BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX my husband and I purchased a home together in XXXX XXXX PA. Our mortgage holder at that time was XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX The purchase amount of our home was {$220000.00}. On XXXX XXXX, XXXX, our mortgage was sold to M & T Bank. 
M & T Bank XXXX XXXX XXXX XXXX, MD XXXX XXXX When our home was sold, we were notified via postal mail. However, since then, we have had numerous financial difficulties, have been entered into a loan modification program, and just recently while getting together all necessary paperwork, I have noticed that when M & T Bank took over our loan, they have instituted our loan for the maximum amount of {$220000.00}. Upon our ending and closure with XXXX XXXX, we owed {$220000.00}. We made 7 payments to them in the amount of {$1700.00}. These payments were not applied to our transfer to M & T Bank and I feel that this is wrong and not legal. I have contacted a legal representative and they also stated that I should contact you and seek assistance. I am seeking reimbursement for the 7 payments that were not applied to my account with M & T Bank. Should you have any questions please contact me. Thank you.

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 2022-02-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF ED/XXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF EDXXXX **** {$1900.00} ( XXXX lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF ED/XXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF EDXXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.

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 2017-10-31
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My tax lien was released in XXXX, I attached proof. 

XXXX and XXXX deleted this Public Record from files. 

I contacted Equifax several times trying to dispute this record, they simply ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
After reviewing the loan with a banker, I realized the estimated payoff amount started to increase from {$12000.00} in the statement dated XXXX XXXX, XXXX to {$13000.00} in a statement on XXXX XXXX, XXXX. Also the Accrued Interest doubled on two different dates. On XXXX XXXX, XXXX the interest was {$100.00} and on another invoice from the same date was {$510.00} and that happened again on XXXX XXXX, XXXX as well with accrued interest going from {$130.00} to {$380.00}. The interest rate is currently 18.89 % and my payments are {$320.00}, I asked if the interest rate could be lowered and was told 'Santander Consumer USA does not lower interest rates. '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
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:
Received a spoofed number call from XXXX XXXX. Told me that my husband and I would be arrested and taken to court and that he would locate me at my premises. Then called my mother on another spoofed number threatening to break in to find me ( meanwhile I own a home ) and he would hunt for me. Stated it was in regards to a Mobiloan account. And to call XXXX. I am contacting an attorney too since this behavior is uncalled for.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: NC
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:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CITIBANK, N.A.
State: HI
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:
Sometime during the 4th quarter of 2021, I assisted my father in paying off his Credit Card with Sears/CBNA as hXXXX wanted to close that account and switch to a new lender. While my father and I were on the phone wit a Sears/CBNA rep trying to pay off his card with my own credit card from a different lender, the rep asked my father if it was okay for me to make payments to his card and my father said Yes. We were not under the impression that I was going to be an authorized user of the card and that I would have my own credit card with my father being the main account holder. We were under the impression that my father saying yes to the rep meant that I could pay for his Sears/CBNA card with my own card. My complaint is that there was no clear understanding of what it meant when my father said Yes over the phone. As I checked my XXXX Report, I saw the Sears/CBNA credit card on there showing that I had an account with them when in fact, the 11 years that my father had this card, I never did use. I filled an initial dispute with XXXX about this. The results stated Sears/CBNA said there was nothing wrong with that. I then contacted Sears/CBNA to have them remove it, and that rep said there was nothing in my name. I called XXXX back to share what Sears/CBNA told me over the phone and then filled an additional dispute with an XXXX Rep. Again, this 2nd dispute came back and said Sears/CBNA said there was nothing wrong. I have 2 different credit cards of my that I already have in my own name. All I am asking is if Sears/CBNA can be taken off of my Credit Report as I never did use it in the 11 years that my father had that credit card.

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 2017-10-31
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On or about XX/XX/XXXX I purchased 4 Money orders for XXXX each which I made payable to XXXX XXXX XXXX ref numbers are XXXX, XXXX, XXXX. I mailed them to XXXX XXXX payment address as I had done several times in the past. I noticed by the end of XXXX that the MO had not been applied to my account. I called XXXX XXXX immediately. Western Union told me they would request a copy of the MO be sent to me for inspection XXXX and XXXX passed I called numerous times until I strongly suggested they process my claim and get me these copies. I finally got a copy of 2 of the money orders which I then called and asked for the others to be sent to me as requested 2 months prior. Western Union sent the other 2 by this time it is early XX/XX/XXXX I  called them back they told me that I would have to wait to receive paperwork by the end of XXXX I received the needed paperwork, had to spend XXXX for notary fees and sent requested documents on XX/XX/XXXX, which they received XX/XX/XXXX per USPS tracking return receipt. I called today they claim to have received the documents and that an investigation will begin. Claims department asked me to call back XX/XX/XXXX. I do not have the means to wait for XXXX for this period of time. I am sadden for people with lesser means

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for the 7-Day free trial with Experians CREDITCHECKTOTAL website. After my 7 trial I called MULTIPLE times to call and cancel this account. The wait times are ridiculous. Consumers are being asked to hold for ONE To TWO hours. Experian is phishing consumers into purchasing a 7 day trial for {$1.00} with the idea that theyll be able to cancel. The aggravating extremely long hours of WAITING to cancel is causing consumers to be charged for the service. I honestly think that if Experian can not hire enough people to help get these ridiculous wait times down they should NOT be charging consumers {$29.00} a month. My card was charged today TWICE from Experian and I want a full refund ASAP. A class action lawsuit or some kind of penalty should be the way to handle XXXX and this PHISHING tactic.

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 monetary relief
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ON OR ABOUT, XX/XX/2017, YOUR CITIBANK D/B/A CITIGROUP OF XXXX XXXX, NEW YORK HAD WONGFULLY CLOSED TWO OF MY CITIBANK XXXX XXXX ACCOUNTS. THE FIRST CITIBANK XXXX XXXX AACOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE SECOND CITIBANK XXXX XXXX ACCOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE REASONS THAT WERE WRONGFULLY AND RACISTLY GIVING TO ME FOR THEIR CLOSING ( S ) WAS/WERE " ACCOUNT ( S ) INACTIVITY/INACTIVITIES ''. BECAUSE OF MY WELL KNOWN AND WELL DOCUMENTED XXXX RELIGIOUS BELIEFS, YOUR CITIBANK HAD TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY CLOSED MY TWO AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS AFTER REPEATEDLY REFUSING TO LIST MY COURT ORDERED NAME CHANGE OF " XXXX XXXX '' ON BOTH AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS. WITHOUT MY XXXX NAME BEING LEGALLY LISTED ON SAID TWO CITIBANK XXXX XXXX ACCOUNTS, I WAS UNWILLING AND/OR UNABLE TO USED EITHER ONE OF SAID XXXX XXXX AND/OR THE BOTH OF THEM!!!!!!!!!!!.

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 2021-05-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been told that the reason my claim was denied was one of two reasons an one was that i stated i said i was a victim of scam an gave my information. This is false an have never said anything claiming that. The one time i only stated anything close to that was when i made an example to the worker i was on the phone with who i clarified with him more than once that it was an example. He than to make it seem as if thats what happened when i kept having to defend myself that it was an example of what could happen but not what did happen. i brought up more theories and ideas to other workers an they never had a problem an understood i was just trying to give ideas. To know he used an example as a fact just shows the investigating you did on my account was not credible. To make it so easy for fraud to occur an with nothing to happen other than the customer having to pay double what he lost is beyond pro-consumer. I want a reinvestigation into my account an i also want to know what service provider i am using that you have because it seems two people cant have the same provider nor use a XXXX or a XXXX proxy to change the information coming from the phone. I was a victim of fraud and you guys are allowing your customer to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX dept of taxation waived my XXXX real estate taxes due to my age and having met the qualifications for the REAP program. On XX/XX/XXXX the taxes were returned to Carrington Mortgage for return to my escrow and then to me. As of today XX/XX/XXXX no one can tell me were my money is at. Can not seem to find any answers. Investigation started in XXXX due to complaints lodged and was to be completed by XX/XX/XXXX. XXXX Va confirmed that Check was received XX/XX/XXXX. As of the date of this filing I have received no answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: HABITAT FOR HUMANITY INTERNATIONAL, 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: Investigation took more than 30 days

Complaint:
Habitat for Humanity is still not reporting my mortgage payments. They have not reported payments from XXXX XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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: Account status incorrect

Complaint:
why are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reporting late 60, 90 days late onXX/XX/XXXX and XX/XX/XXXX? Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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 2022-03-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Apple Credit Card XXXX GS Bank USA refused to issue me a credit increase of {$1000.00}. So I asked for the minimum of {$200.00} increase in credit so I could buy a apple computer. These people say I am caring a a balance on my credit card. I have not. All the credit card transactions get paid normally XXXXen days or less after they clear the credit card company. These people also claimed they checked my credit history they did not. It never showed up on XXXX. I also explained to these people how much is in my bank account, what my credit score is of XXXX depends on which credit bureau you use. How I am also never late on a payment. How I pay my bills and my income level. Yet these people denied me credit to buy a computer from Apple Store. I also told them I how I was going to pay it off as well. I only been using the card to buy food because of the cash back feature. These people never properly looked over my credit history. They are being XXXX in there giving of credit because I am not a women of XXXX or a XXXX XXXX. Who they would give a credit increase in a heart beat. These people are biased against someone who makes a good living, who has money in the bank and never been late on a payment. My house is paid almost half way off as well. I am not a risk to give credit to for XXXX or less at the minimum XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2021 to present date Transunion and XXXX are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between XXXX and Transunion I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by Transunion :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by XXXX : XXXX 
The following ( 7 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC

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