BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: LA
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:
Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

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 2021-02-26
Company: EQUIFAX, INC.
State: AL
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:
In XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In that month, I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX  XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX  XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

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 2021-10-10
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I had two options to select from : subsidized loan and unsubsidized loan. I picked the " unsubsidized loan '' option and received a message saying that I have taken a loan out of Mohela and have to pay it back. It is on my credit report. If I really wanted to pick the subsidized loan, I would have taken the unsubsidized loan as well with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Colony Brands, Inc.
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 am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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:
As a consumer, I have rights that are given to me to protect me from misinformation being reported on 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 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempts to collect debt not owed ( debt was paid, discharged Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank.

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 2023-01-06
Company: Byrider Franchising, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Its the constant every two weeks to the date they call when payment is due. I dont even get to the end of the day! Its harassment when it doesnt need to be. My car is almost paid off! I tried to make a {$100.00} payment today and payment was refused! I dont need a car loan company calling me the day my payment is due! Thats very loan sharkish

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: MECHANICS BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I went to cash my paycheck at Mechanics Bank in the amount of {$2600.00}. Since I was using my second form of ID that still has my concealed to carry. The bank manager a dark skin man lied said that he is keeping my check. That is fraudulent had verified that my check was good before the this weekend. A conceal to carry license does not call the police as there for meaning you are registered with them. My paycheck has keep without cashing the check as it is the issuing bank on the check. 
Issuing bank and location where I cashed I tried to cash my check. 

Name on check my business name XXXX XXXX XXXX XXXX ID XXXX XXXX Mechanics Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i dispute the validity of this debit, I've never done business with CREDENCE RESOURCE MANA nor signed any contacts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Comerica
State: NM
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX  days ago my social security was started. XXXX direct, comerica bank is the company which social security uses to handle the pay cards. 
They never verified my address and sent the first card to a XXXX XXXXXXXX XXXX address i do not live at. We discovered the address discreppency they nulled the first card and expidited a card to me charging # XXXX. 
I recieved the card and tried to activate it. They required me to send copies of my id to them and was told a security code would be sent to me. This was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Credit Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified letters including police reports were mailed and received by XXXX XXXX/Resurgent Capital Services on  XX/XX/XXXX @ XXXX hours,XX/XX/XXXX @ XXXX hours, and XX/XX/XXXX @ XXXX hours. XXXX XXXX XXXX agency also received a certified letter on XX/XX/XXXX @ XXXX hours requesting validation of several accounts that were established without my knowledge and consent due to identity theft. Both XXXX XXXX/Resurgent Capital Services and XXXX XXXX XXXX agencies have NOT been able to provide proper debt validation according to the FCRA guidelines within the 30 day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Goodmorning my name is XXXX XXXX, I have had my account wrongfully closed and I still have funds remaining in there. I have sent out the required documents which you can find below again on why the XXXX  transactions was being sent to me. I live with 3 other people whom have agreed to send me their rent money every month as you can see the evidence listed below. Please do not ask me to resubmit the documents that I have submitted multiple times already I am looking for an solution, it has been since XXXX  and you guys are holding all of my funds and me and my roommates rent money hostage. I am asking for a solution here this time I provided every single thing I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX account, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX fraud alert website does not work company makes this very difficult my info was hacked from this company not protecting

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: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Todays date : XX/XX/19 Equifax- froze credit on XX/XX/19 ... simply trying to go in and do temp lift..however, their systems are not working and can not reach reps on phone ... I have online account set up in XXXX 2019..but unable to access due to their systems issues. Went through automated system entered all personal info and then it said the self service option was down. I went through all the trouble and time to set up account months ago and can not access, can not reach equifax ... 

Equifax is in complete turmoil with their systems and ability to service customers. I am a professional and XXXX  XXXX. The inept systems and ability to let consumers manager their credit is absolutely unacceptable. If I did that in my business, I would be out of business. Maybe Equifax should be if they can not manage and meet their obligations to customers. 

The CFPB should be testing their systems..it is embarrassing and unacceptable. They are making millions off our credit reporting and consumer/taxpayers should be able to manage it. Their systems have to improved. Obviously their systems are not given their data breaches. It is unacceptable behavior. I hope and trust that the agency put some serious pressure on getting things improved at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept  of Ed/XXXX/XXXX. There are also inquiries on my report that .I know nothing about XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND 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 2019-08-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo Bank follows a policy of making it difficult to contact them, forcing waits often of an hour and more. 
A web search reveled that this is a widely embraced policy. Suites such as XXXX, XXXX XXXX and XXXX have been developed to deal with this problem. None of them work for me. In particular they provide no way to contact the group one needs to talk to, directly, at XXXX. Instead one has to be transferred to a call center, which obviates XXXX procedure of calling on ones behalf so one does not have to wait interminably on hold. 
I had requested a stop payment to XXXX XXXX XXXX ( I am XXXX ) on Sunday XX/XX/11 and was told to call back on Monday to provide reasons why. The phone never answered. This means the stop payment will go through without XXXX being advised why. I depend on their home delivery service. Usually I have been treated well, but both XXXX and Wells Fargo have blocked my attempt to reach someone at XXXX to resolve the issue.

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 2023-12-05
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX TO XXXX : MACU was properly notified at the local branch at XXXX XXXX XXXX XXXX of my legal name change and address documentation including my current address which copies were given. I requested to have regular statements of the loan sent every month by mail. I havent got any mail with my new name otherwise the mail will be returned back to MACU. As the name change went to effect already with the post office. I am now receiving notifications of my loan being reported 30 days late with the credit reporting agencies. This is now the second occurrence of requesting on time statements and mail not being delivered. Please remove the late reporting from the credit reporting agencies as a courtesy for the error on the bank for failing to send proper notices and statements to my mailing address with my current name and send my mailing statements as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX, UT XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation