BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: M&T BANK CORPORATION
State: NC
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 purchased my first home in XXXX of XXXX. 3 weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ). 
I contacted XXXX  and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given. 
I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, M & T bank took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at M & T and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic.

I would really appreciate it if M & T mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).

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 2021-10-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
Deposited a check from my grandmother for {$5000.00} on XX/XX/21 and it has the check on a hold. Meanwhile the same day they took the funds out of her account and have fully verified the check. Spoke with the bank this morning XX/XX/21 and they still said I have to wait till XX/XX/21 to receive the funds. Not fair how they can remove the funds and hold them while giving me the excuse they are waiting for it to clear.

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 2021-08-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Never received any bill for XXXX or XX/XX/2019 company has zero website zero mobile app they had my info mixed with other company was also notified of intent to restructure as vessel was only acquired under the assumption it would be converted to auto transmission Also advised it would be listed as auto loan it is improperly reflecting as a secured personal loan they have ignored all requests for restructuring and dismiss all attempts for two years to correct to ensure i have the right unit they have shown zero care Also unit has multiple recalls

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 2021-08-23
Company: Grain Technology, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A couple months ago the account popped up on my credit report. I disputed it and it was removed. Then recently I noticed the same company was back but on another credit bureau. 
XX/XX/XXXX, I disputed the account on my credit a second time. 
They didnt remove it this time. 

I never heard of this company, and I would like for this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified by my credit monitoring servicer that my XXXX XXXX XXXX card serviced by Commenity Bank had been closed. I called the bank and I went through all the options until I received a generic message that stated, " If your accoung was close by the bank there is nothing that you can do and the bank has made that decision. However, if you would like to reapply you XXXX. '' I then logged into my online account which is still showing active to check if I had missed a message from the bank in the last 120 days regarding inactivity and there was no such message. Each store has their own policy on credit, and that is usually covered in the agreement you signed when getting the card. I should have been sent a letter stating which credit bureau they consulted if closing due to credit issues XXXX which there are none XXXX or what information led to their decision. They have failed to provide this information and are in violation of federal credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got a Serve Debit Card. I had it registered and I loaded the card with {$500.00} at a XXXX. I tryed the card three times and it didn't work. I believe the company is American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: PA
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:
Purchased a Hot Tub from XXXX XXXX through Wells Fargo XXXX XXXX. 
Actual Hot Tub cost was {$12000.00} Credit Limit reported was {$14000.00} Credit Limit should reflect {$12000.00} as a total cost of the loan amount financed The Credit Limit increase my debt to income ratio by {$1900.00} The original loan amount was Inflated by {$1900.00}.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

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 2019-08-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I'm having financial problems and have fallen behind on my credit card payments. On XX/XX/2019 Navy Federal Credit Union transferred money from my checking account without my consent to pay credit card debt. Can they legally do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I was involved in an accident where it almost cost me my life. But God didn't want it that way and until today I'm here with difficulties. Product to the Corruption of the  lawyers I ended up suing myself and the only thing I could get was a withdrawal from my work nothing more than that This situation, as they should be imagined, results in economic situations in XX/XX/XXXX. Call the bank XXXX XXXX. Explain the situation and they did not want to help us at all over time. We ran out of all kinds of economic resources. There were problems that began transferring us to XXXX XXXX and On this occasion it was better to go to XXXX and not have to deal with XXXX staff call XXXX in several occasions to transfer us to another and they never did XXXX we asked him to make a modification the only thing they did was put us in more difficult situations every day until this year in XX/XX/XXXX they sent us a letter saying they transferred us to XXXX XXXX   which is the same as XXXX XXXX XXXX, this famous company since we are in their hands are harassing us and trying to destroy us mentally with the actions they are making us physically destroy and mentally I hope to find you can help us solve something thank you very much Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Union Bank assumed our loan from another bank last year. Twice the bank has tried to charge late fees on payments made through XXXX  XXXX XXXX on line banking ... .funds sent by electronic means ... .not a check ... not in the mail ... Union Bank received funds on or before the XXXX of the month according to the loan agreement, and proven to be true with records from XXXX XXXX XXXXXXXX Twice they have sent out a past due notice dated that same day, the XXXX .They seem to not know that they already have payment on that same day and that it is on time. 

We have 10 real estate loans with 7 other lenders and have been paying on time for 20 years. .We pay most banks on our rental  property by electronic means all on the XXXX Never any problems until now ..Union Bank is the only bank that we have encountered this issue ... .Union Bank seems to have a glitch in their system or they are trolling for fees not deserved.

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 2020-06-24
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
About 3 weeks ago, I got a credit alert, that I had a collections account on my credit report, then I checked my XXXX  account, and saw that Plus4 Collections, Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, was reporting this. I immediately called them to dispute this, and told them, that they never even notified me before putting this on my credit report. Parenthetically, they still haven't given me written notice to this day! They said XXXX XXXX, then I told them the VA payed all my medical bills, because I am XXXX  % XXXX, and that, they too never sent me a bill. Please give me their phone number, I demanded. I don't have that information XXXX said. I hung up, and proceeded to get that information. Calling XXXX XXXX, they confirmed, that all the bills they sent me were returned, because they used the hospitals billing system for my mailing address, even though, EVERY TIME I went for a test, I put my current, CORRECT mailing address on all their paperwork, they failed to change their records, and, because they didn't timely notify the VA of these bills, the VA would not pay, but agreed to write them off. On the XXXX of XXXX, Plus4 Collections, Inc., was notified by XXXX XXXX to end their attempts at collecting this debt, but instead Plus4 Collections, Inc., notified XXXX  that I had filed for bankruptcy, which I have not!! I called Plus4 Collections, IncXXXX, and demanded they remove the lie from my account immediately, but they denied doing it. I filed a dispute with XXXX. I called back Plus4 Collections, Inc., with a representative, XXXX, from XXXX XXXX to have it removed forthwith, but they hung up on us.

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 2020-12-04
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
I have requested several times for this to be removed from my credit reports. I sent a validation letter to the credit bureaus, and it was returned as meets FCRA requirements. I did not receive validation that this belongs to me. I then sent a direct dispute to Portfolio Recovery Associates, and they responded with a bill- not valid proof according to the FCRA. I am requesting for this account to be removed from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I called the JP Morgan bank and the regular staff have no information on my account - at all, and the same amount that I won in the dispute -the {$630.00} is put on the recording as I owe it, or it becomes a credit. Something different everyday-this bank has been stealing funds from me ever since 2017 and I asked them to refund the payments, and then the recording stated that I had XXXX in credits. That is about right, so recording or not I would like the XXXX refunded to asap. I do believe that FEMA is in on the crime, because I was telling my boss about it and then my I phone went out -that FEMA gave me. I request that JP Morgan give me my XXXX and then they can close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted them about a Fair Credit Report Act matter. Instead of addressing the concerns, I received a letter stating that my account is no longer being services. I attach a letter with more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint against Sallie Mae I am writing today to complain about the handling of my student loans with Sallie Mae. Although I appreciate their consideration to provide me with a loan modification in XXXX 2017, they have reported me and my father 60 days late on our credit report. My mother, who is authorized to discuss my Sallie Mae loans, repeatedly asked the representative if this would impact our credit scores and we were told no you are not 60 days late. The representative who assisted us in arranging the automatic payment schedule even stated the day of the month initially picked would not be good because it would make me 60 days late, so we changed the payment date. In late XX/XX/XXXX, early XX/XX/XXXX, me and my father received a text message alerting us about a change made to our credit report. Upon further review, we found Sallie Mae reported me and my father 60 days late on my student loans. We have called Sallie Mae to lodge a complaint and resolve this matter but with no success. They said we received phone calls and correspondence regarding the loans being past due, which we are not disputing. But when we contacted Sallie Mae to ask why we were receiving the calls and letters, they responded they are automated and will continue to receive them until our 3rd automated payment was processed. We were never told our loans were 60 days late. We asked for a copy of all telephone transcripts of our previous conversations leading up to this point and were told they do not provide them. I understand we are responsible for the management of our loans, but we strongly believe we were misinformed and misrepresented. We reached out to Sallie Mae for assistance to try and avoid the exact situation we find ourselves in today. 

Based on our last phone call today, XXXX XXXX, 2017, to try and dispute this matter with Sallie Mae directly, they stated they will not correct the reporting to our credit reports since we were 60 days late. We are not sure if it will make a difference or not but me and my father have placed a dispute on all 3 credit bureaus against Sallie Mae for reporting us 60 days late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were unauthorized inquires on my Credit Report XXXX  XXXX requested my credit report on - XX/XX/2019 - XX/XX/2019 Roadloans.com requested my credit report on - XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX XXXX XXXX to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XX/XX/XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Choice Recovery, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I made a payment in full to Choice Recovery for the amount of {$320.00}. This is the amount I owed in full. I am still receiving phone calls from the company requesting that I pay them again. I have no other debt with this company and the {$320.00} has been removed from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: National Business Factors
State: CA
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 do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation