BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: M&T BANK CORPORATION
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: Account information incorrect

Complaint:
I issued a standard billpay to be sent from XXXX to an M & T RV Loan due to arrive XX/XX/2021 as I have done before. Then as XX/XX/XXXX approached, the billpay had not cleared. 

XXXX confirmed the check was cut and sent on time. I called M & T and they stated there was a XXXX delay and lots of billpay checks were late. They were aware, they waived the late fee ( as shown in the attachment ) and assured me it would NOT affect my credit. 

On XX/XX/2021, I put a stop pay on the XXXX billpay check ( PER M & T 's REQUEST ) and paid the amount directly to M & T. 

Once again they assured me it was not my fault and it would not affect my credit. 
Well it DID affect my credit resulting in a 150 point drop and the reduction of at least 3 credit lines. I called M & T and they told me sorry nothing they could do, take it up with the credit bureaus. Thus far, the credit bureau disputes I have submitted have not fixed the issue. My credit and credit lines were massively hit and no one will correct this. I was not late and M & T ASSURED me this was not my fault and there would be no penalty for 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 non-monetary relief
Consumer complaint received 2022-08-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
This company uses harassing tactics to obtain payment. They call repeatedly during the day. They have called me in excess of 8 times on a sunday. They even harass on holidays. They agreed to change my due date for my repayment schedule and it was never adjusted. The company stated they only extended a courtesy for that time being. Which was completely false. An associate clearly asked me was there a better day throughout the month that would be easier for me to make my payment. I replied yes. We both agreed on the XXXX of the month. When I brought this up on one of their numerous harassing phone conversations they refused to pull this particular call and I was told that was only a one time courtesy, which was false. They called me 6 times on the XX/XX/22. I receive up to an excess of XXXX calls from them daily and these calls begin on the XXXX of the month before what would normally be considered close of business, XXXX pm and continue every single day until payment is made. They wont even give it XXXX hours after payment is due to begin to call. This is causing undue stress and Im in the process of obtaining legal representation to stop this harassment.

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 2018-03-03
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 information incorrect

Complaint:
This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, equifax XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, equifax XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to equifax. I started making payment beginning XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my current credit files it seems to be a decrepency via an account inwhich allued me to believe someone must at some point used my identity to forge such an manipulation. Now I'm demanding that this account not only be removed but blocked as well. 

1 ) ; XXXX XXXX XXXX {$120.00}

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 2018-03-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have tried and tried to get another credit card from american express over and over and since i complained before i have been shot down absolutely ever time. i do believe I'm being singled out and discriminated against. i would like the cfpb to investigation and back my lawsuit against american express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent Certified Letters dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 disputing a claim I have an {$1600.00} charge-off. Requested Midland Credit Management , Inc. ( a.k.a. Midland Funding LLC ) provide " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midland. Additionally, provide the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they " verified '' without any proof, bearing my signature. Requested, in each certified letter, a copy of any documents, bearing my signature, showing that I have a legally binding contract to pay Midland the  alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX I had a long phone call with a customer service representative about my " new '' monthly payments. I informed the customer service lady that I was unable to pay the extreme amount of {$400.00} on my monthly loan. The customer service lady told me I had no other choice but to pay that. She told me that, that was the " current '' lowest monthly payment. However, I've been paying on my school loan since XXXX and the payment was {$220.00} a month. I currently have five loans to pay for. I have been paying for them on time. But someone once I finished paying one loan since it was a tiny loan, my monthly payments go up to {$400.00}. I have repeated asked them if I can lower the payments because I can not afford anything else besides these loans. I thought they were going to help me figure out a better solution to pay for them, like a payment that I can afford. Till this day my payments have gone up to {$460.00}. I have no where else to turn too. This is extremely hard to not be able to afford food because Sallie Mae will not lower my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Regarding Paypal , Inc . 

On XX/XX/2017, two colleagues transferred funds to me to pay for a gift for our boss. One person had an XXXX name, the other an XXXX ( XXXX ) name and the funds were for a XXXX gift. The company processed and disbursed the funds from the XXXX co-worker but confiscated the funds from the Christian-named coworker. 

The company website states that " pending '' funds will be available in 21 days. I waited this time but nothing happened. I began calling, but none of the representatives were able to help and/or were instructed not to help. I continued calling, but nothing. 

The company has clearly violated my rights by choosing ethnicities from which to confiscate funds. In addition, they have borrowed from me without authorization. 

I would like a full explanation of what happened and why they refused to resolve this transaction in a timely manner. Also, they should make me whole for the confiscation and unauthrized borrowing of my funds and the banking problems this resulted in. 

The company should be more transparent they at times they borrow funds from your account for lengthy periods of time without your authorization. 

