BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I signed up for an M & T My Choice Premium Checking account promotion for holding a {$100000.00} average statement balance in the months of XXXX and XXXX to receive {$350.00} on XX/XX/XXXX and have yet to receive the {$350.00}. I reached out two times and called the support line numerous times. 

I finally got an answer from an agent that said that I was not eligible for the bonus because it was not transferrable, however, nowhere in the terms did it state that it was non-transferrable. Also, they claim that the promotion was expired, however, the promo expired on XX/XX/2022, per my record and I had applied ( and been approved ) on XX/XX/2022. 

XXXX attachment on this file shows the " current offer '' which is to open by XX/XX/XXXX and maintain the balance in XXXX and XXXX for a payout on XX/XX/XXXX. My offer was open by end of XXXX, maintain in XXXX and XXXX, with a payout on XX/XX/XXXX. 

The second attachment shows that I fulfilled the {$10000.00} balance prior to the end of XXXX. I can supply XXXX and XXXX statements of me maintaining the balance if necessary. 

My account number : XXXX Name : 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 monetary relief
Consumer complaint received 2021-10-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident XXXX XXXX and after I received all of my medical bills including my medical bills that was charged to me for my insurance company to handle/pay for me and I have my paper trail of that in my files on my car insurance app so I dont understand why this place is trying to add this on my report with that has already been handled by my insurance company already this 2year line that has been affecting my credit and I am LIVID about it because this bs has BEEN handled not this bs isnt doing nothing be affecting the XXXX  out of my credit. My hospital and ambulance bill has BEEN paid by my insurance company and it shows and when I look this up its not real XXXX? What is that?

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 2023-04-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
BAYVIEW LOAN SERVICING, LOAN # XXXX. 
I WAS PAYING {$74000.00} AT THE TIME YOU MODIFIED MY LOAN TO PAY {$65000.00} SO KEEPING MY INTEREST RATE THE SAME WITH TERM AND CONDITION THE SAME AS PER YOUR LETTER DATED XX/XX/XXXX. MY LAST PAYMENT OF {$650.00} WAS MADE LAST XXXXXXXX XXXX XXXXXXXX AND ALL OF A SUDDEN YOU PUSHED WITHOUT INFORMING ME ABOUT TRANSFERRING MY LOAN TO GET YOUR OWN SERVICING COMPANY, COMMUNITY LOAN SERVICING TO DEAL WITH MY LOAN. I AM REQUESTING THAT MY LOAN STAYS WITH YOU. YOU PUT ME THROUGH THIS GOVERNMENT PROGRAM BECAUSE I WAS AFFECTED BY XXXX XXXX, OFFERING ME THAT THE UNPAID MONTHLY PAYMENTS WERE GOING TO THE END OF THE LOAN LIFE AND THAT EVERYTHING ELSE WAS GOING TO REMAIN THE SAME. WHY ARE YOU CAUSING ME SO MUCH HEADACES. MY PAYOFF AT THE TIME OF YOUR LETTER WAS {$150000.00} AND IT IS AT THIS TIME {$180000.00} ACCORDING TO THE LAST LOAN SERVICING COMPANY. WHAT YOU ARE DOING WITH MY LOAN IS WRONG OR THE GOVERNMENT PROGRAM IS JUST A SET UP FOR THE AMERICAN PEOPLE TO LOSE THEIR AMERICAN DREAM, THEIR HOUSES. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX HAVE BEEN ENTERNTAINING ME FOR A LONG TIME, TELLING ME THAT THEY'RE PROCESSING MY LOAN AND INSTED OF DOING WHAT THEY SAID THEY WERE DOING THEY HAVE GOT MY LOAN INVOLVES WITH SO MANY LOAN PROCESSING COMPANIES WITHOUT TELLING ME THAT THEY WERE TRANSFERRING MY LOAN TO SIX LOAN SERVICING COMPANIES : COMMUNITY LOAN SERVICING, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BAYVIEW LOAN SERVICING ARE RESPONSIBLE OF MY LOAN. YOU MODIFIED MY LOAN AS PER YOU LETTER AND YOU NEED TO CLEAR MY LOAN ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX wells fargo contacted my cosigner on the last day of my forbearance being active and started threatening her that if she did not make a payment that the loan would go into collection. They made her feel threatened and spoke to her in a to make her feel very uncomfortable and threatened. They knew two weeks ago I was going to reactivate the forbearance I called in the middle of  XXXX to extend it and they reccommended that I wait to the end of the forbearance to make sure i get the optimal amount of time. They have constantly changed up information they require they needed for paymant adjustments as well. Switching up the documents and just making it extremely difficult to setup a payment that I can afford even after providing both paystubs that I make from work and the social security income amount of my cosigner. This is getting out of hand I have told them multiple times that I am willing to  make payments that are within my budget. I do not know what else I can do I need help with 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the several time I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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

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 2022-08-18
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-02
Company: EQUIFAX, INC.
State: OK
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AZ
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 Experian the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$420.00} 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

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 2022-04-05
Company: Experian Information Solutions Inc.
State: RI
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:
In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.

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 2017-08-01
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have a collection account listed on my credit reports by a debt collection agency, Central Financial Control who is not licensed to collect in the state of Florida and therefore I am disputing this collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: OR
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:
EXPERIAN CREDIT BUREAU. 
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to Section 605A of the 15 U.S Code 1681C-1, I am entitled to a fair and accurate credit report. However, after reviewing my credit report, I have identified the following errors : Account name XXXX XXXX XXXX Account number XXXX Recent balance {$390.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$390.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$210.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$490.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$490.00} written off. 
{$490.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$22.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$22.00} written off. 
{$12.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$450.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$450.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$660.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$1100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account {$1100.00} past due as of XX/XX/XXXX. 

These errors are negatively impacting my credit score and ability to obtain credit on fair terms. I request that you investigate these inaccuracies and correct them promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with a free copy of my credit report. Additionally, I request that you provide me with a written explanation of the actions you have taken to investigate and correct these errors. 

Please note that under Section 611 of the FCRA, you have 30 days from receipt of this dispute letter to investigate and respond to my dispute. If you are unable to complete the investigation within 30 days, please inform me of the delay and provide an estimated timeline for completion. 

Furthermore, under Section 605A of the FCRA, I request that you notify all other credit reporting agencies of my dispute and provide them with a copy of this letter. 

Thank you for your attention to this matter. 

Sincerely yours, 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 2021-06-06
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX XXXX, was on an interview hosted by XXXX XXXX and he was caught in a lie on national television saying that he offered customers and/or waived customers overdraft fees ( by the customers request ) in XXXX during the national pandemic, since Chase got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal XXXX or XXXX per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the XXXX interview and the lady said they only did it if you called in during XXXX about it. I told her did call in a few times during XXXX and no one waived all my OD fees. She then only offered me a credit of like XXXX {$34.00} fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Chase receive and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to hear the CEO of this company taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: RI
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:
In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the XXXX seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : 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 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to Bank of America ( originator of supposed debt ). I provided Bank of America with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from XXXX listened. I have never held an account with Bank of America. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing 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