BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: M&T BANK CORPORATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday, XX/XX/2022, I tried to access my People 's United account, which was to transition to M & T Bank over the weekend. I could not gain access. I decided to wait until Tuesday, after the three-day holiday weekend, to try. On Tuesday, XX/XX/XXXX, I did gain access to my account, now with M & T Bank, but the one account -- a guardianship account into which my son 's SSDI payment is deposited -- did not appear on the drop-down menu. This made it impossible for me to transfer his SSDI payment to the account from which all his bills are paid. I tried XXXX times before noon on XX/XX/XXXX to reach the bank, but only got a three-second message saying that the bank 's system was overwhelmed and they were unable to help me at this time. The phone then disconnected. 

When I tried again closer to noon, I received a different message from M & T asking for my 10-digit phone number so the bank could reach me in four hours -- the promised wait time. Close to XXXX XXXX  ( more than nine hours later ) I received a call from a telemarketing firm hired to call promised callbacks and apologize. That was it. Just an apology and a phone number to call in the morning. 

First thing Wednesday ( XX/XX/XXXX ) morning, I phoned and got the original three-second message and a disconnect. I tried two more times with the same result. At XXXX XXXX, XX/XX/XXXX I got a different message and was on hold for more than 30 minutes before I had to go to a meeting and hung up. 

I left a message, too, on the " Message '' option on M & T Bank 's webpage for my account on XX/XX/XXXX. As of XX/XX/2022, I have had no response. Finally, my husband went to our local bank branch on Thursday, XX/XX/XXXX, and made the transfer manually.

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just got a copy of my credit report and noticed a collection account from  Deville Management  reporting to the credit bureau  XXXX . The account on the credit report is  XXXX . I called them at the telephone number listed on the report at  XXXX  ; they told me they gave the account to another agency to try and collect.   A representative gave me a telephone number, I called the 1st number (  XXXX  ) its an apartment complex, I calle d Deville Management  a  2nd  time they gave me another number  XXXX , they said they do not have any account for me, I calle d Deville a   3rd  time they gave me another number  XXXX  I called them and they do not have the account. I called Deville a  3rd  time and asked them what is going on, they can not give me an answer. They told me it i  XXXX   XXXX   XXXX   XXXX   XXXX  account, but I have not had a   XXXX    XXXX   XXXX  account in over 10 years, I would like this account removed from my credit bureau because apparently these companies purchase debts and do not have correct information. This is not my account, I do not remember having a   XXXX    XXXX   XXXX  credit card..

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 2018-06-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Double payments, only authorized for once a month, taken at different days for different amounts causing account to be in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Upgrade, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an upgrade loan. Every one of my payments has been made on-time through XX/XX/2022. When I went to check on the payoff date the account said delinquent. I also noticed it was marked on my credit report. I was furious. I have emailed the company multiple times with their response being they don't answer inquires through email. I then tried to go make a payment and I am unable to submit a payment. I then tried calling and have been on hold for hours only to be disconnected. 
This is terrible business practice. I believe they are a unscrupulous company and intending for their customers to NEVER payoff their loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX I had deposited a check into my chase bank account the funds had went on hold and when they were released in XXXX of XXXX I went to use my debit card and was having issues I then went into a branch where I found out my account was restricted since then Ive been trying to get chase bank to release my funds its now XX/XX/XXXX and I want to now close my account which has become a hassle because they refuse to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX 2017, I received a letter from Chase bank that my business checking account will be closed at the end of XXXX. No reason was given, and I called the number and they were unable to give me any information. They recommended I go into the branch where I opened it, which I also did, and still there was no information on the reason or any way to appeal this decision. I use the account for my XXXX XXXX, and I have never overdrafted the account in the 9 years I 've had the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AZ
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 been addressing Equifax of a breach since before the Data Breach. Chief Judge XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia is overseeing these lawsuits. These lawsuits are known as In re : Equifax Inc. Customer Data Security Breach Litigation, Case No. 1:17-md-2800-TWT. 

Was finalized. 

Because I have personally been effected by it. Which can be proven through the link provided https : //www.equifaxbreachsettlement.com/ Now, there is a settlement pending for compensation HOWEVER EQUIFAX continues to Report Misinformation, as I have submitted MANY direct disputes with EQUIFAX TO THE CDPB PERSONALLY regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the month of XX/XX/2022 around the beginning of XXXX JP Morgan Chase sent me a notice in the mail that they would be ending my banking relationship with them on XX/XX/2022 however until then I would be able to use and have access to my account. On XX/XX/2022 a client deposited a check into my business banking account with no Morgan chase for {$130000.00} which was placed on a two day hold by the bank so XX/XX/2022 th funds shouldve been available however on XX/XX/XXXX then bank then comes back and say we would like to do an extended hold for an additional 7 days so XX/XX/XXXX the funds would be available. On XX/XX/XXXX th funds were made available in my account and I was able to resume my business with my client in the process of me having access to my funds the bank allowed me to gain access to my funds once I started to handle my business the bank then comes back around XXXX est time on XX/XX/XXXX and said no we are restricting your account no reason just because we can so you can access your funds! This is the 2nd time they have done this to me! I need my money my business have bills, I have family I have bills I cant do nothing to feed my children or myself if the bank just keeps taking from me! This isnt fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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 Account Name : 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 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Credit Karma, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Credit karma pre approved and said I had very good approval odds for a loan up to XXXX dollars with XXXX XXXX, but when I talked to XXXX XXXX  I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: WI
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:
There was a collection account of  XXXX  reported by collection company by the name of receivables performance on behalf of  XXXX   XXXX  to all  XXXX  credit bureaus,  XXXX   &    XXXX   removed the collection account, because I did n't owe it and it was n't validated by the collection agency, for that reason. Experian refused to remove it after I sent a letter as I did with to the other  XXXX  credit bureaus explaining I did not owe it and they needed to validate it, Experian told me to go back to the collection company to have them remove it, after several calls to the college agency, it has not been removed. And call after call to Experian still refusing to remove 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 explanation
Consumer complaint received 2017-06-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
<P/><P/>
  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
<P/>
I demand the following account be properly verified or removed immediately.
<P/>
NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my 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 2022-09-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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:
This complaint is for multiple violations of the FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ) ( 1 ) for failure to respond and delete inaccurate information within 30 days. I have XXXX ( XXXX ) open CFPB COMPLAINTS about TransUnion continued violation of the FCRA. Each time they respond to the CFPB that they are investigating the account, HOWEVER THAT WAS A FALSE STATEMENT. ENCLOSED IN MY ATTACHMENTS IS PROOF THAT TRANSUNION CONTINUES TO VIOLATE THE FCRA. I HAVE ALSO ENCLOSED ( 1 PROOF TRANSUNION NEVER CONDUCTED AN INVESTIGATION AS REQUIRED BY THE FCRA. 2 ) TRANSUNION CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT. 3 ) I HAVE ASO ENCLOSED PROOF FROM THE COURT IN SUPPORT THEREOF. THE DISPUTED ACCOUNT IS A PUBLIC RECORD : XXXX BANKRUPTCY/ DOCKET NUMBER 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 2017-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   is reporting inaccurate information on my credit report and I am requesting the " original signed contracts '' for the loans that   XXXX   XXXX   is reporting on my credit report. If   XXXX   XXXX   can not provide that information, please remove all negative reportings from my credit report. I sent a certified letter to   XXXX   XXXX   in regards to this issue but have yet to receive a response.
<P/><P/>
  XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , PA   XXXX   This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found an item on the report that is inaccurate. The account in question is listed below. Please send me copies of the documents ( " Original Signed Documents '' ) that you have in your files as of this date that you used to verify the accuracy of the account listed below.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting to the Credit Bureaus. Please dont respond to my request by saying that the account is accurate and have been verified. Send me copies ( " Original Signed Documents '' ) that you have in your files that were used to verify the reported item. If you do not have any documentation in your files to verify the accuracy of this disputed account then please remove any negative reportings from my credit report immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By reporting this inaccurate and unverified item on my credit report and you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, Unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account listed below within 30 days of receipt of this letter then you must remove this account from my credit report.
<P/>
I demand the following account be properly verified or removed immediately.
<P/>
NameofAccount : Date Reported : ProvidePhysicalProofofVerification :   XXXX   XXXX    {$46000.00}   XXXX   XXXX  , 2011 Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Account status incorrect

Complaint:
I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

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 2020-10-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a timely payment to American Express on XX/XX/2020 in the amount of {$75.00} XXXX more than required ) as my usual monthly payment on their credit card. American Express took {$150.00} from my XXXX  XXXX XXXX account. The first person I spoke to at American Express said they did not take two payments. XXXX  XXXX XXXX provided me with two ACH numbers, each one for {$75.00} sent by American Express on XX/XX/2020. I called AE again to begin an investigation and provided them with the two ACH numbers used to withdraw my funds. I was told it would take 6 to 8 weeks. Then they called me back and said it would take 8 to 10 days. They have been unjustly enriched and my bank account has been reduced. At this time, I have no idea what AE intends to do to correct their error. Please provide me any assistance you are able to give.

Company response to consumer: Closed with explanation