BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my payments in XX/XX/XXXX. I had a XXXX XXXX XXXX in my left leg and a XXXX. I was in the hospital from then until XXXX and in medical rehabilitation until XX/XX/XXXX. This made it very difficult for me and my family to stay current on my payments because I was focused on my recovery. I inherited this property from my father, I am his only son. I began the process of probating the estate in Early XXXX. I have applied for mortgage assistance four times. I sent a request for mortgage assistance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. the I was not being reviewed for assistance until I had a deed in my name along with letters of administration and so I was denied. I then reapplied once I had those documents. Now M & T bank is saying my application is being removed from review because there has been " No material change since the last submission. '' This is the second letter I got with this decision. I am unsure I fi am being denied assistance or if I am just not being reviewed. I have submitted everything necessary the bank has asked for.

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 2020-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A secured credit card with an additional {$500.00} deposit closed XXXX and yet to receive the deposit back within the 2 billing cycles as stated in the contract. Contacted Capital One to resolve the matter but was given no date when money would be refunded. If Capital One was owed money and no payment was made a {$38.00} late fee plus 24.9 % interest would be charged ; funny it does not work both ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have missing escrowfundswhich my mortgageservicers refuse to account for. I had a mortgage serviced by Specialized Loan Servicing ( Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) that was transferred to XXXX XXXX XXXX Loan XXXX ) in XX/XX/XXXX. 

When the loan was transferredto XXXX XXXX {$5800.00} in escrow funds were not transferred. At the time of transferthere was {$6800.00} in escrow and only {$960.00} was sent to the new servicer XXXX Specialized Loan Servicing refuses to say why they only partially transferred my escrow ). I have attached the escrow accounting from XXXX showing this. XXXX then shows {$5800.00} as a miscellaneousdisbursementbut neither I nor the new servicer have receivedit. 

I have attached my first statement from XXXX XXXX showing only XXXX in escrow funds. 

Specialized Loan Servicing is stating that they no longer have a responsibility to open an inquest into these funds as they no longer have the loan ( although the transfer was only in XX/XX/XXXX ) and XXXX XXXX is stating it is not their responsibility as Specialized Loan Servicing was responsiblefor transferringthe funds. 

SLS is also stating that they no longer keep records pertaining to prior loans and can not research this item although it just happened a few months ago. 

This is the second escrow discrepancy over XXXX I've had with Specialized Loan Servicing and per my bookkeeping my other loans ( XXXX in number ) have various missing funds. I submitted written requests ( submitted XX/XX/XXXX ) for escrow accounting for these loans but Specialized Loan Servicing says as they are no longer the servicer they don't have these records ( even though the loans were transferred in XXXX ). 

These are the other loans I submitted a written request for escrow information from SLS for but was denied : Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Loan XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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 cant verify exactly what they have on file so they refuse to assist me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2018 I sent in a dispute letter to XXXX  asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
State: FL
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that item comes back validated even though the information incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: BARCLAYS BANK DELAWARE
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX Retailer accepts returned goods for full refund. Full refund is issued. Receipts are printed In store and from computer and filed. Online transaction later reflects different information, which is usually accompanied with temporary fraud and theft of financial records to support what seems to be accounting and bookkeeping projects at the expense of the reporting party. Issue described frequently targets the older transactions soon to be removed from the online history. Task is routine and ongoing and meant to tire person completing bookkeeping online or record keeping onsite.

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 2020-11-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several XXXX  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX NJ XXXX MORTGAGE COMPANY BSI, CARY MY MORTGAGE XX/XX/XXXX TO XX/XX/XXXX TOTAL 23 MONTHS I HAVE XXXX PAYMENT STATEMENT PAY ON TIME BSI DOWN MY CREDIT SCORE TO - - XXXX MY WIFE AND MY SON AND BSI SAID IF WE DON'T XXXX AND XXXX THESE MONTH WE ALREADY PAID MY HOUSE WILL IN FORECLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
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: Old information reappears or never goes away

Complaint:
Experian denied my application for a loan from XXXX  XXXX XXXX  for an XXXX. I believe the denial was XXXX, based solely on my last name being XXXX. I have a high six-figure come - my wife, with whom I share all my accounts, was able to get the loan approved using the exact same credit card, despite not having worked for 7 years. Her name is listed as my wife on the expedan data base. My credit score is XXXX. The only difference in the 2 applications was my XXXX name.

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 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XX/XX/XXXX bank of america has not yet paid the claims i have filed in XXXX there was XXXX claims i had filled and they where all changed and bank of america is saying they are paying the claims and then they are writing them off this is not right my money was put in to the bank of america XXXX XXXX and i received the first check that was {$330.00} and that was it after that check all the deposits put in my account was stolen i received paper work from bank of america and there where XXXX cards being used at the same time bank of america said that cant happen well i have the statements from bank of america and it shows them all being used at the same time the whole year of XXXX and i contacted unemployment last week and i was told that unempolment put {$57.00} XXXX dollars in my account bank of america said no it was only {$3200.00} XXXX so there is another {$27.00} XXXX dollars missing so i contacted bank of america and they are just telling me that all my claims are pending well these claims have been done sense XXXX this is not fair that they can do this they have been in court and they are to pay these claims and they are not doing it they are saying they are paid and they are not and then they paid XXXX claim XX/XX/XXXX for {$75.00} XXXX and there was only {$25.00} XXXX put in the account and i called them and let them know but they are not correcting the money that was put in the account i have talked to supervisor after supervisor and nothing is getting done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22
Company: EQUIFAX, 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:
I need help re Equifax. 

