BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These Inquiries I did not authorize. Please delete. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Auto Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Finance XXXX/XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX This account is not mines, don't know how this was opened. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$960.00} This account balance is wrong. Both accounts have been paid on time and not late. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$210.00} XXXX  XXXX Last reported XX/XX/XXXX {$200.00} This account below is not mines. I never had this account. 

XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$1000.00}

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 explanation
Consumer complaint received 2022-09-09
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
M & T bank aquired Peoples United bank where I hold several accounts. My access was denied from XXXX through XX/XX/2022 for the merger to take place. Since then I have not been able to access my checking account for online banking. I have attempted to call the bank and have not been able to get through. I have sat on the phone for hours. I also wrote to them and went into a branch. They have not replied to my online message and the branch manager said they can't do anything to help. They suggested that I keep calling and be patient. Meanwhile I can't pay my bills. M & T should not be allowed to function as a chartered 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 explanation
Consumer complaint received 2016-09-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My complaint surrounds the now know predatory practices of XXXX XXXX XXXX. My duration of school was from XXXX - XXXX. I sought out XXXX for the XXXX XXXX and XXXX program. While I was fresh out of XXXX XXXX, they made sales pitches to me stating federal/private loans would guarantee my future. I would be placed with a well paying job right out of school and my loans would only help my future by improving my credit lines. From the application paper work to the application for federal/private aid through student loans, this was all facilitated through a rubber stamp type action, much like we saw on home mortgages. I fought every step of the way to gain an education which I thought I had paid for and ultimately left me without work and the ability to repay my loans. As the schools have no closed and previous lawsuit, much like the CFPB in Case No. XXXX are the exact situations I faced. There was no truth in lending and I have n't been able to obtain assistance from Navient, my loan servicer. I would appreciate the assistance and guidance to have these loans discharged, both federal and private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
transfered money to XXXX bank for a car purchase the purchase was fraud i cancelled the transfer the next morning i tried to cancel same day but bank closed but the stop was in i have emails it took almost 1 week for someone to let me know a representative from the bank called me and sent email to bank trying to contact me saying he has my money and tell my bank to contact him to get my money back i only received XXXX XXXX dollars out of my XXXX dollars .i tried to contact the investigator from santander bank XXXX XXXX XXXX XXXX and she says she can not contact XXXX from XXXX bankXXXX XXXX XXXX to resolve this matter my case number is XXXX i really need some help to resolve this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: AR
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:
In XX/XX/2019, I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report, I notice a numerous of things that were not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: General Motors Financial Company, Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2016, XXXX 2016 and XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I was going through personal medical problems that could have been the cause of this but I thought I made every effort to make my payments on time in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: General Motors Financial Company, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My wife and I have a joint loan with GM Financial for the purchase of our XXXX XXXX. I believe we got the loan XX/XX/XXXX. My wife, XXXX XXXX, filed for bankruptcy and it was discharged XX/XX/XXXX. GM Financial will not let me speak with them about my account because of this and more importantly, they are not reflecting my timely payments that I have made for a year now. I am trying to refinance the vehicle and am getting turned down because GM Financial refuses to have my payments reflected on my credit report. I believe they are unlawfully doing this. Can you please help me to get GM Financial to reflect my payments on my credit report? Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account Name : XXXX, XXXX Account Number : XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX .... 

Account Name : XXXX Bank Account Number : XXXX .... 

According to the FCRA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to 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 non-monetary relief
Consumer complaint received 2015-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I am victim of IF theft since XXXX 2012 and in banked with Bank of America. Everything was okay till I decided to change my bank and go with XXXX due to fee rate increase implementation was wrong as per my terms so I asked them to close my account they closed my checking but said we can close your saving in was like why and they said you owe XXXX dollars on which in was very scared and went a head did thr police report, got FTC affidavit and affidavit of Identity theft and filed in from of a notary public. Then I submitted that to BOA but even in told them I am a IDTheft victim thry had sold my a count without resolving my deputes and giving me my XXXX back they have violated my rights and I got XXXX class per 5 days from FTC XXXX. I sent them all explanation with proof and thry concluded that in bear no responsibility to that XXXX dollars and sent the case back to bank of america but it has been 4 years I have been asking them to take me off the XXXX and now finally I am going to sue them with the insurance I bought of XXXX dollars with all XXXX bureaus. I won the case and they still did n't remove that from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: DFC Global Corp.
State: FL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Hello, I filed a complaint against Money Mart for a fraudulent inquiry on my credit report. Money Mart replied stating I came into their organization on XXXX XXXX, 2016. They indicated I applied and did not receive a loan. I am asking the organization to pull their video on that date and to provide a copy of my license in which they should have if I came in to apply. I am also asking company to provide the phone number on my credit report and match against their application because they should have seen a fraud alert on my credit report in which they have the credit inquiry listed on and the phone should have been called and verification implemented. I have never been to this organization, nor did I know of this organization existed until viewing the inquiry on my credit report. I have never been to Money Mart and have no clue where this place is. Again, I am asking for the removal of this fraudulent inquiry as I never applied for anything with this organization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my loan with country wide bank of America took it over everything was fine until I feel on some hard times last year. There collections department called and I was able to set up a repayment plan to get caught up but then even while I was making all my payments on the time table they set up for me every few days they would call me and tell me my home was going into foreclosure and I side I 'm making all my payments on time that they had set up. They then told me that until I made the last payment they had the right to call me any time they wanted. I got everything caught up last month I made my payment early this month I am a little tight but will have it payed before any late fees go on it which is how I paid it for years and they never called or complained about it now they have there collections department calling me way before the grace period is up I still have 11 days in the grace period. I filed a complaint at the bank when the issue with the harassment during the repayment and got no results. I have always paid extra on my loan and did even on the repayment plan and every month since I do not think I need to be harassed before I am out side the grace period.

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 2020-04-01
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had contacted American Adjustment Bureau several times to no avail. I then call XXXX  and they call American Adjustment stating the bill was paid as established through the contract between XXXX , XXXX and XXXX Hospital. They have received documentation from both XXXX Hospital and XXXX showing the bill was paid in accordance within XXXX guidelines. I received a phone call admitting they were wrong but still have not removed the delinquent account from my credit report I think there should be an investigation on their conduct. They could tell early on this was a mistake by XXXX Hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX 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 XXXX XXXX over 719XXXX  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 2017-03-21
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient services both my Federal and private student loans. On XX/XX/2017, I wrote a check in the correct payoff amount for my smallest private ( consolidated ) student loan, using the directions on their website. I included a letter instructing them exactly which loan I was paying off. Navient cashed my check and did n't post the payment. I called them and the representative told me to get a copy of my bank statement and upload it to their website. I uploaded my bank statement showing where they cashed my check and also uploaded another copy of the letter with my instructions on which loan to pay off. They posted the payment, but they did not pay off my loan. They spread my payment out over all of my Federal loans, instead of following my instructions. I called them again on XX/XX/2017, spoke to a representative named XXXX, and explained to him that my payment was not applied correctly. He told me that he would put in a request to have the payment adjusted and it would take one week. Today is XX/XX/2017 and the payment mistake has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: FL
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 submitted several disputes over the years with Equifax, XXXX, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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 initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through Experian and XXXX to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both Experian and XXXX on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with Experian and XXXX with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.

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