BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in  XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account! 
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners

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 2022-08-10
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
trying to make a payment to sessoms and rogers lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 Venmo deducted my account - {$1200.00}. I had to report fraud on my Venmo account through my bank. Bank agreed and gave me my money back. Venmo then decided to deduct that money and leave me owing money with a negative balance. 

Within that timeframe I received {$300.00} total from friends/family and that amount was used towards paying the money back Reached out to support. They investigated and closed case. Wont respond any further. 

I want the - {$1000.00} amount cleared to {$0.00} and my {$300.00} returned to me in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Experian Information Solutions Inc.
State: MS
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:
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

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 2019-01-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan of {$600.00} last XXXX, I have TO DATE paid {$1600.00}. 
I understand that the interest rate would be high, but this company is taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: MS
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:
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Credit Management Control, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them CREDIT MANAGEMENT CNTRL Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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:
XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble

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 2020-09-14
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: Their investigation did not fix an error on your report

Complaint:
Every two months Experian drops my credit score by 25 point with absolutely no reason.

Since I expressed my objection numerous times, I have no choice but to look for help somewhere else.

Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation.

After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by 25 points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. 

As per Experian website statement itself : 6 Reasons for credit score to drop Why Your Credit Scores May Have Dropped If you've noticed a drop in your credit scores, some common reasons might explain why : 1. You Have Late or Missed Payments- No, I didnt!

2. You Recently Applied for a Mortgage, Loan or New Credit Card- No, I didnt!

3. Your Credit Utilization Has Increased-No, it didnt!

4. One of Your Credit Limits Was Lowered-No, it wasnt. Only my  XXXX went down from XXXX, XXXX to XXXX limit, but it was already reflected on the report. Besides, your regular 25 points drops go way back past that time. 5. You Closed a Credit Card-No, I didnt 6. There Is Inaccurate Information on Your Credit Report-No, there is not. Unless you, Experian, input it there and I didnt catch it. So far I managed to correct all your misinformation. 7. You've Experienced a Major Event Such as a Foreclosure or Bankruptcy- No, I didnt.

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 2021-05-24
Company: EQUIFAX, INC.
State: TX
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I set up auto pay on Capital One 's website in XX/XX/2017. The auto-pay did not work due to a technical error on their end and I now have a 90 day late reporting. I have contacted Capital One and made a reasonable case, but Capital One is reacting unreasonably refusing to remove the lates from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
After realizing that most of the monies paid to Mobiloans weren't going to paying off the principle, I had to quit making payments and wrote them to try to work out a fair repayment program.I can not continue to pay excessive fees.I am on XXXX and cant afford.I never borrowed more than 400 at anytime and made payments but principle never seems to go down.Just need help arranging fair repayment plan, and stopping excessive fees.They have already damaged my credit after 30 days.They have ignored any requests to lower and set up payments that I can afford.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax had repeatedly failed to properly investigate XXXX XXXX and XXXX XXXX inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I'm a veteran and open a saving and checking account with Navy Credit Union. I also open a money market account. I deposit several thousands and requested to get a personal loan for XXXX. I have excellent credit and no challenges. My debt to ratio is extremely low and have paid all accounts as described. I also have enough income to cover the loan amount. I questioned the desired amount and it was 12k less  then what I asked and I still would need to place 3 % down. I question the amount with phone rep and she turned the conversation around and attempted to stop my interaction by phone or in person with Navy Credit Union. Presently I cant speak with teller at bank or by phone and I have money in Checking and money market account. They refused to allow me to do business with them and I cant enter bank to address anything about my account or by phone. I'm still seeking clarification why my loan requested was denied. Since there no reason for the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BROKER SOLUTIONS, INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I called New American Funding to inquire about home financing for an FHA loan, first-time homebuyer. I spoke with XXXX XXXX, NMLS # XXXX and XXXX pulled my credit while on the phone. I was very forthright about my needs and purchase timeframe for 1-3 months along with the challenges resulting in the need to pursue FHA financing. As a mortgage professional, I am well aware of what goes into a pre-approval and the credit requirements for financing in terms of minimum credit score, finance approval, etc. After XXXX pulled my credit, he indicated that he would send me a copy of the report to review along with a text with an access code to download the report, all of which I have in writing via e-mail. Since XXXX, I have followed up with XXXX on 2 separate occasions and sent income documentation for a preliminary approval and have received no response or acknowledgment to any follow-up inquiry, nor have I  received the access code to view the report XXXX indicated he would provide as a courtesy. The communication has been very unprofessional and I still do not know where I stand and my credit score has been further impacted by a hard inquiry from a company that does not care about the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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: Account status incorrect

Complaint:
My husband and I filed bankruptcy in XXXX and accounts included in the bankruptcy are being reported as delinquent causing our payment history to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.

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 2021-08-20
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 I received a total of {$13000.00} from a family member. This money was for my school tuition. 

On XX/XX/2020 the money was transferred to a bank account through PayPal in which I do not own. 

I immediately called PayPal, filed a dispute, and was denied. Showed proof that it wasnt my bank account and someone else transferred it, not me. 

PayPal is of no help and refuses to refund my money because of their lack of security and investigation. 

PayPal is a SCAM company who doesnt care about their consumers.

Company response to consumer: Closed with explanation