BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage about 9 months ago due to a decrease in my income as I am a small business owner. Unfortunately it was difficult for me to get caught up but now I am in the position where I can confidently pay my mortgage and have the support I need. My loan was transferred to M & T Bank and they never reached out to me to offer me help, they never assigned a specialist to my loan or attempted to inform me that there are alternatives to foreclosure, I found this out by doing my own research online. I feel as though I was treated unfairly and that my rights have been taken away from me as a homeowner.

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 2021-06-02
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a home mortgage today at 2 banks XXXX XXXX XXXX  and XXXX XXXX XXXX and was denied. I found out from XXXX XXXX bank that the reason was my low credit score XXXX, which they obtained from XXXX. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( XXXX XXXX, and XXXX  ). From XXXX, my credit score was XXXX. 

I called XXXX  and asked about the the discrepancy and was told that the problem is likely the third party company, CoreLogic Credco LLC ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called CoreLogic Credco and after a very extensive hold, I was told by a customer service agent that the the score came from Fair Isaac ( FICO ), and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application.

Attached are my credit score from XXXX website, which I had to pay $ XXXXmonth subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and XXXX  as the source of the info. The letter also states Credco LLC as another credit info source.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I show a bankruptcy on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I have disputed with documents numerous times and this is affecting my credit

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 2021-07-15
Company: SLM CORPORATION
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a past due student loan account with Sallie Mae and I am receiving numerous phone calls per day. I understand the state of Tennessee allows, I believe, up to 8 phone calls per day, however the FDCPA does not allow for harassment. I am a night-shift XXXX  and they call all throughout the day while I am sleeping, interrupting my continuity and affecting me mentally. I have to keep my phone on ring because I am also on-call for emergencies. Today at XXXX XXXX  CST I received one phone call and then 7 minutes later at XXXX XXXX  CST I received a second phone call. Now awake, I answered and asked the caller, XXXX XXXX, if she is aware that she called me 7 minutes apart, back to back. She stated yes. I asked her why is she calling me back to back 7 minutes apart and she stated because your account is 49 days past due. I believe this rises to the bar of harassment and repetitive calls with a specific intent. As soon as she got off the phone with me, she called my grandmother who is listed as a reference. Nothing illegal or untoward about that, but it establishes a pervasive timeline.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice in the mail about a settlement which I agreed and tried to pay but collector then said debt was recalled. Called company and after they knew I agreed to pay they gave to new collector for higher amount, I went inside store and spoke with storemanager XXXX who has notated the account that I came in with cash and tried to pay. He says he see the letter and dont understand why I cant pay it. I had cash in hand and they refused the agreed settlement offer that they made. remove the debt since unfair and unlawful tactics have been used. I was instructed to open business account and have since been getting charges continuously crammed. Only got business account because they wouldnt honor their own settlement offer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX  XXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX  XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX  / XXXXXXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XX/XX/XXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXX XXXX  XXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XX/XX/XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXX XXXX  XXXX Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XX/XX/XXXX Account type -Auto Loan This is a fraudulently opened account XXXX/XXXX  Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection

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 2019-01-16
Company: EQUIFAX, INC.
State: IN
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:
Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my XXXX  and Equifax credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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 a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.

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 2021-07-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello I am hoping you can help me with an issues I have with Comenity Bank. In XXXX of XXXX Comenity Bank and myself came to a settlement agreement on a balance I owe of {$2200.00} the settlement agreement was {$890.00} of six payments. 
XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$390.00} Now they are trying to say that I owe them {$1300.00} which is the difference between the full balance and the settlement offer that was paid. Also on my credit reports XXXX XXXX and XXXX are all reporting a balance to. This should not be happening since I have a letter from them with the offer and payments schedule. I have attached the letter for you viewing. This has done on long enough and need to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: EQUIFAX, 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 status incorrect

Complaint:
I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXXXXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Community Health Investment Company, LLC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have tried on several occasions to get the XXXX XXXX XXXX XXXX to rebill my insurance company for the {$1900.00} they were initially charging for the XXXX XXXX XXXX I had done. Instead of them doing so, they hired an collection agency to harass me. I called XXXX XXXX XXXX XXXX this morning to get to the bottom of this and the first rep I spoke to told me that if I did not pay they would sue me! I had insurance and called Arkansas Medicaid to verify it. I even called the Medicaid Claims department and grievance department. I was told by the grievance department that the hospital failed to submit the claim with an extension or with a XXXX referral. This couldve all been solved without the threats and headaches I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Mr Copper. During the start of the pandemic, I applied to get a hold on my mortgage. 3 months ago, I was placed a trial of payments, which I payed with no problem. I was expecting to resume my payment with, of course an increase. I insisted to pay. One rep told to " hold on my money and if I pay XXXX as it was written on the statement online it will be for XXXX XXXX ''. At my surprise today, I checked online, I found out it is a loan modification. I called and spoke to 3 reps whom won't cancel the loan modification because I signed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, 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:
This is an account that has already been removed from my report, the creditor is now sold to a new company reappearing. As previously discussed and stated not my debt! 

XXXX XXXX XXXX collection Agency - XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to do not any legal rights to post on my credit report. I nor them have a signed contract regarding this claim. 

Resulting in this claim has dropped my credit score. 

The collector must send you a written notice within five days after you are first contacted to tell you the amount of money owed, the creditors name and what to do if you believe you do not owe the money. This validation notice warns you that if a debt is not disputed it is considered valid. - this never happened the debt collector did not follow suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: FIRST HERITAGE CREDIT LLC
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:
I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My identity was stolen, after I learned of this I contacted all my financial institutions including PayPal. It was very hard to get a hold of someone to on the phone. Then because my account was stolen it was even harder to contact you guys over the internet. I left many messages to you all but never heard back. At one point I got ahold of someone and we went through all the money that had been taken unlawfully or fraudulently. A case was opened and in a short time after closed, not by me but Im assuming you all or the person who stole my account. At that same time I went in and verified some things for you all. I was let back into my account and I updated everything. At this time my bank account had already blocked this account from spending my money. I believe that should have been a red flag for you all. However it wasnt. My biggest concern now is that theres another bank account in my name thats being used on my account. If that is the truth then those are both fraudulent accounts. You guys have not talk to me since you will not return any of my phone calls you will not return any of my emails Im guessing you think I am the identity theft thief, but you couldnt be further from the truth. I am in fact XXXX XXXX. I have had this account for years like over 15 yrs, and Im so surprised you all didnt see the big change in the characteristics of spending money. I never had a small business as well, it was added by the person who stole my identity. I want to see my accounts spending for the past 8 years, as Ive been told it is about that long if not longer that this has been going on. Im needing your help to solve this, I cant do it alone. Thanks for reading Im hoping to hear back from you. The stolen account email is still being used, I begged yall to delete it in our one and only conversation, you said it would be done immediately but this was back in XXXX of last year 2020. I need answers and help with my account. There is not a good telephone number that you all can be reached at, as well as there is not a good way to get in touch with you unless you have a PayPal account. Im wondering if there is a number or a better way of communication that you all could give me. I have tried everything and you guys are just so hard so very hard to get a hold of by phone or email or any communication means. Thank you again for reading and I hope to hear from someone soon,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citibank has continually assessed overdraft fees to my account in violation of the XX/XX/XXXX Overdraft Protection Law. When I contact the bank about this issue, they deny that this law exists or that they have done anything wrong. They claim it is part of my bank terms of service, but I never opted into the program and they can not provide any contract or paper trail confirming that I have opted in.

Details : Assessed {$34.00} overdraft fee on XX/XX/XXXX Contacted bank on XX/XX/XXXX Bank employees told me this was " how all bank accounts work '' and denied that there is any overdraft protection.

Refused to waive the fee

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 2021-06-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2021 I spoke with XXXX XXXX representative about co-signer release. The representative verified that the loan meets the required payments ( 48 on time payments ). However, because they are being sold to XXXX, which is really NELNET, a big education loan holder, they will not take the application until the change takes place. 
The earliest I could apply for this is XX/XX/XXXX. The representative indicated that it would be just a matter of filling out the application. 

XX/XX/2021 I contacted XXXX the first week that I could inquire about the co-signer release form. Due to being backlogged from transitioning from XXXX XXXX, the XXXX representative stated that I would not hear back from them regarding my request for a co-signer release application until at least XXXX. 

XX/XX/2021 I received a letter from XXXX stating that I did not meet the requirements for the co-signer release application due to delinquent payments from almost a decade ago. This completely contradicts what I was told by the original lender, XXXX XXXX, and, due to a backlog, my request was backlogged and now void under the new rules of the new loan holder, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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