BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I transferred money from my M & T Bank checking account to my XXXX M & T Bank account for the amount of {$400.00} using XXXX. My daughter did receive the {$400.00}. Along with a woman named XXXX XXXX for the amount of {$740.00} {$740.00}. {$240.00}. {$740.00}. {$740.00}. {$740.00} all paid to the above mentioned person. Her phone number is XXXX XXXX XXXX {$1000.00} for merchandise that I did not purchase. 

I have received nothing but the runaround from my bank and anybody else I talk to about this. I thought my money was safe in M & T Bank

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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was told by XXXX that my personal info was part of their breech. On XX/XX/XXXX, I place a freeze ( online ) on all 3 services. At the end of the online process I had to pay {$10.00} to each credit reporting service. On XX/XX/XXXX, I went to purchase a new vehicle. I told the dealership I had a freeze on my credit. I had to phone TransUnion ( automated ) to put in my pen # to temporarily unfreeze my credit. At the end of the automated call I had to pay {$10.00} for my credit to be checked. When I placed the freeze on my credit I was not notified that I would have to pay every time my credit needed to be checked. 

On XX/XX/XXXX I called TransUnion and their representative told me the fees vary from state to state.

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: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXX- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, LP. Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report 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 non-monetary relief
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: SC
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 sent certified letters to Experion start date wasXX/XX/XXXX, then againXX/XX/XXXX, after I seen nothing was done or any response, they didnt even initiate consumer dispute on any inguiries that were done without my knowledge as was said in the letters I sent, I now am done with asking for Experion for help that they are supposed to give me by law, ..Inquiry dates start withXXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX ...XX/XX/XXXX XXXX  XXXX..XX/XX/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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. 

The inquiries in question-XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND 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 2020-04-25
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This statement pertains to what has been deemed as Fraud. I have never contracted services with MIDWEST RECOVERY SYSTEMS on behalf of XXXX XXXX. This account just recently appeared on my personal credit report with no address and no account number to investigate further. Upon completing an online search XXXX XXXX is an illegal offshore payday loan lender and I would like you all to be aware of this scam and to take action as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express decided to close the corporate credit card of our company without any reason. I have discussed this by phone, but nobody seems to be allowed to give an answer. I have asked to be communicated with somebody at management level who is able to give an answer, but you simply dont get one. We are clients for more than 10+ years, maybe even 15+. We have always paid our bills timely and completely. What are our rights as a consumer? It just feels so bad to be treated this way and that you do not receive a honest answer, it feels very unfair. We handle important provider payments through this credit card. Now we have to run to try to fix this and make sure our business will not be affected. I feel so badly treated and I consider it very important that awareness is created of how American Express truly operates. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The Way2Go  Card is a new way to receive a Nevada Unemployment benefits. On XX/XX/XXXX I called XXXX to speak with a Go Program Customer Service representative about an ATM withdrawal ( in-network ) fee. Based on " XXXX XXXX  Prepaid Mastercard Card Terms of Use '' ( version XXXX ) which was sent with a card : " There is no fee for in-network ATM withdrawals conducted at XXXX and XXXX ATM locations. In-network locations can be found at XXXX XXXX XXXX and XXXX. When using your card at an ATM, the maximum amount that can be withdrawn from your Card account per calendar day is {$500.00}. ". 
On XX/XX/XXXX I tried to withdraw money at locations found on moneypass.com/atm-locator.html which was : 1. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( card was not accepted ) ; 2. XXXX at XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ) ; 3. XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ). 

When you receive an unemployment benefits every penny is important and you expect to have easy access to full amount received to your account, but a " List of all fees for Nevada Way2Go Card Prepaid Mastercard '' is misleading customers. You would think a fee for an ATM withdrawal ( in-network ) is {$0.00}, but you are wrong. You will be charged an additional fee. This card is for an unemployment benefits and we want an easy and free access to our money. Looks like the only way to get a full amount of benefits for free is at teller-assisted cash withdrawals Mastercard Member Bank or Credit Union teller window.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My ex bought us a home I picked out and gave it to me. I am sole owner on deed for years. I paid mortgage for years and it was CURRENT UNTIL XXXX REFUSED PATMENT My ex and I broke up a di bought home and kept payments current. My ex took bankruptcy. Even though mortgage was current THE MONEY SOURCE NOW REFUSED TO CREDIT MY PAYMENTS. XXXX disappeared. 

XXXX began foreclosure in violation of mortgage as it was current. XXXX gave forbearance but continued to refuse payments. I begged to pay. Then XXXX demanded lump sum in violation of CARESACT and XXXX signed XXXX that were not honored. I have recordings of abuse and dozens of abusive.calls to my attorney as well. I sent in proof of successor in interest weeks ago and XXXX in violation. Again of your regs IGNORES ME REFUSES TO STOP SALE WAITING GO STEAL MY HOME!!!!!!!! 

HELP MENOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted Transunion on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, Due to covid and the Cares Act and my unemployment, we made an agreement with our mortgage company to get on the forebearance program where we will pay the next payments at the end of our mortgage. XXXX XXXX XXXX. reported us late and NOT paying our mortgage to our credit reports which made both our scores go way down and being delinquint. The mortgage co is XXXX XXXX. Phone # is XXXX. I have documents to back this up. Also my husbands XXXX card saw this information and stopped him from using his card, which he needs and pays off in a timely manner. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received my annual Tax and Interest statement from my mortgage company Mr Cooper XXXX XXXX XXXX XXXX. XXXX TX. XXXX Loan # XXXX I made every payment the entire year more than {$9000.00} dollars refund of over payment of interest was {$0.00} so I asked where did all the payments go. Till this day even after I spoke to them they have not given me and answer. Mr Cooper Mortgage Company said they would resolve this by XX/XX/XXXX, this has not happen. This is my second attempt in filing an complaint with this office and have not gotten an response ether. 
Are there any consequences when mortgage company break the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. The inquiries in question-XXXX, XXXX, AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was only supposed to pay {$400.00}. I was charged {$400.00} TWICE. Two {$400.00} charged for Speedy were marked as posted today, XX/XX/XXXX, dated yesterday, XX/XX/XXXX. 

I called Speedy yesterday, XX/XX/XXXX, when the charges were still " pending. '' They were very unhelpful and said they would need a 30 day official bank statement showing the charges before they would refund one of them. The official 30 day statement doesn't come to me until after XXXX and that is an unacceptable amount of time to be out of {$400.00}. I called again today and emailed 30 days worth of activity, with the duplicate payments, and was again told I would need the official, because the print out didn't have my full name. 

I called my bank, XXXX XXXX, multiple times as well, and, though they were pretty unhelpful, after trying many times and asking for a supervisor, I finally got someone who was very helpful and says he is going to get one of those charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing this letter to try understanding the 30 late records which were also recorded against me on my credit file. In XX/XX/2020 Kia Motors Finance implemented a deferred payment program for customers that were dealing with the effect of COVID-19 pandemic which offered customers three months of deferred payments. I took advantage of the program offered, in XXXX and XX/XX/2020 the deferred payment program was approved ; however, in XXXX I contacted Kia Motors Finance to request a deferred payment for XX/XX/2020 I was misled and misinformed by Kia Motors finance representatives twice. 
The representative claimed to had processed the request and told me to call back within 72 hours to confirm the request had been approved, and I did, I called three days later and was told by another representative that the request had been approved however on XX/XX/XXXX I contacted by a representative regarding XX/XX/2020 payment, upon informing the rep that a request for a deferred payment was requested and approved I was informed that it had not been processed or approved. The representative stated she would attempt to help me out by processing and another request for a deferred payment and told me not to make any payments at the time until the request was processed and approved, by the XXXX of XXXX I was informed that the request was denied. 
By XX/XX/XXXX I was three months behind on my Kia care payments which were due to no fault of mine but due to the actions and misleading information given by Kia representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
This has been an on going issue with Experian. I sent letters to XXXX and Experian asking for the accounts listed to be investigated per the FCRA. I sent complaint and Experian responded with the attached letter. 

According to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 or who may have knowledge concerning any such items of information. 

They stated my account my account were verified but how is that possible if they did not perform perform a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. Lastly, according to the FCRA 15 USC 1681 everything has to be 100 % accurate.

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 2017-10-19
Company: Navient Solutions, LLC.
State: GA
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:
This is the third complaint I have filed against Navient. I have found documentation concerning my loan consolidation in XXXX. I am being denied XXXX forgiveness and XXXX Loan forgiveness due to Education services Act of XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX and was educated on different information placed in my student file. 
There was a hardship clause placed in my student file. I filed bankruptcy in XXXX XXXX. 
According to XXXX XXXX who purchased/repurchased my loans in XXXX/XXXX/XXXX there was no debts charged off. The young lady @ XXXX XXXX Student Loan 's office stated some of my loans were XXXX. I had forgotten but XXXX/XXXX/XXXX I found a note where I had spoken to customer service XXXX stated that XXXX XXXX XXXX XXXX XXXX had paid my student loan number 1 and 2 in the amount of {$25.00} dollars in XXXX XXXX. My balance due was {$24000.00}. Please help me understand that today XXXX my student loan balance is over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Diversified Adjustment Service, Inc.
State: TX
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 have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence onXX/XX/2019 and XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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:
XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since COVID I have been on credit card payment deferment. Equifax, XXXX  and XXXX have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.

Company response to consumer: Closed with explanation