BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-26
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a senior citizen that did a loan modification during XX/XX/2019 with M & T Bank. I believe I was a victim of an unfair, deceptive act and practice of M & T banks loan servicing department. 
I was told by M & T that I would not receive billing statements right away, but that I should continue to make payments on my mortgage loan, and at some point they would provide me with mortgage billing statements containing the amount due and due date. 
Unfortunately M & T FAILED TO PROVIDE ME WITH BILLING STATEMENTS for the XXXX, XXXX, nor XXXX billing periods so my ONLY OPTION TO MAKE MY MORTGAGE PAYMENT was to call their customer service number and make a payment by phone. They waived the {$17.00} pay by phone fee for the XXXX and XXXX payments. 
However, when I hadnt received my XXXX billing statement by XX/XX/2019 I contacted their service department asking where my billing statement was for the payment due XX/XX/2019. Their customer service representative snidely told me I have plenty of time to mail my payment to them. How can I mail them a payment if they havent provided me with the XXXX billing statement? 
I called them back the following Monday XX/XX/XXXX and asked when I should expect my billing statement for the XX/XX/XXXX payment? They told me at first that my billing statement should have been sent and then informed me that they had not sent it per their records for some reason. XX/XX/XXXX comes which is 2 days before my payment would be late so I call them to tell them that I have not received my billing statement for the payment due XX/XX/XXXX. They tell me that I can make a phone payment, but that it will cost me {$17.00}. I asked them to waive it and they refused so I I had no choice but to make the payment by phone and pay the {$17.00}. 
I am requesting that they remedy the situation for me and that you look into their servicing practices for other seniors as there may be a pattern of deceptive and/or unethical practices. 
Please contact me if you have questions or if anything was unclear. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: MD
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 financed my vehicle with XXXX XXXX in XX/XX/XXXX and was to make my first payment XXXX first XXXX. I made this payment then my due date changed to the 15th of every month. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XXXX which was not due yet. I called XXXX and they told me they did not report false information and I need to handle it with Experian myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX XXXX again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.

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 2023-10-11
Company: Experian Information Solutions 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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX I received a letter from Hunter Warfield claiming that I owed a lease payment from XXXX XXXX XXXX XXXX for a total amount of {$1100.00}. With a principal of {$940.00} and interest of {$210.00} from the year of XXXX when I was residing in XXXX XXXX XXXX. Stating on the letter, if the debt is not paid they will file a lawsuit against me. The principal balance of {$940.00} which is also higher than my original lease amount. Furthermore, all lease payments were made, I have copies from XXXX of the certified checks, and the statements of my bank account showing the withdrawal amount, as well as the emails confirming payment from mresmgmt.com as will be provided in my supporting documents. I have performed my due diligence and looked up Hunter Warfield on the XXXX it's noted that this business has very shady business practices, with a 1 Star Rating on XXXX reaching XXXX complaints about this very business model. Let it not go unnoticed, this might also be in collaboration with XXXX XXXX XXXX XXXX. 

Hunter Warfield does not also provide information on how to dispute this claim, but merely state if I pay now, they will give me 50 % off my total bill. I intend to write Hunter Warfield directly as well as present this claim to the Judge Advocate General Officer, XXXX and FCRA. 

As a servicemember, I would like to also recommend an investigation into this companies business practices to wit seem fraudulent. They have also violated Florida and Federal Law, not stating action of which I should take if I believe I do not owe money, stating if the debt is not paid a lawsuit will be filed against me, and demanding amounts that are not contractually legal.

In the attached documents you will find checking history for the last two months of residency, along with the certified checks, a copy of the ORIGINAL lease, and a copy of the Notice of Intent to Vacate, including date matching with the pro-rated monthly lease payment. Lastly, the letter from Hunter Warfield and associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX I opened a personal account with Bank of America, and in XXXX I opened a Checking and Saving Account for my Small business, mid-year in XXXX Bank of America froze my Business and Personal Account, and after trying to get some answers I finally spoke with an agent in customer service that my account had been frozen for unusual activity and could not elaborate any more than that, I spoke with a branch manager at the local BOA and he informed me that it could be resolved in a few weeks but to give it 45 days, but it could take up to 2 years for BOA to complete an investigation. My small business had just received a XXXX  Loan for over XXXX I asked if that was the issue and they could not tell me. During the COVID-19 years, it was very difficult for any small business to survive and we were no different, I had employees to pay and other bills, so you can imagine when we received those funds I informed my employees that we had secured funds to back pay them, then this happened with BOA and it was heartbreaking to have to tell my employees that they were not going to get paid and that they would have to wait until I found other resources. You can imagine how frustrating this was to me, both my personal and Business accounts were frozen by Bank of America, I asked about un-freezing my personal account so I would pay my employees out of pocket, but they basically said NO. after repeatedly trying to get answers and getting nowhere, I just accepted it for what it was, between both accounts there was over XXXX I have continued to call or visit the local branch a couple of times through the past years and was provided with no information, I believe my accounts were not just frozen they were closed as I tried to log into my accounts a few months back and the system returned no account found. 
I was told it would take up to 2 years to release my accounts, well it's been 2 and a half years now since I last called again to try to get some updates the agent informed me that no investigation has been started, I really want to know why my funds are still frozen and why no ones has reached out to update me in the past few years. 

