BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-09
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold off to M & T Bank for servicing and in XXXX XXXX I received a phone call saying my mortgage payment was delinquent. I explained to them my mortgage began in XX/XX/XXXX and it comes directly out of my checking account. M & T stated that my mortgage payment was {$50.00} too short. I explained to them to take it out of my checking account since my mortgage payment has always been set up as a direct withdrawal out of my checking account since XXXX. They said my property tax had gone up, so it was {$50.00} more ( per month/payment ). After a long discussion with someone in the Servicing Department, they advised that I need to sign a form to have the additional amount taken out each month, so I told them to send me the form and they agreed. Nothing was sent so I kept calling them and they would tell me they would send the form. This went on for months and they kept calling telling me my payment was delinquent. I have tried for months to get them to rectify this to no avail. Now they are telling me my mortgage is in default and threatening foreclosure. It is impossible to reach anyone in their corporate office and the only personnel I can reach are the mortgage servicing people who don't seem to get it. I have called seven ( 7 ) New York M & T Branches around XXXX NY and talked to them for help. Each one said they were immediately emailing the corporate office and would have someone call me ASAP. For 6 months NO ONE has called except the Mortgage Servicing people harassing me so I finally told them I would no longer speak to the mortgage servicing department due to their ineptness and that I was requesting a phone call from Corporate to resolve the issue. They refused and to this day I am now being threatened with foreclosure even though my mortgage payment has ALWAYS been taken directly out of my checking since XXXX. I am desperate. I can not get a resolve and they won't take the correct amount out of my checking each month and yet they claim it is my fault. PLEASE HELP! I feel like all they must do is to ignore fixing the problem and then one day just foreclose on my home and leave me homeless. This has become a nightmare.

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 2018-05-02
Company: JPMORGAN CHASE & CO.
State: MI
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:
Chase Auto loan from XX/XX/2011 was reported as last payment received on XX/XX/2011 for XXXX   and XXXX. XXXX is saying its XX/XX/2011 and will not be removed until after XX/XX/XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XX/XX/XXXX. This Chase account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Last year I sent a question to MOHELA about PSLF. They waited months, then messaged back to say something to the effect of, " It looks like we haven't answered your question. If you still need an answer, please resubmit it. '' That's totally unacceptable, but I'm even more frustrated now. 
They have alerts all over telling us to sign up for the REPAYE plan because it automatically transitions into the SAVE plan, so I submitted my application, and now I got a message telling me to log in to view a letter. So I log in, and it says my request to sign up for the REPAYE/SAVE plan was denied, because I need to upload documentation. But the problem is they didn't tell me what documentation to upload, they just said I need to contact them to find out. So I tried contacting them, and it turns out they aren't available outside of standard work hours on the west coast where I live ( Washington State ). 


I don't have a choice who services my loans if I want to qualify for PSLF. MOHELA has been assigned. But they are woefully ( I would argue, intentionally ) understaffed, and give you the runaround every single time you try to have even the most basic of questions answered. This has to improve. If you want people to make payments on loans, then stop making it so hard to make payments on loans. 


I'm submitting this to the CFPB because I don't know who else to turn to. I'm trapped into a relationship with this terrible company, and I have no recourse for when they choose to either A ) not answer my questions at all or B ) supply me with intentionally opaque information about what they need from me to proceed. 


Please do something about this. I have loans through the government. The government chose MOHELA. The government can hold MOHELA accountable. I can not hold them accountable. Please do something. I've wasted countless hours trying to work with them, and it's just not fair to anyone to have to put up with their evasive policies and practices. PLEASE HELP. I'm at my wit 's end, and I'm certain there are millions more out there in my exact situation. PLEASE HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CO
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 spoke with XXXX XXXX  and they stated to me I was never late on my mortgage and sent me a statement showing I was never late. But the XXXX XXXX XXXX is showing late payment even after sending the statement to 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
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the fair credit reporting act. I told the Experian, XXXX, and XXXX to reinvestigate however they said everything was complete and accurate but how is that possible if the last open date, date of last activity and much more is incorrect. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX  XXXX Has violated my rights.

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 explanation
Consumer complaint received 2018-05-02
Company: FACTUAL DATA CORP.
State: TX
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:
On XX/XX/XXXX I sent in a complaint to the XXXX on XXXX. On XX/XX/XXXX I received the message from XXXX  by phone that they have not removed the hard inquiry from Factual Data. The representative from XXXX said that Factual Data needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that Factual Data DID in fact notify XXXX to delete the hard inquiry from my credit report ... XXXX is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
RECENTLY, I LOOKEXXXX 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 FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) ACCURACY OF REPORT TO THE UNITED STATES CODE 15 USC WHEN A CONSUMER REPORTING AGENCY SERVICE CREATES A REPORT ON AN INDIVIDUAL, THEY ARE REQUIRED TO TAKE REASONABLE MEASURES TO ENSURE THE DATAIS ACCURATE AS FEASIBLE.

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 2022-05-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-04-07
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2020, Wednesday around XXXX I received a call about a new card I had a application at US Bank in ZIP code XXXX phone number XXXX. A Mr. XXXX with the XXXX XXXX XXXX. was rude and unprofessional and disrespectful towards me in his questioning me on a new XXXX XXXX application. He ask me for my college degrees to see if I was really a XXXX. This was nothing to do with my income at all. He first said I can email the things he needs, then stop then told me to go to the bank to have them email the paperwork to him. He had no corners about my health with the virus out there.

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 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly 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 explanation
Consumer complaint received 2020-06-25
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Progress Management Collection agency on XX/XX/XXXX and advised that I would like to pay off the debt that is listed on my credit report. The amount listed was {$180.00} and that once paid, the item would be removed from my credit report. The agent stated yes, they report every a Friday, but it will be removed, so thats the amount I paid. I then reached out to the agency to again because the item is still on my report just to be told That the item on my credit report has not been paid, but yet another item was paid which I have no knowledge of and the item on my report was for my Daughter born XX/XX/XXXX and thats the item I was requesting to pay. They completely lied in order to collect on a debt that I know nothing about and can still reach out to XXXX hospital to take care of. I was the item to be removed from my credit report because thats what I paid In full and agreed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 


- XXXX  XXXX XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX  Account Number - XXXX - XXXX XXXXXXXX XXXX  Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX Account 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 explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-06-29
Company: NEW CITY FUNDING CORP.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In my previous company about their bully of a collector they said they would stop contacting me by phone and they haven't! 

Attaching screen shot from today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 u.s.c. 1681. 
Account Name .. XXXX  Account Number.. XXXX Account Name... XXXX XXXX XXXX... Account number ... XXXX XXXX ... Account Name... XXXX XXXX XXXXXXXX Account number... XXXX Account Name Dept edXXXX.. Account Number... 
XXXX XXXX XXXX ... ... .. Account number.. XXXX .... Account Name... XXXXXXXX XXXX XXXX... 
Account Number XXXX ... Account name... XXXX XXXXXXXX XXXX .... Account number # XXXX ... Anncount Name... XXXX XXXX... Account number # XXXX .... Account Name XXXXXXXX XXXX  # XXXX ... Account Name .... XXXX XXXX ... Account Number # XXXX ... .. Account Name.. XXXX XXXX XXXX  ... Account Name... XXXXl XXXX ... Account Name XXXX XXXX XXXX XXXXXXXX ... Account name / XXXX XXXX XXXX 
15 u.s.c 1681 section 602 A. states i have the right to privacy..

15 u.s.c 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c 1681 C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a 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 explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2022-05-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back on XX/XX/2010 I deposited {$100000.00} into account # XXXX with XXXX XXXX XXXX on XX/XX/2010 I took a passbook loan against that account in the amount of {$30000.00} ( which they deposited {$40000.00} ) into Savings Account # XXXX. I never received a passbook for these funds. They Bank kept it as collateral. I never received any information with respect to the {$60000.00} that was left in account # XXXX, I thought all the money was kept in the same account. Over the years, XXXX XXXX merged into XXXX XXXX XXXXXXXX XXXX and then merged into M & T Bank. Recently I went to the bank with a question regarding my balance as it did not seem right and was working with them to try and find the {$60000.00}. I was told by a teller at the bank that on the same date as XX/XX/2010 there was an account opened for {$600.00} which I think was the {$60000.00} but was a typo on their part and that account was closed ( not by me ) I am now being told that I have to prove to the Bank that I did not take the money out- which I did not and therefore would have no proof of. I was told that their bank records go back 7 years and they have no record of this.

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