BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: M&T BANK CORPORATION
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I wrote a letter to M & T Bank. On it a explained that my Name and address was wrong. As a result I wasnt receiving the monthly mortgage bill. Also, I tried calling all the telephones provided on the mortgage statement and online but non work. At another time I ask why my mortgage payment increased from XXXX to XXXX. They said that my mortgage had two hazard insurances. On XX/XX/2019, I wrote two letters to M & T Bank. On one I requested, again, to correct my Name and address. On the other one, I sent evidence that my apartment has an active hazard insurance and there was no need for a second hazard insurance. On XX/XX/2019, I received a call from M & T Bank saying that they didnt receive the XXXX payment for my mortgage. I told them that I sent it by certified mail on XX/XX/2019. They responded by saying that it was accredited to the escrow. To this date, it appears as if I have not paid my XXXX payment.

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 2022-01-07
Company: Experian Information Solutions 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2023-05-25
Company: Experian Information Solutions 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 one of several times I've discovered that my credit report had inaccurate information. The three 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 Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2018-04-09
Company: SRA Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice from XXXX XXXX in XXXX, New Jersey stating I could turn in my lease early and owe nothing on the old lease. I went in and made it clear I would not do it unless I would not owe anything. They assured me - both the salesman and the finance manage that it would be an even swap. My lease shows that it is. I have the form I was sent in the mail. 

About two months later I received a bill from XXXX XXXX XXXX that I owed {$2000.00}. I explained the situation and they said, " We have nothing to do with XXXX. '' They turned it over to XXXX XXXX XXXX in XXXXXXXX, New Jersey and they are telling me they will take me to court. This started in XX/XX/XXXX. I wrote them a complete explanation and heard nothing until this month ( XX/XX/XXXX ) when they threatened to take me to court. 
I feel this was a " bait and switch '' by XXXX XXXX and XXXX XXXX XXXX. It was XXXX XXXX XXXX who held the first lease and it was they who the finance administrator called to get my pay off while I was there!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Experian Information Solutions Inc.
State: MN
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 requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX CO 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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( Transunion, XXXX, and 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 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Its a wrong information on my credit and its damaging my credit and I want it gone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Personal information incorrect

Complaint:
In XXXX, I went thru the steps to legally change my name to protect my identity. As part of my legal name change, I notified and took the needed steps to change my name with the New York State drivers license office and the Social Security office. I also took the steps to change my legal name with the United States Department of State and received an updated United States Passport Card. See attached # 1 for my updated IDs. 



I have notified Experian a number of times in the past about my name change. At one point, I thought they changed my name like XX/XX/XXXX andXX/XX/XXXX did but now I think they did not. I recently applied for a new credit card and the lender pulled my Experian credit report and then denied me and told me I had no open credit reporting. This is wrong, I have open credit. This led me to obtain my credit reports to review them last month. Based on these XXXX credit reports, I confirmed XX/XX/XXXX and XX/XX/XXXX are accurately reporting my new name and they are reporting my open XX/XX/XXXX credit card. I opened my XXXX XXXXXX/XX/XXXX card in XX/XX/XXXX, and I maintain a perfect payment history with them. See attachments 2-6. 



In viewing my XX/XX/XXXX Experian credit report, I noticed they still have my name wrong. They have my old name reported, XXXX XXXX. I have disputed this wrong name with them in the past as well as provided them with proof that this is no longer my name. This report also confirms that I have No open accounts reported. See attachments 7-9. I do have an open XXXX XXXXXX/XX/XXXXcard. XXXX XXXX confirmed to me that they are reporting my payment history to Experian. I believe Experian is not accurately reporting my XXXX XXXX credit history since they have failed to update my legal name and as such, they are not reporting my open credit. 



I need Experian to update my name and for them to report any accounts I have open now, or in the future, on my credit report. Their lack of fixing my name is causing me to get denied for new credit that I need. I have attached all the information needed to see how their reporting is in error.

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 2022-12-15
Company: Experian Information Solutions 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:
I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 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 explanation
Consumer complaint received 2019-06-07
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Unbeknown to me my wages started to get garnished by Columbia Debt Recovery XX/XX/XXXX. I have  been away from work since XXXX on short term XXXX and the company sent documents to my work and I never received them until after the garnishment started. I was not provided legal documents to my resident address or no attempt via phone. If I was properly provided a 30 day notice letter I would have taken the necessary steps to dispute the unk collection. They garnished my wages at 25 % and I have been evicted from my residence due to the fact.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-09
Company: MOHELA
State: AL
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:
IHAVENEVERWENTTOXXXXXXXXXXXX.
ITISSHOWINGTOACCOUNTSONMYCREDITREPORTSONALLTHREECREDITBUREAUSANDFROMMOHELA,ACCOUNT#XXXXAMOUNTS{$1900.00}{$85.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2001 with a balance of {$950.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
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 am continuing to have problems with GM Financial. Now I have applied for a home equity line and XXXX XXXX is stating I have a GM account being reported still late. I do not have two accounts - Acct XXXX has been straightened out - but GM is saying I have late payments on another account from XX/XX/XXXX - Acct XXXX - was a XXXX XXXX I traded in for in for the XXXX XXXX ( acct XXXX ) - I do not own the other XXXX - ( XXXX XXXX, XXXX XXXX, XXXX, Oh XXXX ) took possession of the car when I leased the XX/XX/2018. My mortgage credit report still has inaccurate information on it and it is keeping us from taking care of our financial statements. This is absolutely ridiuculous that I am still paying the price ( 5 months ) for GMs XXXX up. I want my financial statement as well as my husbands to be no longer affected by GMs terrible service. I want it taken care of immediately, so that any one who we apply for credit through knows we are not deadbeats! 


