN VERIFIED THE ACCOUNT OR SENT ME ANYTHING LIKE I REQUESTED FOR THEM TO DO. I DONT KNOW WHO DID IT BUT ITS NO MINE AND I WOULD LIKE IT TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY. 

THANKS 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: NJ
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:
I reviewed my Consumer Reports and noticed that I had 5 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 XXXX XXXX. I have never been late on payments for the accounts : 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 explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I mailed a check to a " XXXX XXXX ''. I bank with Chase. The check was cashed by " XXXX XXXX XXXX '' at XXXX XXXX XXXXXXXX. XXXX is at fault for not matching the payee to the back endorsement. Chase has been giving me the run around for 2 months. First, they gave me the wrong forms to fill out. They informed me several weeks later that they needed new forms. I filled out new forms with the bank manager and faxed them. Several weeks later they wrote back that they closed my case. The Bank manager called their fraud dept. again and this time they claim they couldn't read the form although the bank manager had no problem reading it. Filled out the form for the third time. Still, no return of my {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Bankruptcy Case Number : XXXXXXXX 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 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 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

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 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. i will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion Several times over the phone trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX Account ending in # XXXX. Dates contacted XX/XX/XXXX, XX/XX/XXXX, XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Titel 15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX  ACCOUNT IMMEDIATELY! As I am in the process of seeking legal action. This must stop!

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 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Bank of America had allowed my information to be obtained and used in California. The failed to give me my benefits in a timely manner during the pandemic. I was evicted when my power was disconnected during XX/XX/2020 because the froze my account for almost 5 months with no reason, or warning!! They are still sitting on my funds even after it had been confirmed my account was listed as an account take over. I have lost everything and everyone I love as a direct result of bank of Americas neglect! I have called and called. I have went into a bank of America branches where I was told they couldn't help me!! please help me get my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
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:
SOMEONE FRUD THIS ACCOUNT IN MY NAME .. # HELVEY AND ASSOCITONS XXXX XXXX 15 USC ..PRIVACY 1681 602 STATE THAT HAVE THE RIGHT TO PRIVACY ... ... 15 USC 1681 604 IT ALSO STATE A CONSUMEER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN STRUCTION ..... THIS ACCOUNT IS FRUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
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:
I am a victim of identity theft and I did not authorize the following inquiry : XXXX XXXX  XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Bayview bought my mortgage from XXXX XXXX who probably bought it from XXXX  XXXX, FHA, to a HAAMP agreement XXXX, and XXXX XXXX XXXX ( undisclosed servicer after multiple emails requesting who they're servicing for, finally informed me that the owner is XXXX XXXX and this is within days of their 4th postponed sheriff  sale XX/XX/XXXX. Also informed by XXXX XXXX, in writing that, XXXX XXXX does not need to report to credit bureau. Bayview listed " closed/ transferred '' They refused to honor my HAAMP from Bayview , no record of payments, so many fees that were accessed after sale, XXXX has multiple different responses. XXXX XXXX said my taxes are {$1700.00} behind, requested my haamp agreement from Bayview ( even though they refused to honor it prior with a lady that tried to squeeze {$27000.00} to keep the haamp, 6 % interest, {$500.00} more a month, pay my own taxes. My house was sold, regardless under Bayview, according to XXXX XXXX at XXXX XXXX XXXX, and then it would be sold to them at XXXX XXXX who stated thet often the deed/ note. I received paperwork today from XXXX   attorney, XXXX XXXX, trying to make me sign papers to cover their lack of any credit, fraudulent reporting, and inflated fees with no explanation, after sale, but sheriff sale for {$1700.00}. Sheriff department told me XXXX XXXX told then to serve me at my old address from 11 years ago, an apartment, that A TENANT, not landlord stated I moved out 6 months ago. XXXX is trying to cover the lost deed on my property and deceitfully cover a swapping festival of selling the loan to same company, different departments, that even XXXX County Courthouse recorder of deeds was shocked. No liens. Taxes paid. Bayview is fraudulent. XXXX XXXX  is fraudulent. XXXX XXXX XXXX are documented lying on behalf of XXXX, XXXX ( XXXX immediately before ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After repeated calls that went automatically to spam, I called back Kia/Hyundai finance at XXXX. I informed them that I have never owned a car, let alone a XXXX. I asked them to confirm that nothing was registered in my name. They confirmed this. I asked them to remove my number. They did this. Around 2 weeks later, they began calling me again. This debt is not in my name, associated with me in any way, is not part of identity theft or anything of the sort. They just won't stop calling 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 2022-01-22
Company: EQUIFAX, INC.
State: IN
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:
There was a dispute initiated with Equifax Information Service LLC reflecting identifying dispute confirmation number as XXXX. The dispute was initiated XX/XX/2021 and completed XX/XX/2021. I requested the dispute investigation results XX/XX/2021 and two additional times after that but they have failed to provide me with the results as they should have. Instead they sent me a copy of my credit report which is not what I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed for a dispute clam in XX/XX/XXXX for an item that I bought online form XXXX XXXX that was {$1900.00} but when I bought the item I never received the item at my doorsteps when I called the merchant that I bought the item from they told me I need to contact my bank and talk with them so I did call chase bank try to get my money back from them and the customer representative told me not to worry about it so I said OK within 12 to 24 hours they temporary credit my account back so couple months go bye in XX/XX/XXXX I Filed a clam for XXXX that my Chase debit card has been used without my permission so I called the bank and tell them what happened that there was a fraudulent charge on my debit card and I would like the charge to be taken off so I talk to one of the customer  representative and told me not worry about it you will be getting the temporary credit within 12 to 24 hours I said OK. what then a couple of days I try to log into my Chase banking on line I got a message that your account is restricted so I call chase the one XXXX I asked the customer representative what is going on with my account they said there has been fraudulent on your account and youre no longer able to bank with Chase forever in life and they said they will be mailing my funds to me in a cashiers check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent the following Accounts XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$52.00} Original creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XX/XX/XXXX {$440.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} Original creditor name XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a business and one of my staff resigned, he had a credit balance, when a check was sent to me, it was in his name, XXXX XXXX, I wrote to Bank of America and asked that a check be made out to me, they ignored my 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 non-monetary relief
Consumer complaint received 2018-04-22
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about my online account view noting the balance for the previous period was XXXX and the minimum payment due by XX/XX/XXXX was XXXX. The first agent advised there was no balance for the previous month, but if I wanted to pay {$27.00} I could. Confused, I questioned her logic in terms of making a payment on an account that had no balance. Mysteriously the line disconnected. 

I called back and requested a supervisor. After going through this a second time, he advised no payment was due for XX/XX/XXXX, but if I wanted to make a payment I could. 

Today, I receive a message from XXXX stating my payment is one day late. After calling a third time and waiting 10 minutes on hold, the gentleman came back to the line and stated the issue was related to a computer error ; however, my battery died and the call dropped. I called back later this evening and spoke with a supervisor named XXXX who stated my account had been transferred " another department. '' I pay this account in full every month. I do not deserve this type of treatment and I will end this relationship with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: AES/PHEAA
State: AK
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:
I am currently enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have verified that I am qualified for this program and have followed all steps with FedLoans as my servicer. I consolidated my loans to XXXX XXXX in XXXX for this program. I have been making payments since that time with exception of one year of granted forbearance during my fellowship. I have noticed very inaccurate information regarding my qualified payments for this loan program and called FedLoan Servicing on XX/XX/XXXX to request a recount of my payments. The representative told me that she noticed several payments were not counted and she would request a re-count. I have not heard back in regards to this requested information. I called the ombudsman on XX/XX/XXXX and spoke to XXXX employee # XXXX and he verified the re-count was requested but did not have any further information for me. 

It is now XX/XX/XXXX and I have still not heard back from FedLoans and do not have an accurate payment count. I have been making qualified payments and need to know when I can apply for loan forgiveness as the time is coming to do so soon. I am making major life decisions based on this loan forgiveness program. I have a husband and XXXX young  children and I have declined taking high paying for-profit jobs to continue working in non-profit positions for this loan payment program. I have about {$370000.00} in student loans and have been making high monthly payments on time to assure loan forgiveness. FedLoan must be held accountable for what they have promised and what they are responsible for. It is hard to trust a company who is ultimately responsible for my entire loan forgiveness when they can not even provide a timely and accurate payment count.

Company response to consumer: Closed with non-monetary relief