BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to the company back in XXXX about removal of the incorrect information on my credit report. They refused to do so I requested the payment information from the account. I was told I had to verify my email by email early XXXX from the company, so I did the information listed was incorrect. They later in the year sent me a letter from a lawyer to contact him even after they were notified the information was incorrect from the initial notice. At the time they were being sued for targeting lowering class citizens and charging interest rates that were above the regulated state requirement. I was also in that category of targeted people. I was waiting the opportunity to go to court. I later received a call from a lawyer saying they could represent me in a lawsuit I knew nothing about I asked them what they were referring to because I was not aware of being sued. She informed me to call my local courts and I did they told me that a summons would be brought to me and it was filed by the company on XX/XX/XXXX. I waited to hear back from the company lawyer after leaving several voicemails and no response. I waited for the company to resolve the issue and then I received a letter from the court stating the case was dismissed XX/XX/XXXX. I tried to get the company to remove the wrong information from me and my co-signer report but they have still not done it. I then received a lean release document from them on XX/XX/XXXX. It is now XX/XX/XXXX and it is still on our reports. I would like them removed immediately and any inquiries associated with the 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 2023-06-29
Company: Experian Information Solutions Inc.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}

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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: FL
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX : # 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-10
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
If I could speak to somebody I can go over my statements with them but it's been over XXXX in the past 2 months from m & t Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/XXXX ( COVID ) wife had employment closed and we could not afford to continue rental. Advised property XXXX XXXX XXXX, who instructed us to fill out XXXX waiver form and early termination of lease would be okay and all fees and rent due would be waived. Completed form and returned to property manager. Moved out and asked for walk-through, and advised " not to worry about it. '' In XXXX began getting calls and correspondence from collection agencies and/or property management company regarding back owed monies ( early lease termination and cleaning ) and threatening legal action. Disputed all contact with copy of XXXXXXXX XXXX exactly what we were asked to do. Latest company, Columbia Debt Recovery XXXX XXXX, sent an email on or about XX/XX/XXXX, attempting to collect alleged debt. I sent dispute letter sent via email and 1st Class US Mail on XX/XX/XXXX to XXXX at address provided ( XXXX XXXX XXXX, XXXX, WA, XXXX and XXXX ). Notwithstanding, repeatedly receive calls from XXXX from " XXXX from Genesis. '' Last call received and message left on today XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-28
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Macys occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in Macys they also say it is odd that it is just XXXX  30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Had an insurance claim for my XXXX XXXX RV, I took it to camper world in Idaho XXXX, because the waistline was leaking come to find out it wasn't the waistline, it was the hose connected to my tub they need a replacement the hose cost {$15.00}, two screws in the seal, XXXX XXXX charged me {$850.00} and didn't fix anything, so I found this dispute with Wells Fargo, returned the money, but then denied the claim, they in the closing my account because it was overdraft like by XXXX and something dollars, which I know I should have never lost a claim

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 2023-12-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to urgently file a formal complaint against BMO due to the sudden closure of my checking account ( Account Number : XXXX ), which was opened with the promise of a {$600.00} sign-up bonus. 

Background Information : On XX/XX/2023, I opened a checking account with BMO with the understanding that I would receive a {$600.00} sign-up bonus. Regrettably, my account was closed without any prior notice, causing significant confusion and delay in my funding activities. I suspect that the closure may be related to an attempt by my husband to send a Direct Deposit ( DD ) to my account. 

Importance of Checking Account : I would like to emphasize that my checking account is of utmost importance to me, serving as a vital component of my financial affairs. The unexpected closure has not only disrupted my financial planning but has also caused confusion and delay in receiving crucial funds. 

Sign-Up Bonus and Fraud Concerns : Given the sudden closure of my account and the lack of a clear explanation, I am increasingly concerned about the legitimacy of the promised {$600.00} sign-up bonus. This situation raises serious questions about potential fraudulent practices by BMO. 

Attempts to Resolve : Despite multiple attempts, I have been unable to obtain a satisfactory explanation from BMO regarding the account closure. I have attached copies of my communication attempts, including emails and phone call records, for your review. 
Contact Information : You can reach me at the provided contact information for any further communication related to this complaint. 

I appreciate your swift attention to this matter and trust that the Consumer Financial Protection Bureau will play a crucial role in resolving this issue promptly. 

Thank you for your urgent assistance.

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 2023-05-26
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX XXXX XX/XX/XXXX Address address XXXX XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX Mohela XX/XX/XXXX Loan # XXXX Loan # XXXX XXXX XXXX XXXX  requesting refund for loan paid off to XXXX XXXX XXXXx My name is XXXX XXXX , I became aware of the Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX in the summer of XXXX. At that point I had paid off the lesser loan with the XXXX It was somewhere around {$2000.00}. 

I have filed w/ the Dept of edu ( XXXX XXXX to repayment ) in XXXX of XXXX, At that point, one of the XXXX XXXX XXXX loans had been paid off in the amount of XXXX This was a XXXX Loan. 
In addition, and in addition I was approved under PSLF finally in XXXX of XXXX According to Mohela , and the PSLF department I hit the 120 day count in XXXX XXXX XXXX 

However according to that department, I would not receive a refund for the paid of XXXX XXXX XXXX loan, because it was paid in full in XXXX.- I also as to date have not had my credit bureau corrected with XXXX, XXXX or XXXX in accordance with the settlement. 
I have called XXXX, MOHELA, XXXX XXXX, and everyone I can think of to get this straightened out. 

Per the XXXX XXXX XXXXXXXX Settlement, any funds paid to these loans that existed would be refunded, So, therefore even though the loans I had in total were forgiven under the PSLF program, the date that those met the standard was XX/XX/XXXX. Any funds toward XXXX XXXX XXXXXXXX paid prior to that should be refunded. 
Here is an excerpt from that letter. 
provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). 

I recently checked my credit reports, which still show derogatory reporting in XXXX another condition of this settlement. 

I have contacted XXXX, Mohela, XXXX XXXX to repayment with no resolution. Please advise what if any steps need to be taken to receive this refund. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Complaint : Negligent action by Bank of America and possibly XXXX XXXXXXXX XXXX in handling the fraudulent act by the partyXXXX XXXXXXXX to whom the check was made out to causing us a loss of {$1800.00} Dear Sir : We were defrauded by XXXX XXXX, who was hired by us for some paint job . A check # XXXX for {$1800.00} from Bank of America ( BOA ) checking account ending with XXXX was issued to him on XX/XX/ in the evening after XXXX XXXX 

He cashed the check same evening using a mobile deposit using XXXX XXXX account without an endorsement. Next morning on XX/XX/ he went in person to BOA branch to attempt to cash the check again. Although, BOA teller did not cash the check, the bank should have known that the check # XXXX was already cashed and hence the bank should not have returned the original check back to XXXX XXXX. 

XXXX XXXX returned our original check back to us and demanded cash instead, as the Bank would not cash our check for him. We contacted the BOA branch office, ( when XXXX XXXX was present in the bank ) to inquire as to why our check was not being honored, we were not provided satisfactory answers. That left us no alternative but withdraw the funds ourselves and give him cash. 

The bank should have aware that the check was already cashed through mobile deposit as per its posting seen on monthly statement. BOA failed to let us know the cause of not cashing our check. 

We were shocked to see that the check was cashed when we got our monthly statement on XXXX  We promptly called the fraud line of BOA and lodged a complaint with check fraud department. Complaint # XXXX. We also lodged a complaint with BOA branch in XXXX California. 

Reviewing the images of the check on our monthly statement clearly shows that the check was not endorsed ; it was submitted as a mobile deposit at XXXX XXXX bank on XX/XX/ and it was posted by BOA on XXXX 

We feel the both Bank of America and XXXX XXXX banks were negligent in their operation. 

Inquiring with the BOA on XXXX, we were told that they have received all the necessary documents from us and inquiry is in progress. 

I believe it is systemic issue that someone can cash a check through mobile deposit in the evening and then go to the bank in person next day and try to cash the check again without the bank not catching it. 


Please look into the matter and see if we could be made whole on our unwarranted loss. 

Sd/- XXXX XXXX Filed Online.

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 2023-09-05
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is against EQUIFAX. Equifax reduced my credit score by XXXX XXXX XXXX points between XX/XX/2023 and XX/XX/2023 citing that it was because I closed 2 credit card accounts with XXXX XXXX XXXX as well opening a new line of credit with XXXXXXXX XXXX  for home repairs. Please keep in mind that I was in good standing with this creditor and paying more than the minimum payment. I paid both credit card balances in full and closed the accounts because of the exorbitant fees and interest. The new line of credit with XXXXXXXX XXXX was opened in XX/XX/2023 did not become due until XXXX prior to the work being completed XX/XX/XXXX. So I paid the minimum payment to remain in good status, but to make sure I was not paying for services I had not received. It would seem as though all of my good paying history with XXXX XXXX for several or more years was erased all because I paid the balance off in total, with no pass due payments ever. I know that Equifax was previously cited for incorrectly reporting ratings/scores either by sheer ignorance or manual manipulation. Please investigate. I have tried to digest the explanation they have given but I can't because I have been so committed to rebuilding my credit after being sick, unable to work which left me financially devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had to close my account because in OVER two weeks I did not get a replacement card. 

CITIBANK also still refuses to help me with a SCAM from XXXX XXXX related to XXXX and a recurring charge that is illegal. 

The bank is fighting me over a less than {$200.00} charge instead of, pursuant to our contract, supporting me in my dispute with a despicable scam of a company they take that fraudster 's side. Terrible customer service, terrible bank. I request a formal complaitn.

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 2023-08-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a loan modification agreement with XXXX XXXXXXXX XXXX became permanent following a trial period of 3 months. An escrow analysis in the loan modification agreement set the escrow portion of the payment was set at {$680.00} and the principal and interest payment at {$1500.00} making the total monthly payment to be {$2200.00}. ( See attachment 1 Loan Modification Agreement ). 

When Mr. Copper took over the servicing rights, the escrow portion of the payment was set at {$1000.00} resulting into a total monthly payment of {$2600.00}. ( See Attachment XXXX XXXX XXXX XXXX XXXX XXXX IRS Form XXXX ). No escrow analysis was performed. The {$370.00} difference between the loan modification required monthly payment and the payment set by Mr. Cooper accumulated over a period of 42 months and that amount is included in the alleged delinquent amount Mr. Cooper is demanding to avoid foreclosure. 

Secondly, my account was not credited for the XX/XX/XXXX payment and that amount, which I have already paid, is included in the alleged delinquent amount. Mr. Cooper sent out a Notice of Assignment, Sale or Transfer of Servicing Rights and instructed me to send the XX/XX/XXXX payment to XXXX XXXX  XXXX. Mr. Cooper knew that the check was received and cashed, however, my account was not credited. ( See Attachment XXXX XX/XX/XXXX Cancelled Check and Attachment 5 Notice of Assignment, Sale or Transfer of Servicing Rights ). 

Mr. Cooper did not issue annual escrow estimate statements and monthly mortgage statements between XX/XX/XXXX and XX/XX/XXXX. Mr. Cooper arbitrarily set escrow payment amounts and those amounts are included in the alleged delinquent amount. I did not waive my rights to receive annual escrow and monthly mortgage statements. 

Mr. Cooper erroneously coded my account as being in active bankruptcy from XX/XX/XXXX until XX/XX/XXXX and made its servicing decisions as though I was in bankruptcy. ( See attachment 6 - Mr. Coopers default letter and attachment 7 account audit report ) The XX/XX/XXXX mortgage statement shows that {$6900.00} was added to the amount due without a valid legal explanation. ( See attachment XXXX ). 

Mr. Cooper has received a monthly mortgage payment from XX/XX/XXXX up to XX/XX/XXXX. Mr. Cooper is not cashing the mortgage checks and instead late fees and inspection charges are being added to my loan. Mr. Cooper has failed to fulfill its obligations and has not deposited money in the escrow impounds account. Escrow advances have been added to the alleged delinquent amount.

Company response to consumer: Closed with explanation