I have been trying to sign up for a security freeze with Equifax and seem to be on an endless loop of emails. I went to the website and entered all the information they requested. They said to wait for an email to continue enrollment ( which the other credit services didnt do enrollment was instantaneous ). 

I got the following email from Equifax : " It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, youll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment process and activate your product. 

To verify your identity and activate your product, please click the link below : https : //trustedidpremier.com/XXXX XXXX This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX, XXXX. 

If you did not request this email or if you have any questions, please contact us at XXXX. 

Sincerely, Your Equifax Customer Care Team '' Again, I did everything they told me to do and was told, yet again, to wait for an email to continue enrollment. 

And around and around we go. 

I have called the Equifax customer service line twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and have told my story to the operator. On both occasions, the operators have said something along the lines of, Not the first time Ive heard this! 

On each occasion, I was told to call another number because my request had not been registered. The numbers I was given are : XXXX and XXXX. They are both constantly busy and I have not been able to get through. 

Can someone please report on this or help me in some way? Equifax caused this whole problem to begin with they should not be allowed to get away with shoddy treatment of their customers, who never asked to be customers in the first place. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, the company offered me a pre-approved visa credit card where I can earn XXXX points for spending {$500.00} within the first 90 days. I applied and was approved. I started using the card. Right after I spent {$500.00} and earned the XXXX points, I received a letter from the credit card company stating they decided to close my account. All my points were lost. The company stated they closed my account because of the number of recent inquiries on my credit report. I did not think it was fair because I had made payments on time and my credit score was XXXX. The number of inquiries had nothing to do with whether I would able to pay my bills. I wrote a letter to the company on XX/XX/XXXX to plead my case and I have not received any response as of today. I think the company is committing fraud for getting us to use their cards and then not honoring the offer they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Account information incorrect

Complaint:
Account # XXXX, I have wrote a letter requesting VERIFIED Proof of Debtor or Proof of Undertaking. XX/XX/2023 USPS # XXXX XXXX XXXX XXXX XXXX, Notice of Default and Opportunity to cure, XX/XX/2023 USPS # XXXX XXXX XXXX XXXX, not responded has been received, I acquired my Credit Report and ask the credit Bureaus to make sure everything was completed and accurate according to 15 USC 1681i ( 5 ), I have send a letter to Experian XX/XX/2023 USPS # XXXX XXXX XXXX XXXX XXXX, Experian has not modified or remove anything this account is showing wrong information, By the FCRA the report has to be accurate, and this report is NOT ACCURATE. Which is a Violation, this is impacting from moving forward to grow my Business

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 2020-07-30
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In/around XX/XX/2020 I purchased what was supposed to be a new rug shampooer. The XXXX XXXX  company sent a pre rented unit that was filthy and does not work. I disputed the claim with SquareUp, Inc, owner of the debit card company. Several customer reps, in writing, told me that it would take 2 days to look at my claim. and give me at least temporary credit. When I called back after no word in two days, a rude car told me 60 days. I complained and asked to speak to a supervisor and this person XXXX said no you cant and I am going to hang up. ( No I was not screaming, being rude or yelling. I sent pictures of the non working machine and the serial number with a metal plate saying rental, please return. This information was ignored by SquareUp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: TX
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:
I have sent Equifax a certified letter disputing the following inquiries, but still no feedback 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 2019-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My capital one card was a secured card of my own {$250.00}. I tried to get a car rental at XXXX which was the last transaction on that credit card and i was denied the transaction due to insufficient funds. The rental was over {$1000.00} i tried called capital one to raise my Credit since i had added funds to the account. I believe it was 600 or so. Trying to raise my own credit not knowing it didnt work that way ; so i ended up paying cash for the rental the thousand and change dollars all cash. So i have no idea why or how my credit limit # 1 was increased when after i was denied the credit raise i asked for The card to be closed. Now i have a {$800.00} + debt for no complete reason and i have no way of figuring out who was the agent at enterprise that took my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Account information incorrect

Complaint:
I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect information.

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 2023-06-08
Company: EQUIFAX, INC.
State: AR
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 found out that the accounts on my credit report are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have called early XXXX to pay off this loan, however I needed to first find out why the balance I have in my records are my records show roughly 1800 dollar balance while prosper has a XXXX dollar balance. I need to know why and I've called several times trying to get this info and due to poor customer service I have not been able to get them to run an audit and make sure the balance is correct. This last call today the supervisor hung up on me and never called back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.

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