BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness of an accuracy of the list of the accounts below. 

XXXXXXXX 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 2021-11-04
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a Citi Bank debit card holder. I wanted to transfer my rent to my landlord from CITI bank to XXXX XXXX. I finished my wire transfer on XXXX XXXX and It is already XXXX XXXX. My landlord still di n't receive money. Citi didn't give me an explanation and solution to this. 

The transfer is on : XXXX, XXXX Wire transfer : CITI BANK Amount : XXXX $ Status : not transferred

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 2019-08-14
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This bank is making it hard for me to withdraw my funds out with my ATM card. I am at the machine today and it's saying I committed fraud taking out my own money in person. Yet last time this happened they told me the machine has issues and every other card holder it's flagging for fraud at that ATM machine. They poorly maintain the machine plus are accusing me a fraud when I have adequate funds in my account and the transaction should go thru. This is getting to be a form of harassment. They need to fix or replace the ATM machine. They have issued me a new card at this time. They said it would be a fix. Yet I was told last time the machine is in need of maintenance.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/2022 I've disputed about my closed XXXX XXXX Credit Card payment history the account was closed XX/XX/2022 I've continued to receive payment history after the account was closed back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan thought Title Max was not aware I would end up in this situation. I originally took out the loan on my car to help with rent. After I seen the the interest rate it was impossible to pay back within XXXX  days  I asked if their was something I could do like and extension they said no and no partial payment so I had to pay with my rent money to keep my car and now facing eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was trading on the Coinbase platform up until XX/XX/XXXX when I was locked out of my account. I have been restricted access to my funds since XX/XX/2017. I have called and emailed the company countless times with no resolution. I am still currently locked out of my account nearly 3 months later, and all they can say is " a specialist has to take care of that. '' They will give me no time frame and no more information than that I just have to wait. This is criminal. This is my money they are withholding from me. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I purchased the house in 2008. They included PMI insurance on the loan. For the last 4 or 5 years i have been calling them to see how they can remove it. I had them send out an appraiser around 3 years ago and they claimed that i still needed the PMI. I called on XXXX of this year they told me that they would send someone out but i would need to pay the appraisal fee. They came out and valued the house at {$240000.00}. I owe Mr. Cooper {$160000.00}. I called last month to get status and they advised that i did not need PMI any longer. I asked them if i was going to be reimbursed for all the unearned premium and they told me that they dont this. I need help i feel that for a long time they made me pay for something i did not need. I started paying {$200.00} and they refuced it to like {$130.00}. 

My loan number with Mr Cooper is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Manager ; I thought I had already dealt with this 30-45 days ago when I called BESTBUY CITI directly and spoke for hours with the management team in regards to this situation. The manager I spoke with mentioned and confirmed that they had the wrong address and phone number on file since the opened the account. She said because of those internal errors, she submitted a request to demand a correction on that account and refund any fees, etc. I NEVER NEVER RECEIVED ANY BILLS OR CALLS, because it seemed like you guys had wrong information in the system.

Again, I was shocked TODAY when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a multiple payment on the date below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 for 30, 60, and 90 days late.

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought I made myself clear i never received any statements since the inception of this account and any form of communication. I was told and promised that the account was going to be re-opened, fees reimburse, and late payments removed, and new statements mail.

Again, I do ask in light of the good standing relationship we have that you remove ALL late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate.

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time.

I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. 

Thank you! 

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 2019-08-13
Company: AES/PHEAA
State: IL
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 applied for the PSLF program back in XX/XX/XXXX. After countless hours spent on numerous follow- up phone calls for a year and half, I finally got my " qualifying payments '' statement. This is only after a complaint filed with the CFPB. 

On XX/XX/XXXX, a statement was mailed stating that I only made 2 qualifying payments between XX/XX/XXXX to XX/XX/XXXX. However, according to my records I made a total of 7 that should be counted towards PSLF ( see attached receipts and bank statements confirming transactions ). When I called Fedloan, the CSR told me that my first payment was due XX/XX/XXXX and since I did not make payment until late XXXX, I was late and therefore that payment and all others do not count for PSLF. However, according to my records, my first payment was not due until XX/XX/XXXX so all payments were made on time. 

The CSR told me to scan and upload all my evidence and she would file appeal. I asked her how long it could take and the response was it could take up to the same amount of time as the initial processing time- a year and a half! I told her this was their mistake and I should not have to wait another 1.5 years for a response to the mistake they made ( and I only got a response of my qualifying payments because I filed a complaint with the CFPB- it could have taken even longer if I did not file complaint ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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: EQUIFAX, INC.
State: IN
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:
The following inquiries were NOT authorized : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSWORLD SYSTEMS INC
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR  THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Dovenmuehle Mortgage, Inc.
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been waiting for my COVID-19 relief program since XX/XX/XXXX. I called and requested an end to my forbearance and a loan modification. I was told it would take 30 days. I received a letter on XX/XX/XXXX dated XX/XX/XXXX, indicating that they recently mailed me a letter that contains the agreement that I was approved for and describes what the workout is and how it impacts my mortgage. I called the servicer on XX/XX/XXXX as I had still not received a separate mailing from them even though the XX/XX/XXXX letter stated it was " recently '' sent. I was told by XXXX that the paperwork was not done yet. I requested a call back from a Supervisor as I wanted to know when my paperwork would be sent so I can take care of my mortgage. I was told to just " pay what you can ''. I asked how any payments I make would impact the workout offer and she couldn't answer. I was told I would receive a call back within XXXX hours. As of today, XX/XX/XXXX, I am still waiting for that call back as well as my paperwork with my approved workout information and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Mercedes Benz Financial Services
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, Thank you for your time.

I leased a car from Mercedes Benz.

The release was paid in full at the beginning of the contract.

When I returned the vehicle there were no other funds due. MB claims to have identified damage and charged me an additional {$620.00}.

They sent numerous notices to an incorrect address.

When I became aware of the debt, it was in collections with Mercedes Benz Financial Services ( MBFS ).

I called them immediately and we settled on paying {$400.00}. They were to send me the info where payment was to be made. They did not.

I called them again after receiving another notice.

I made payment over the phone, with MBFS for the full amount on XX/XX/19.

MBFS has continued to send me threatening letters with language such as " final notice '' letters without a response that notify me that you " have attempted to resolve this matter amicably ''.

When I contacted them yet again, they had not record of the {$400.00} payment and wanted me to pay the full {$620.00}.

I stated that I would send proof of the payment and sent them a portion of my bank account statement showing {$400.00} being credited to MBFS.

Yet they continued to call and state that I owed them {$620.00}.

I asked what did I have to provide as proof that payment was made in full.

They stated that they wanted my complete bank account statement, specifically all pages. I found this odd since they could check back to their account to confirm payment. It seemed fraudulent.

I sent them the information anyway but redacted vital info but they still have not acknowledged that the debt was paid and verbally stated that they refuse to send me a letter or email stating in writing that my debt has been paid.

MBFS has behaved in a harassing manner regarding a debt that may have been fabricated but was paid nonetheless and will still not recognize that the debt was paid and will not provide written confirmation. It makes me very nervous that something fraudulent is transpiring with this company.

Thank you again for your time and attention

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: AR
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:
FCRA VIOLATION, not my name, not my address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Y 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: GA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector was assigned by the original creditor to collect the remaining balance on a check for XXXX. Their records indicate that I made a XXXX payment leaving a balance of XXXX. The collection agency has reported to the credit reporting agency that the balance is XXXX. The debt collector among other charges is attempting to collect three ( 3 ) times the amount of the check per California XXXX XXXX XXXX ( a ) which requires a certified letter. On XX/XX/XXXX I contact the debt collector and their response was a notice of dishonored check dated XX/XX/XXXX which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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:
I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes. 
When I rst noticed when my identity had been compromised I placed a fraud victim alert on my XXXX, XXXX XXXX and Equifax credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
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: Investigation took more than 30 days

Complaint:
XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

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