Lastly, the company should be more clear on their website and materials as to which races and ethnicities they apply different standards to. Please make public how the treatment is different for people based on their name and perceived religion and background.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: EULER HERMES UMA, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I own a small restaurant that is a single member LLC. I was a COD customer for a local food company. The food company made a claim that I owe {$15000.00}. in a personal guarantee debt. I have disputed and provided documents to the local food company of payment. They have turned the debt over to a collection agency. I have communicated numerous times with the collection company and provided documentation showing their accounting errors and that the debt is not owed. I have also retained legal counsel and advised both parties. The debt collection company continue to harass me and my staff. I have advised them in writing no t to contact me and provided them with my legal counsels information and that I will follow legal advice. I have also, through my attorney, filed a suit in my home county against the food service company asking for a declarative judgement of any monies owed to them or me and for damages done to my business. The collection agency and the food service company have been served by the court these documents. The debt collection company still continues to harass me and my staff and acknowledges that they did get served but that I probably made that up. The harassment has cost me financially, and is damaging my business. It is making me sick and causing me undue stress. I have taken action to ask the court to decide if the money is owed, The harassment is non stop tying up my business and personal phone lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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:
BECU has been more than difficult to work with on these erroneous late payments. Ive filed a dispute claim with them already using XXXX XXXX and so far havent heard back. The way the account works is I can only pay my auto loan through the BECU account. Usually they move my funds between accounts themselves to settle the loan. In these instances where I was reported late they didnt bother to do that. At no point, was there any communication with me as to when the payment was due or what the actual amount of my payment is. Their apps and websites show inconsistent funds ( I believe they pull from different systems ), and on top of that, nothing on their app tells me payment dates, or amounts. With a perfect payment history on all of my credit trade lines, I would hope you can see that this is an error on the creditors part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account with Citibank 's branch in XXXX in XXXX in mid XXXX, where I was promised free checks to be made available as a part of the account opening. No checks were sent to me for 5 weeks. I tried weekly to get a hold of the customer representative who opened the account, to no avail. I assume the branch has been closed due to COVID-19 but have no way of finding out as I don't live in XXXX. 

I tried tried contacting customer service representative twice and was put on hold indefinitely without any response. Being without checks for almost 2 months I went on the company 's website and found there was an order checks option. I chose it and it gave an option for 1 or 4 boxes. I chose 1 and proceeded to submit. No dollar cost was given, so I assumed it was handled without a cost. Following 1 more week without any checks, I again went on their website and chose to print again, this time for 4 boxes. Again, it did not mention any costs. I submitted for printing to be done. 

This week I was sent 4 check boxes, and my account my charged {$100.00} without any prior indication of the costs. I contacted customer support, and was finally able to speak to a representative who said he could not reverse the costs, but I should go to my closest branch with the checks and get reimbursed. I went in today and explained the story and was told they can not reimburse as they are not the branch with the account. 

I expect the charge to be reimbursed as it was promised for free and after 2 months, no checks were ever given and the printing costs were never disclosed by Citibank. 

I have emails from the customer representative until the opening of the account and promise to provide free checks, made by 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 monetary relief
Consumer complaint received 2017-08-03
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 fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX failed at my loan modification and my loan refinancing. Credit report went from XXXX to XXXX. Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a XXXX credit score to refinance. It was XXXX when I first applied for a loan refinancing. After 130 days it failed.

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 2020-08-31
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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: Account status incorrect

Complaint:
I was current on my car payment before I reached out to XXXX and asked for a payment accommodation due to XXXX XXXX XXXX which was granted by XXXX, I was surprised when I check my credit report and XXXX still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )

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 2020-09-08
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

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 2018-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is attempting to foreclose on my property with fraudulent robo signed assignments. I have asked debt validation, and sent 2 QWR. I have not received a response from either. The assignment are fraudulent and fraud can not be the basis of obtain a deed ; therefore, the notice under power of sale is fraud and cant be used to conduct a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the account, XXXX which was assumed by Transworld Systems Inc. I contacted the Transworld System in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XX/XX/2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-03-03
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a bill from XXXX XXXX for the amount of {$420.00}. As I don't have XXXX XXXX I immediately called them and asked for a copy of the signed contract with my signature on it. They claimed they would be sending to me within 5 business days and my " account '' would be on hold for until I received it. It never came. Shocking I know. So I called again repeatedly and asked for the same information. A simple verification of the debt. I still have yet to receive this. Then on XX/XX/XXXX I receive a letter in the mail from Diversified Consultants, INC. in the amount of {$420.00} with the original creditor listed as XXXX XXXX. This is a complete outrage, and definitely against the law!! I feel sure this will end up on my credit report next month so I demand you do something about these unfair and downright illegal practices! 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International, representing XXXX XXXX XXXX, is reporting that I owe their client {$3300.00}. This is false. 

I called them and they told me to dispute this with the three credit bureaus and have them deal with it. It refused to acknowledge any responsibility even after I submitted the last four of my ss number ( XXXX ). 

I respectively submit this complaint and ask that the reported account be removed AND that IQ Data is  reported as being uncooperative.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief