BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-25
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was offered a promotional credit of {$250.00} by M & T Bank for opening a new checking account in  XXXX ,    2017.  I believe I received this offer by direct mail, but I have since destroyed the solicitation assuming the credit would be granted in good faith.   After several conversations with M & T Bank I am confident they are aware of the promotion and it was not a third party scam.     I opened this account and met all criteria ( that I am aware of ) to receive the promotional credit. Conditions involved qualifying direct deposits within a certain period, etc.   I am also aware that the account will need to be open at least 180 days from setup date in order to avoid penalty if the promotional credit is given.     The account was opened  XXXX   XXXX ,   2017.
Qualifying direct deposits were made to meet offer criteria.
I phoned customer service after qualifyin  g direct deposit to inquire about timing of the promotional credit. I was told by an agent that the credit could take up to 90 da  ys ( 3 statement cycles ) to process.
After 90 days ( late  XX/XX/XXXX ) I once again called M & T to   inquire about the promotional credit. It was during this phone call I was told by the agent that because at time of account setup ( online ) I did not enter a corresponding promotional code that I would not be entitled to the promotional credit benefit.     I asked the phone agent to escalate this issue and he had stated that the issue could only be remedied at a bank branch.     I immediately traveled to a nearby branch where I was met by a service agent who confirmed my account, took my information and told me that she was unable to correct this issue, but could initiate a complaint.     I believe that M & T Bank could have easily ( at time of prior inquiry ) told me of the issue so I could take steps to remedy because I had specifically contacted them to inquire on status of the promotional credit.   Whether willingly or not, I believe M & T Bank is withholding these funds as promised in their promotional materials. At the very least, M & T has misrepresented this offer or have purposely made it difficult for consumers to receive this credit as advertised.

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
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
navient should have discussed other repayments plans like IBR with me when i was applying for forbearance. i had to learn about it from the internet. i could have been paying toward the 25 year plan while i was making way less money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Bread Financial Holdings, Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account Resolution Services, LLC has failed to abide by the Fair Credit Reporting Act and the Florida Consumer Collection Protection Act. I have never receive any communications prior to requesting a debt validation after finding out that they keep reporting an account on my Credit Report almost every month to keep it active and decreasing my score month after month. When I contacted them by certified Mail which was delivered on XX/XX/2022 at the address they had provided to the Credit Bureaus requesting information to validate the debt and for them to provided me a statement of such they refuse to provide such information and just send a brief letter attached with a balance for one account under supposedly my name and another of a minor. I decided to call them today XX/XX/2022 at XXXX XXXX  EST and spoke to someone name XXXX XXXX XXXX XXXX, I was courteous and explained to her I wanted information to validate and verify such debt as I have been in contact with the provider them claim and they assured me there is no pending debts or balances this person claimed they had mailed the information when in fact they did not as they only sent a single page letter and that supposedly they do not represent accounts of minors which is a lie according to what they sent, when I pointed this information to her she became hostile rude and hung up the phone on me. Per the federal and state law they had failed to validate such them and they must remove the collections from my credit report no later than XX/XX/2022 ( 30 days after they receive my letter ). Also the account numbers they sent do not match the account numbers reported on my credit report.

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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I am getting denied when I apply places and it says " unable to verify identity '', using information I know without a doubt is correct. When I try to log into Transunion, it says unable to verify security freeze. When I try to go to alerts it says it can not show anything at this time. When I requested a free annual credit report they said unable to verify identity. When I reset my password and logged in it won't let me perform any actions, such as initiate a dispute. 

It seems like something is severely wrong with my profile leaving me unable to access my credit report. Unfortunately there is no way to properly communicate or resolve this when they can't verify it.

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 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Confusing or misleading advertising about the credit card

Complaint:
Re : CapitalOne Credit Card Solicitations I have tried not once but many times to get CapitlaOne to quit sending me credit card offers and other advertising in the mail. I have NEVER used CapitalOne, will NEVER use CapitalOne and don't won't to be bothered with them, yet I get several pieces of advertising materials/solicitations in the mail almost weekly.

I WANT IT STOPPED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX   XXXX  fraudulently enrolled me. said that i might be eligible for scholarship when the rep knew it was for working students. I was rushed through the lending process when I should 've gotten financial aid. I was in default of the loan, so I had a lien on my taxes refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections is not from original creditor. I do not own National Credit System account # XXXX I never heard of National Credit System. I never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}

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 2018-02-15
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
American Express cancelled my card, and denied my request to be reinstated. I sent a few requests to have my credit limit increases and was denied also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am guessing that this account was sold to XXXX XXXX XXXX, XXXX under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On the XXXX I submitted a request for Asset Verification. 
I sent USAA blank form I needed by XX/XX/XXXX since I was going to move. No AVF no keys Since then : Did not fax as promised. Called said they lost it and resubmit Called. No one had any idea. ON rep said it did not exist, yet I had it in my hand Called. Rep said she found it and nothing was ever sent to me or manager at XXXX XXXX. 
While I was on phone. Was told the document was in my USAA email Guess what? Not there Called again. Resubmitted form again ( about 7 times by now ). They said they could not find it Was promised by agent yesterday ( XX/XX/XXXX ) that I would have it today since this is the first and need to get my keys for new apartment I am stuck here with an apartment full of boxes with no where to go. 
To make a long story short. They lied on several occasions, lost my documents many times, and are just total incompetent. Are they under new management or when they get you money the basic policy is XXXX. On top of it all they know I have XXXX. Not helpling with this XXXX Thank You XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: Experian Information Solutions 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:
Experian is reporting false information regarding my address and the year of my car loan which is causing me to have issues upon verifying with a creditor.

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 2022-05-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a Chase credit card in XX/XX/XXXX, for the benefit of a 6 month XXXX interest period for repayment. I used the electronic card for online shopping at Amazon, and never used the card for any other transactions outside of those Amazon purchases. I never received the card, and did not realize I did not receive it, until i was contacted by Chase on XX/XX/XXXX. 
I was contacted by Chase on XX/XX/XXXX when they noticed suspicious activity on my card. I received the following text message : " Chase Fraud : We declined {$93.00} with card ending XXXX at XXXX  XXXX XXXX Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. '' I replied NO and received a call shortly after. The representative told me they sent the text due to suspecting fraud. She told me the liquor store charge was declined, and a woman called Chase, pretending to be me, to try to get the transaction authorized. The representative told me the woman was able to answer some identifying questions but that it was all information that was available online. She stated she remained suspicious when the woman reported that my cell number on file was a landline. I checked my wallet and unopened mail and realized I never received the card. I informed the rep of this, and assured that I had never swiped the card, had only ever used it in my electronic Amazon XXXX, and had never authorized anyone to use the card. 
On around XX/XX/XXXX I received a letter with the results of my dispute. I misread the letter, thought it was resolved in my favor, and threw out the letter. 
On around XX/XX/XXXX I received my statement and realized the charges were not reversed. I contacted Chase and reopened my fraud investigation. When asked, the representative I spoke with informed me the claim was denied because the card was swiped. The representative acknowledged that this was not a good reason to deny a claim since I never received the card. The fraudulent charges total more than {$2000.00}. Charges were made in cities that I have not been at all over the past several years. They were made every day of the week, an hour or more from my home and two hours or more from my workplace. I informed the representative that it was impossible for me to be at the places the charges were made. 
On around this same date I filed a police report with my local PD to document the theft. On the same date, I froze my Chase card. 
On XX/XX/XXXX I logged in to my account to unfreeze my card and saw the full balance remained, and I had a letter in my inbox that the claim was again denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-04
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2700.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}, XXXX XXXX Balance : {$6600.00} , XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$420.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$950.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my credit report and i find two hard inquiries that were not authorized by me. I contact TransUnion and XXXX XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. Today i check my credit report and XXXX XXXX  add another inquiry to TransUnion report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, Transunion and XXXX XXXX  won't help me fix it. Please remove XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from my credit report.

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 2017-07-25
Company: Collection Bureau of America Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full. Since I questioned this account with the debt collector they have a totally new account number. I asked for the information to be sent to me multiple times and still have not received in information from the collection agency. I 've called in multiple times and their associates are rude and very obnoxious, when trying to get information to clear up the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a prelegal notice from Midland Credit Management that I have a debt of at XXXX XXXX XXXX. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. 
For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. 
Therefore, it is obvious that my identity is stolen and used here. 
In this circumstances, I would like to request your help to stop this harassment.

Company response to consumer: Closed with non-monetary relief