BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was issued in 2005 with XXXX  XXXX XXXX and subsequently sold to M & T Bank.

M & T Bank has been servicing my mortgage for over 5 years. This past XXXX M & T Bank force placed their Insurance on property as a result of them stating H06 Insurance was always required. 

Year over year the bank has requested my Master policy, been provided my Home Owners Association and have never requested a H06 Policy. 

As a result, my mortgage increased by over {$400.00}. I contacted M & T bank to file a complaint where a rep called me back once, I responded to her call multiple times by telephone with no call back from her. Weeks later I was sent my original mortgage documents with a clause highlighting that if my mortgage is sold to another company, I must comply by their rules. Which they were enforcing over five years later. 

As a result of M & Ts action of neither requesting or enforcing their H06 policy rule when they purchased my mortgage, the insurance I was offered through an Insurance company was almost as high as the Insurance Im paying M & T Bank. This is due in part to having no prior Insurance and an owner for over 10 years. In addition M & T Bank has collected {$1000.00} dollars from me over a 2 month course on a mortgage balance of Less than Ninety Five Thousand Dollars.

These practices are unfair customer treatment and I feel they should be reprimanded for their actions. 

I most definitely will be joining the class action lawsuit regarding this Insurance matter.

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 2019-06-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw a debt owed on my credit for {$540.00} I called and told them they had not sent me notifications in reference to the debt I asked for a manager and was told a manager would call me back in 48 hours I have yet to receive the call. I also asked for the first and last name of the rep she told me her first name then said she didnt have to tell me her last name and hung up. I told them this is not my debt as well as the other debt that they have in their office because my id was stolen. On the second debt they sent me validation but no where is my signature on the paper and it is not my debt due to my Id being stolen around this time. I am requesting they remove the debt from my credit report and send me validation with my signature on the paper. Also I am requesting for future reference and per the fair credit reporting act before they put the information on my credit report to notify me in writing as they have my correct information because they have had another account in their office for over a year which is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Receivable Management Group, Inc. (GA)
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:
The purpose of this complain is to advise you that an improper investigation was conducted by XXXX. XXXX failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by RMG Receivable Management Group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank is XXXX their branches threatens me treated me horible refuses to Open me an account gave me a letter blaming XXXX XXXX when its not I owe no money to this bank Or other banks I used to bank with them and was a good customer but for some reason they hate me their executive office lady lied to me and said that by Friday of this week she would have a response I sent her everything she asked me for and she XXXX  she doesnt even know what is causing this and refuses to help me their branches are awful towards me and tell me To go bank somewhere else and are extra XXXX XXXX and arrogant I faxed her my XXXX report showing I dont owe anyone money and even XXXX said its the bank that is refusing to open you an account not us your report is clean they have a problem with me and refuse to fix this and open me an account

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or Transunion and XXXX. Ultimately it is now on Transunion and XXXX  to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XX/XX/XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.

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 2019-05-18
Company: Automatic Data Processing, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with an overdraft
Sub-issue: Was signed up for overdraft on card, but don't want to be

Complaint:
On XX/XX/XXXX, I saw that my car insurance company had charged me twice time my debit card. I called my debit card company and made a report. I can use my card just after take my paycheck deposited in my account.. a couple of days after, I saw a charge U {$12000.00} from XXXX, but without my authorization. Then, I called again my debit card company, and they decide, lock my account, and send me a new card. after around 2 weeks, a card was delivered in my home, but to now, I don't have my U {$12000.00} deposited in my account. Then, I called my debit card company again. After 1 hour waiting in the phone, the attendant said that she needs to transfer my call for dispute. I wait for 2 and a half hours, and it's turn off. No answer anytime. I try all week, 3 times for the day, and nothing, no answer. In one this call, the customer attendance told me that I have few money, and its the cause that nobody want to help me. Thru now, I don't have my money

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed an account with XXXX XXXX XXXX XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ( 2017 ) and via mail XX/XX/XXXX ( 2017 ) to Transunion. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to Transunion by mail on XX/XX/XXXX ( 2017 ). Transunion obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today X/X/2017 via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, Transunion is closed on X/X/2017 so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to 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 2018-11-02
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
COLLECTOR KEPT CALLING MY CELL, MY MOTHER CELL AND MY FATHERS CELL AND MY WORK NUMBER AFTER I SENT THEM A CEASE COMMUNICATION LETTER. 17 CALLS TOTAL.

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 2020-04-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Procollect Inc debt of {$10000.00} reporting on my credit since XX/XX/2017, my identity was stolen. I do not owe this debt. It does not belong to me. I am requesting this inaccurate debt be blocked form my XXXX  credit file. I am requesting an original contract and sworn statement of this alledged debt.

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 2019-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I put in a dispute with Eqifax about a account on my credit report and Equifax investigated and stated that the account belonged to me. Equifax stated that I should contact the finance company with the listed phone number if I disagreed with their findings, which I did. The phone number is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX. At the time my property taxes were not included because it was a new sub division and had not been assessed. In XX/XX/XXXX I contacted US bank to inquire about adjustments and if or how much my payment would increase due to taxes. They told me that they would recalculate the property taxes in or around XX/XX/XXXX - XX/XX/XXXX and that my payments would increase after that. Well nothing happened for an entire year my payments remained the same. I didn't receive any notices, phone calls which they call me constantly after the first of the month even though I have 15 days grace period to make the payment. But I was never notified. In XX/XX/XXXX I attempted to make a payment using their online payment site and wasn't able to make the payment it showed a payment of over 3800.00. I didn't know what was happening so I called customer assistance for help. I was then told that I had a shortage of over {$8000.00} in escrow for XX/XX/XXXX which caused the increase. I was devastated because 1. I was not notified of the increase at any point in XX/XX/XXXXand I actually called and inquired about an escrow payment but was told there wasnt any adjustments. I didnt understand why they didnt recalculate my taxes in XX/XX/XXXX which is what should have happened. If that had happened my payment would or should have increased during XX/XX/XXXX instead of causing a shortage of over 8,000.00 and placing me in risk. For losing my home. This has causes me to have three late payments and has placed me in hardship. They call every day during the grace period until I make a payment but neglected to notify me or to reassess my mortgage in XX/XX/XXXX as they should have done.

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 2021-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JPMCB AUTO
Contact
XXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX, I closed all of my accounts with BBVA Compass,  including a credit card, checking, and savings accounts, thus completely terminating my relationship with the bank. Shortly thereafter, I received a service email pertaining to the credit card account that I had closed. I contacted the bank to confirm all my accounts were closed, and to ask why they were still sending me servicing communications. I was told all of my accounts were closed, and that I would not receive any more communication from the bank. On XX/XX/XXXX and XX/XX/XXXX, I again received servicing emails from the bank at this address XXXX. I can not opt-out of these emails because they are servicing communications that do not have the option to opt-out. Given that my relationship with the bank has been terminated for over 2 years, I think its inappropriate for them to retain my email address and continue to contact me regarding my closed accounts because this creates the perception that the accounts are still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The purpose of this complain is to advise you that an improper investigation was conducted by TransUnion. TransUnion failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, TransUnion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Pendrick Capital Partners Holding, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was resolved with the creditor. Debt collector sent me a confirmation letter that the account was closed. After the debt was resolved the debt collector still reported it to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XXXX/XXXX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7300.00}, XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}

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 2021-06-25
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief