BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
In XXXX, my mortgage was taken over by M & T bank. The mortgage bills comes from XXXX. I have paid each month by on-line banking. The address for XXXX according to the bill is XXXX XXXX XXXX XXXX, Texas. For three years, I have never been late on a payment and have always rounded up on my payments. Everything was worked will until XXXX, XXXX. I received a notice in XXXX that said I had not paid my mortgage for the last two months. I looked on line and I had paid both XXXX and XXXX payments. I contacted my bank, XXXX  XXXX XXXX and asked why payments had not gone through and they verified that payment was sent to the address above on XXXX and XXXX. I contacted M & T Bank and they responded they had not sent it. I verified the address which is on the bill and I was told that was not the address it should be sent to. Instead it should be sent to XXXX XXXX XXXX, XXXX, MD. When I looked at the bill, the tear off portion of the bill had the XXXX address. When I told him the bank had sent the payments to the previous address, the customer service rep said something to the fact I don't know but it's the wrong address. XXXX XXXX XXXXXXXX also sent a letter to M & T Bank explaining the process of the payment to the XXXX address. 

Another payment of {$2200.00} was sent on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter saying that my payment was delinquent and I owed XXXX {$1000.00} and XXXX {$1000.00} plus my current month of {$1000.00}. 

Since there was confusion with my on-line banking I wrote a check on XX/XX/XXXX for {$2200.00} which was cashed by M & T Bank on XX/XX/XXXX and I wrote another check on XX/XX/XXXX for {$1100.00} which was cashed by M & T Bank on XX/XX/XXXX. According to the bank I owed a total of {$3200.00} with late fees which I never was late. I paid a total of {$3300.00}. 

On XXXX, I received a letter from M & T Bank saying I had defaulted on my loan. However, I am in total disagreement and have paid. I'm not sure why the previous three years there were no issues and now they can't receive my payments, even after they have cashed the checks.

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 2023-07-28
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax XXXX XXXX XXXX Opened XXXX XXXX XXXX  XXXX XXXX opened XXXX XXXX XXXX XXXX opened XX/XX/ I've called these company numerous of times, asking if I could get this company to remove this collection off of my credit due to a financial hardship and informing the collection I did not have any knowledge of these companies..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian will not allow me to freeze my credit report online or by phone. They want me to mail my request, including my name, address, social security number, copy of driver 's license, and copy of utility bill ( everything someone would require to steal my identity ). Interestingly, they will allow me to " lock '' my credit report online if I PAY them and subscribe to their Identity Theft Protection for {$19.00} per month. I was able to freeze my credit report with both XX/XX/XXXXand XX/XX/XXXXonline with no problems. Also, I have frozen and unfrozen my credit report at Experian in the past online. I have been living at my address for 7 years. I regularly check my credit reports, including Experian, and I entered the information online the same as it appears on my credit report. There have been no changes to my credit report, such as address, for several years which would require me to verify my identity for Experian. The law requires credit bureaus to freeze credit files within one hour if requested online or by phone. I believe Experian is knowingly violating this law to make it harder for consumers to place a FREE credit freeze, trying to get them to PAY THEM to " lock '' their credit report.. I do not feel comfortable mailing my personal information and should not have to do this to freeze 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 explanation
Consumer complaint received 2023-09-05
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I asked Fay Servicing to close my escrow account several times since XX/XX/XXXX. I have always paid all property taxes on my own as required of me by the " home equity line of credit '' contract I signed in XXXX. 
I paid the XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX taxes. Fay keeps charging me for property taxes they did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Experian Information Solutions 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:
This is my second complaint to the CFPB in as many months. I am a victim of Identity theft and there has is negative information documented erroneously in the file Experian maintains under my Social Security number. Upon reviewing an updated copy of my credit report, I see the aforementioned accounts which were not authorized by me either was I a beneficiary of any usage or services from the lenders listed. I challenge the accuracy, compliance and reportability of these listings. Please delete these accounts as fraudulent, unauthorized and are not bearing my original signature. I formally dispute and request that this information be immediately deleted from the credit file Experian maintains under my Social Security number. Please note that I have the right to dispute and request this deletion of the identified accounts per FCRA sub section 605b and I requested full proof in the aforementioned structure, as per the FCRA Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of Experian 's actions, including thereMethod of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 4 business days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Endorsement 3. ) Identity Fraud 4. ) Violations of the Fair Credit Reporting Act Section 605b, Section 609, Section 611

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}

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 non-monetary relief
Consumer complaint received 2022-10-20
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:
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 corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Last year, im a XXXX of XXXX XXXX, i went to college. my social security and id were missing at the time. i reported a credit account. I thought that the fees and interest were going to go away as i said it wasnt I. That wasnt the ase they did stop the interest but i have school loans also so thats dropping my credit along with an account i didnt open or use. I didnt ask or sign up for anything personally this was done online like the company reported back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: VA
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:
ear Sir or Madam : I am concerned about the validity and accuracy of XXXX XXXX recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX  XXXX {$9000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$6700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$7200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF  EDUCATION/XXXX  XXXX {$6600.00} XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XXXX {$560.00} XX/XX/XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. XXXX  stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED  ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my 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 2018-02-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We financed our home with First Citizens Bank ( then XXXX   XXXX XXXX ) in XXXX. We originally signed a 20 year loan that would balloon every five years. We have been notified of time to renew and completed the process seamlessly until now. I paid my XXXX and XXXX mortgage payment at the local branch XXXX XXXX, GA ) and no one there mentioned that the loan had matured and was time to renew. We also received no letters or other types of correspondence from the bank. It was only after I got a letter in the mail in XXXX that stated we could possibly go to foreclosure that I called the bank to inquire as to why since we haven't missed a payment. I spoke with XXXX XXXX ( the branch manager at XXXX ) on XX/XX/XXXX. I was then told the loan was up for renewal in XXXX. Now in-spite of NOT missing payments and reaching out to the bank myself instead of them to me, we have been sent to the loss mitigation department where they will not guarantee a renewal of the loan. I spoke with XXXX at the XXXX, GA office several times this week ( the most current being yesterday XX/XX/XXXX ). She is the one who informed me of loss mitigation and fwd me an email in regard to what was needed to try to keep our home. It is also reporting to the credit bureaus that we are late on XXXX and XXXX payment. First Citizens really dropped the ball on communication with this and are now threatening to take our home and hurting our credit more in the process. We haven't defaulted in any way other than to not renew on time when we were not even aware it was time to renew. I called again today and spoke with XXXX in the loss mitigation department and she informed me they can't guarantee they will approve us to keep our home or renew the current loan and it's " different now ''. I explained we had no idea about the renewal time and received no information on it. She basically informed me it doesn't matter, it's too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The account was opened online with a {$50.00} deposit from an existing account with Capital one, then a check was deposited. Later Capital one said they were closing it, but they did not issue me a check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get frequent calls from collection agency every day sometimes twice a day every day of the week including sundays. I have answered the call more than once. They state the line is being recorded they ask my name & I verify. Then they ask whats my address. I am not comfortable verifying that because no one says who they are calling for who they work for what is the matter regarding until I verify my address. I have asked to be removed off the call list since a lawsuit has already been placed against me & the calls keep coming. I have blocked numerous numbers from the agency but they find another number to contact me from. This is harassment Ive told them several times I am unemployed & If I did get my hands on money I need it to SURVIVE but the basic needs like food to keep a roof over my head & the agent rudely says well you shouldnt have used the credit card if you couldnt pay us back. The people who are constantly calling when I do answer have no manners are rude and have no sympathy towards people who are struggling. The only peace I get is when I can not afford to pay my {$30.00} phone plan and the calls arent coming in. I just want to stop being harassed. They have already set a civil suit against me for XXXX 2020 why must you still contact me twice a day ( back to back ) for a week straight. As early as XXXX & as late as XXXX to ensure their within the legal tome frame. But these excessive calls have got to be harassment.

Company response to consumer: Closed with non-monetary relief