Best XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-26
Company: Credit Bureau of Jamestown, 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:
Called collection agency to remove false information from my credit report XX/XX/XXXX XX/XX/XXXX XXXX Proof of payment never in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Chime Financial Inc
State: NH
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I contacted Chime via XXXX to request remove highest balance amount of {$1800.00} on XX/XX/2023 i have no access to acct i never ordered card i should have a right to have that removed! Not only i dont have a chime card i have not used it in over 1 year. to give me a high credit balance but not give me the access to it, unfair please remove high balance amount. {$1800.00} In all fairness

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ok so in XXXX my house burnt down XXXX XXXX county oregon wildfires, then had to move, bank, made a few errors by sending my card with pin to wrong address muilple time stuff / money was stolen like 10 thousand out of account made police report, showed bank was not even in that city, and was denied refund

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 2021-08-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about. 
Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Penn Credit Corporation
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: Account information incorrect

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed them XXXX on a previous address I did not live in since XX/XX/XXXX of XXXX. I paid all my bills once we left and never was aware of an unpaid bill until I received an alert on XXXX XXXX. I then received the letter. I responded to the letter and mentioned why did they report it to my credit reports then send out a letter and not let me take of it after I researched if I owed it or not and if I owed it I would pay it. They reported me without giving me noticed or 30 days to resolve it. After speaking with them the next day I called to resolve as I could not find anything that far back that I paid it so I told them if they send a letter stating they would delete from all 3 credit bureaus I would pay it. They agreed and sent me the letter then I paid it on the XXXX of XX/XX/XXXX. I have attached proof. I have tried to dispute but they came back Verified and not changes????? But, if they did they would see the letter I sent from them and payment? Please remove from all credit reports. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.

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 2020-10-05
Company: The Receivable Management Services LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son received a collections letter from The ( RMS ) Receivable Management Services, LLC on XX/XX/XXXX stating there was an overpayment of $ XXXXon his prescription drug plan back on ( service date ) XX/XX/XXXX, and he would have to pay it. He tried calling the number listed to ask what the complaint was and who it was through. He didn't get any answers that made sense. The name of mine and my husbands insurance carrier was listed in the letter - Mailhandlers - XXXX XXXX ( which was son is no longer on ). Due to XXXX he has been on XXXX XXXX insurance for quite some time now. 
I immediately called our insurance carrier ( since that is what was listed in the letter ). They agreed that yes, he was no longer on our ins and that they had never claimed a non payment for anything like this and had never sent anything into collections. They said since it was a prescription, Maybe XXXX had submitted the complaint. We did a three way call over to XXXX ( which handles all of our prescriptions ) and they also concurred there was no dispute and they hadn't sent him to collections either. After getting all this info I called the company that sent the letter where I was informed that they basically have no information at all to give me, just that a debt is owed. I told  the woman I spoke with ( XXXX ) that I had called all the parties involved and they all agreed that there was no debt and they had never sent anything in his name to collections. She stated that she  would mark the account as " disputed '' and that " maybe she could just " get the debt thrown out '' and someone would call me back within the next week. This did not sound right to me. My son ( who has a " host of mental issues '' was all freaked out about this hurting his credit and was ready to call and just pay the {$200.00} dollars. He doesn't even have any credit as of yet, so I'd hate to see the first thing on his credit report be a bogus collection from a shady collections 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 explanation
Consumer complaint received 2023-11-22
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXXXXXX  I was notified that one of my three direct loans were moved to LEVEL payment plan. The other two loans were correctly moved to SAVE plan. All loans on REPAYE were supposed to go to SAVE and it appeared correct up until XXXX. Unfortunately now the payment on Level is higher than it should be and one of my three loans will be paid off in the next year. If the SAVE repayment plan eligibility after XX/XX/XXXXXXXX  goes through as planned with making payments for 10 years I will have all of my loans forgiven but less will be forgiven if the loan stays on LEVEL plan. I contacted Mohela through secure messaging on XX/XX/XXXXXXXX  but have not received a response and no change was made. My auto payment went through earlier this week and was higher than it should have been due to Mohela 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car. 

My GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence. 

Since I have not been paying these post-car-return " bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!! 

The above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase. 

I have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page. 

The Customer Service Agents I talk to one the phone seem powerless to do anything and " we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all. 

After more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly " overdue '' bills. 

I need GM Financial to close my account and take steps to fix my credit score urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
In accordance with the Fair Credit Reporting act XXXX  accounts In accordance with the Fair Credit Reporting act XXXX accounts, 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 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 2020-10-05
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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