XXXX previous dispute # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited {$6500.00} using ACH and I can not withdraw my money. I already submitted CFPB complaint a 3 month ago, and they simply replied that I was able to access my fund which is total lie. I need my money back. When I called their customer service, they kept me in an egg-chicken situation where there is no solution. 

The egg-chicken situation is : In order to access USD fund, they need to perform country-change in my account. 
But to change the country, they need to empty any fund in USD. 

It has been a quarter of year since I started complaint. And Coinbase simply has done nothing except lying about my case and keeping me in a fraudulent loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint id is XXXX .... I talk to XXXX from executive offices at pnc bank. She still claiming i withdrew {$1400.00} dollars. I explain to her you can only withdraw {$700.00} dollars.. Than tried to say they put the wrong date. I want to sue. Someone is withdrawing my money and it simple not true. My email has changed. It is now XXXX. Do i file my police report now or wait. I will also file with the Attorney Generals office. 

XXXX XXXX XXXX XXXX, nj XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX of XXXX. Plaza Home Mortgage became my new servicer. When I refinanced, I did so without including an escrow account. I established and funded an escrow account with XXXX XXXX Mortgage. They cashed my seed check of {$6600.00} on XX/XX/XXXX. 

My property taxes were due XX/XX/XXXX but the bill was sent to me in XXXX. Since XXXX I have been trying to get my property taxes paid from my escrow account unsuccessfully. My property taxes are now overdue by 1 month. 

I have called their support phone line many times since XXXX and spoken with numerous people who have assured me that the taxes will be paid, but they have not been paid. 

I have sent multiple emails to their customer service email address that have gone unanswered. 

Now, when I attempt to call their support phone number XXXX XXXX XXXX XXXX, I am being routed to a fax machine. 

This is entirely unacceptable. They have my escrow money, but are refusing to pay my taxes and now I can't even get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: ECMC GROUP, INC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.

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 2023-04-06
Company: EQUIFAX, INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


XXXX XXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company has run my credit XXXX  in XXXX month without my consent. These have hit my credit report as hard inquiries. The first XXXX was XX/XX/XXXX and the second XX/XX/XXXX. I do have a loan with them that I have not been able to make my monthly payments due to XXXX affecting me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: DC
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:
Equifax is a double reporting on my credit report. XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX. XXXX XXXX clearly says the client XXXX XXXX   which means XXXX XXXX  sold the account. These accounts have not been verified correctly. XXXX is not reporting that they sold the account to XXXX XXXX which is a violation as well. I have attached the report from Equifax. Both can not be reporting on my credit for the same debt. 

Equifax has not investigated this matter and that is a violation. 

This is a violation of rights and both accounts NEED to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: DISCOVER BANK
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:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
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:
XX/XX/2018 Transunion received from me a certified mail ( XXXX ) in which I am requesting to investigate information that is hurting my credit and in a clear violation to the federal law ... 

XXXX reporting a past due balance of XXXX in a collection account which represent a violation to the federal law ... 

XXXX XXXX reporting a past due balance in a collection account. 

The answer from Transunion was to sent me an updated results of their investigation and I attached the picture of the results where Transunion keep reporting a past due balance in collection account represennting a violation to the federal law .... 

I AM ATTACHING THE PHOTO WITH THE PROOF OF THEIR INVESTIGATION AND CIRCLE THE VIOLATION ... past due balance in a collection account is a Violation.

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: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My name is XXXX XXXX. I write in reference to my American Express serve card. Ive used it for years without incident. My salary is loaded onto the card, XXXX $ after taxes every two weeks. My card was on me in NJ when I received texts about decline fees. 
I checked my account and XXXX $ had been taken moments earlier at a cash machine in XXXX. My card was skimmed at the XXXX store that has no fees to withdraw. I filed a fraud complaint certain serve would credit my account for the money stolen from me. They denied my claim and claimed no evidence of fraud. I researched the company and found many similar stories. Serve is not investigating the claims fairly. They are allowing my money to be stolen. Please help

Company response to consumer: Closed with explanation