BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My company XXXX XXXX XXXX XXXX in XXXX, MD has a customer who banks with M & T Bank. We entered into a payment arrangement with the customer whereby she authorizes us to prepare a check from her account and deposit it to our account at XXXX XXXX. To be clear my complaint is not with XXXX XXXX  but with M & T Bank. 
We prepared the check for the month of XXXX as we always have with the proper account number. The check was returned by M & T bank to our account with XXXX XXXX  with the notation that the Bank ( M & T ) was unable to locate the account. I contacted the customer and she assured me that the account number had not changed. We were charged {$12.00} by XXXX XXXX  as a result of the negligence of M & T Bank. We then prepared a new check on the same account and the check was paid. M & T bank needs to reimburse my company the {$12.00}, I went to the local branch of M & T and they were of no help. I received a call from the manager today. XXXX XXXX. When I explained the situation to her. she said they would need to charge her customer for the negligence of the bank. I said that is not right. She proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a Loan modification. I have been going back and forth for months. They bank asked me for updated bank statements weeks ago which was sent on XX/XX/31. Today they advised that they want business bank statements. This is the first time they asked for business bank statements which I do not have and I told them this verbally. Now they are stating it is within 37 days of my sale date and they will not review my file. This is beyond unfair the way these servicing companies treat customers in default. They find ways around reviewing files with the 37 day rule. They request documents over and over again and once they have them they decide to add in an additional document that was never asked for in the past. If they needed business bank statements they could have asked months ago for it. Instead they waited until the file was finally complete and then they ask for the additional documents for the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity.

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover Card issued me a card in XX/XX/XXXX. In XX/XX/XXXX it stopped working. They needed a IRS form submitted to verify my tax return. That was completed XX/XX/XXXX through XXXX Verification services. I was told 7-14 days to get it back. Then after that date came and went I was told 30 days. That date came and went. I was then told " we are having issues getting the forms back due to staffing ''. Okay so what next. Wait another 30 days. I have completed that. I called in today to be told we have " no idea when we will get this back and unfortunately without it we cant release your card for charging privileges until we do ''. They refuse to take a certified copy of the IRS transcript, they refuse to help in anyway. I find it ironic I can get a copy instantly on IRS website. My mortgage company got it in 72 hours when I recently bought a home. Yet my credit card is " frozen '' and they refuse to help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

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 2022-11-30
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a laptop computer from Best Buy in XX/XX/2021 and it supposed to be delivered by XX/XX/2021. While I was at work I got text saying your package is delivered but I called roommate a the time and checked out and said there is no package. I contacted Best Buy support multiple times and they said they going to reship in first call after XXXX weeks I called again and they said we will refund however it so long and I went back to visit my parents. I got an email saying you have report to police. I filed dispute with Citi bank but I didnt got anything back. I did apply XXXX claim and they sent me a copy of signature just a dash that I didnt signed on it because I was working at the time.

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 2022-09-21
Company: EQUIFAX, 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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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:
I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report one hundred percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is one hundred percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX XXXX XXXX in accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than 30 days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.

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 2022-09-21
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
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: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute many objects on my XXXX and equifax report. XXXX is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with XXXX it is getting worse. I am not sure if the companies is reporting things correctly or how XXXX is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but XXXX, it is rapidly declining. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi- I was charged a payoff quote request fee of {$30.00} on XX/XX/23 1/ I think this was deceptive as I didnt know there was a fee to request a payoff quote 2/ The website payment fee schedule on the website says the fee should be 'up to {$20.00} ' 3/ I've had multiple mortgages in my lifetime and do not remember being charged any fee for a payoff quote

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 2016-05-02
Company: AES/PHEAA
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Unexpected/Other fees

Complaint:
I was contacted by fedloan and told they could help me get monthly payments of XXXX dollars paying back my student loans then once i signed up i was told they could not help unless i payed them XXXX dollars and i did not act fast then the Gov could start garnishment of my wages.I startd paying XXXX dollars first payment then i went online and noticed they did nothing after reciving the first payment then i called to cancel thier services and was tol i could not do so if i did i was threaten with collectons atthat point and emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Westlake Services, LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. There was a car loan that was taken out with westlake financial. The company listed on my credit report has 2 different names Westlake service inc and westlake portfolio M. The balance is XXXX and the date the loan started was XX/XX/2020. I informed the company that account does not belong to me and that I did not take out the loan nor did I have the car in my possession.

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 2022-06-07
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 n 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 us 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 .This 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 n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-10-18
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Other financial service
Sub-product: Credit repair
Issue: Unexpected/Other fees

Complaint:
I was trying to purchase a home, however my credit score was low and after receiving advertising from Lexington law firm about credit repair, I went ahead in the hopes that they can assist me in getting negative information off my credit report. After realizing that this company is not who they claimed to be, I requested that my account to be closed. I have made several requests stemming back from XXXX of XXXX until as recent as XXXX/XXXX/XXXX asking that this account be closed, however Lexington law firm continues to ignore my request and continue s to withdraw funds from my account with out my authorization. After realizing that Lexington law firm has not honored my wishes I am left with no other options but to seek assistance from your agency in obtaining a refund and getting these folks to close this account. I truly value your assistance in this matter. 

Cordially XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX. XXXX XXXX date of birth XX/XX/XXXX social ends XXXX XXXXMy complain.i always pay money I use on my credit card on time, I make sure every week I pay money have used. yesterday XX/XX/XXXX at XXXX the credit bruel put me in collections/charges and drop my score points, and update was saying XX/XX/XXXX when we are still in XX/XX/XXXX At XXXX I need some explanation they tell me why. I tried took to customer care they said they don't not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This happened between XXXX through XXXX Wells Fargo charged me around {$500.00} in fees by withholding the deposits not informing me that the funds wouldn't be available. And also their ATMs cut two or three checks in half that were returned and I've had other check cashing issues I finally just closed my 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 2022-06-28
Company: Southwest Recovery Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.

Company response to consumer: Closed with explanation