BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: M&T BANK CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I met with the Vice President of M & T Bank at XXXX XX/XX/XXXX who is recommended by the Advisor of Maryland XXXX XXXX XXXX to get some business loans to start up my business. But I was told that I cant get the loan because my business had no sales and no income before. 
My business is a XXXX XXXX XXXX XXXX to solve the issues of XXXX XXXX XXXX XXXX XXXX which are granted patents in the USA, XXXX, XXXX and pending in XXXX, XXXX, XXXX and XXXX. 
I have also met the Director of The XXXX XXXX XXXX XXXX on XX/XX/XXXX after the XXXX evaluated my invention XXXX  and was told the XXXX will support me. 
It took many years and lots of money to develop and patent my business project and now is almost ready for manufacturing and marketing because I have developed worked prototypes successfully. 
But the Bank refused to give me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have banked with Citi for more than 25 years. In late XXXX of this year, I deposited a check I received for some consulting work. It appears that the check was fake. Even though I was a victim here, Citi froze all my funds, more than {$70000.00}. The bank has refused to allow me to close the account and has refused to allow me to withdraw my funds. I have made numerous efforts to get an explanation for why my funds were frozen, and I have made numerous efforts to get the bank to release my money. Citi has refused. Furthermore, Citi has refused to tell me why my accounts were frozen. As a result, I have suffered serious ongoing hardships. 

Please help 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 2022-06-06
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
With a zero balance ( paid off my account XX/XX/XXXX to the amount of {$3500.00} and a second payment of {$50.00} on XX/XX/XXXX to cover rest ) after paying off an initial promotion, I received a new balance transfer promotion of 0 % interest if paid in 9 months from Barclay bank ( XXXX visa ) in the amount of XXXX plus a fee of XXXX on XX/XX/XXXX. Due to the size of the payment " no payment due '' until XXXX of XXXX. This offer receipt shows up for the first time on my XXXX XXXX XXXX statement. 

I called to verify that my last payment would be due in XXXX to satisfy the debt ( that would be the XXXX month and billing cycle from the date of deposit ). They told me the promotional period ends XX/XX/XXXX. This is 8 months of a promotional period, not 9. 

I called 2 times to get the information I needed. The first person told me the terms ended XX/XX/XXXX ( also not correct ) so I'm glad I called back. The 2nd call, two agents later, kept going around in circles about how " I can see your point that it's only 8 months but that's the terms of the agreement for 9 months. '' This is not mathematically correct or appropriate. So now am I not only going to miss the XXXX month, forcing me to pay the interest in bulk, but the payments I would have made should they have been transparent, or rather non fraudulent up front, could have been bigger to account for the deficit due to their misleading advertising. I do see on my XXXX statement they allocate the expiration to XXXX, and that again is not a 9 month term. Look at a calendar. XX/XX/XXXX to XX/XX/XXXX is 8 months. Simple math. 

I have audio from the call of more than one agent acknowledging that it's clearly only 8 months from distribution and yet " those are the terms. '' Those were NOT the terms.

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 2022-09-19
Company: OneMain Finance Corporation
State: WI
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 Have a hard inquiry on my report from a company I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2021-08-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Reporting Agency did not COMPLY with 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 2022-06-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 2022-07-27
Company: LEXISNEXIS
State: AL
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 XXXX I sent XXXX A LETTER DISPUTING THE VALIDITY OF THE BANKRUCPTCY THEY ARE REPORTING ON MY CREDIT REPORT. THEY RESPONDED WITH A LETTER STATING THAT THEY " VERIFIED '' THIS ITEM THROUGH LWXIS NEXIS. I WENT DIRECTLY TO LEXIS NEXIS TO DISPUTE THE ITEM IN QUESTION AND LEXIS COULD NOT VERIFY THIS ITEM SO THEY DELETED IT FROM THEIR DATABASE. 

I THEN. WENT BACK TO XXXX ON XXXX AND SHOWED THEM THE DELETED BANKRUPTCY FROM XXXX XXXX INFORMING THEM THAT IF THEY COULD NOT REVEAL HOW THEY TRULY VERIFIED THIS ITEM THEN IT NEEDS TO BE DELETED ACCORDING TO THE FCRA. THEY HAVE ONCE AGAIN REFUSED TO DELETE THIS ITEM WHICH IS IMPLODING ON MY ABLITY TO PURCHASE A HOME AND CAUSING ME TO PAY THOUSANDS MORE IN INTEREST EVERY YEAR. 

THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: CA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 
Account Name : XXXX XXXX XXXX, Account Number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 9A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Experian, XXXX, and XXXX are report some or all of these accounts inaccurately. These inaccurate accounts are preventing me from obtaining a XXXX XXXX clearance, purchase a new vehicle so I can travel, credit cards, and the ability to obtain employment. Over XXXX credit disputes have been filed with Experian, XXXX, and XXXX in an effort to resolve this situation. 

XXXX XXXX XXXX Account Number : XXXX information being reported by Experian does not match the information being reported by XXXX and XXXX. No late payments are listed by XXXX or XXXX. Experian shows multiple late payments. The account was closed because XXXX XXXX purchased XXXX XXXX XXXX. We have not been late on mortgage payments.

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 2022-09-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out in XX/XX/2022 online to Huntington National Bank to inquire about PMI removal. I never received a response. I then called and was told that to begin the process I will need to get a certified appraiser to perform an appraisal, then mail it in and they would review my account. I hired an appraiser on XX/XX/2022 and had an appraisal done for {$450.00}. I then called back to inquire where specifically the appraisal should be sent and was given an address for the mortgage department. Again, this seemed normal process, the agent said ok mail in your appraisal and we will review your account. I received a call on XX/XX/XXXX, along with a letter in the mail, stating that I can only have PMI removed through an internal appraiser which is {$150.00}. I am now refusing to pay this because I shouldn't have to- I was advised incorrectly to order an outside appraisal which ultimately cost me more. I will not pay an additional {$150.00}. Huntington either should honor my certified appraisal or pay the {$150.00} charge. I also want PMI removed for any additional processing time this has caused on their part. 

I filed an internal complaint with Huntington Mortgage. The customer advocacy group then called back on XX/XX/XXXX saying that they will not cover the {$150.00} internal appraisal needed. This is predatory banking. I could not get a clear answer on how to get PMI removed and there is no clear process outlined on the website, which is what caused me to pay the external certified appraiser along with their incorrect guidance. My current appraised value is roughly XXXX XXXX more than what I paid for the home and the loan to current value is clearly high enough to remove PMI, but they are giving me the runaround. I should not have to pay additional money to hire their internal appraiser after they incorrectly told me and their website states nothing of this. If they ask for an internal appraisal now, they should cover the additional charge. Of course they have no incentive to remove PMI and there is no clearly outlined process for what a consumer should do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX Account ending in XXXX and XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX USAA Savings Bank XXXX XXXX XXXX XXXX Re : XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I have a {$6600.00} charge-off. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX have a 30 day late payment against me for XXXXDuring this time we were in a pandemic and arrangements were made.Account was listed as current now its showing 30days late.Can you please remove this entire account from credit reporting agencies due to inaccurate reporting.

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