BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX. I emailed my Bank M & T Bank that handles my mortgage to please send me a way to get my ex wife off the mortgage as I have bought her out of the house. They instead sent me a letter stating that I dont qualify as I had missed a payment in XX/XX/XXXX as I had a XXXX and wasnt get paid my XXXX yet and XX/XX/XXXX as my account was hacked and money was taking out. I made a partial payment and made up the rest in XX/XX/XXXX. I feel they are discriminating against as I am still recovering from my XXXX. Also they like that my ex wife set up a variable rate before she left. The divorce was final XX/XX/XXXX. And according to court orders I must take her off the mortgage and M & T bank is not allowing me to do so and they will make me in contempt of court if not or I will be forced to sell even thought I bought her out of the home. Thank you for your help

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 2020-12-07
Company: DM Motors
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 DM financing authorized a payment of {$230.00} to come out of my XXXX XXXX checking account without my consent after that I contacted my bank and they found that the payment on the XXXX came at a different time than all other payments and that it was processed at the store at XXXX two hrs and 2 mins before they are open to the public. My bank found that it was a frudulent charge and returned the money. Since then I got behind by 3 weeks of payments they sent a cobb letter but faild to send it ceritifed and wait the 30 days before doing any thing they then reoped the vechical on XX/XX/2020 and then gave only a 6hr time frame to retrive my stuff and as of today Monday XX/XX/XXXX they have not answered my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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: Old information reappears or never goes away

Complaint:
I have current Home Loan With XXXX XXXX This Mortgage Company Previously working under " XXXX XXXX  XXXX '' Old A/C # XXXX and new is same, also Mortgage company address is same. Just They Change NAME I request XXXX XXXX  company to remove old Account Name from My Credit Report. 
they sent request all Major Credit Bauru 's. XXXX  and XXXX Delete That Account from my credit file. But This Credit Agency since last three months did not reply or delete this account. i sent them more then 5 request by mail and one Certified mail conformation # XXXX dated XX/XX/2021 which they received on XX/XX/2021 its more then 30 days no reply no comply its a Violation of FCRA laws

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 2023-11-21
Company: CITY NATIONAL BANK
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We lived XXXX  & had City National Bank in XXXX credit card. Moved to XXXX in XXXX, kept the XXXX credit card. Used the CNB cr card until CNB sold some of their banks to XXXX XXXX XXXX around XXXX XXXX XXXX Just after the CNB cr card balance was transfered to XXXX XXXX XXXX  XXXX sent a vendor refund to us back to the closed CNB credit card used on the original XXXX payment. Since then we've received CNB cr card statements with a credit balance of {$41.00}. In XXXX I called the old CNB XXXX XXXX  XXXX Bank & asked that CNB pass the XXXX refund on to the new credit card at XXXX XXXX XXXX or a check refund direct to us in XXXX  They said they could not. We received a CNB {$41.00} ck dated XX/XX/XXXX with a letter, CNB refunding the credit balance on the closed cr card. XXXX deposited at our local bank but CNB claimed " non conforming image '' and wouldn't clear the check for our bank. Our bank charged us {$10.00} & reversed our {$41.00} deposit. I called CNB customer service number on the cr card statements and they said that was their error & we should redeposit their check. We did, and again CNB would not clear the check & our bank reversed the deposit & charged us another fee. CNB tried to print better refund cks, but they are not good enough to clear. CNB won't issue a DB card for the refund or electronic transfer direct to our bank. " Refund '' check expires XXXX CNB is in XXXX XXXX XXXX XXXX too far for us to drive from XXXX  to cash in person. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: National Recoveries, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
National Recoveries is sending me collection letters for a someone I dont know, and no one answers the phone at the number on their letter. Ive sent 3 requests to the email on their website to remove my name but the letters keep coming every few days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: CA
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:
I have never applied for credit and never submitted a auto loan application with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX On XX/XX/2019 I reviewed my 3 bureau credit report when I was alerted from Experian credit monitoring service there was an inquiry on my credit report. 

Inquirer name : Experian Report : XXXX/XXXX OF XXXX XXXX On XX/XX/2019 I called and spoke to Sales Manager XXXX XXXX and he said he would look into it and have yet to hear back. I have also placed numerous calls and left voice messages requesting a call back and resolution. 

Experian states that Inquires are not disputable.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 credit bureaus is in clear violation of code U.S Code $ 1681c-2 for not removing/ blocking the following fraudulent accounts reporting on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I did nothing they said there was nothing that can be done. I am filing this as i believe im owed part of the settlement they owe millions of people i have had account from XXXX  up until now.

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 2019-08-06
Company: BARCLAYS BANK DELAWARE
State: MS
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:
I submitted a dispute letter directly to the Barclays Bank regarding a hard inquiry submitted in XX/XX/XXXX that is reflecting on my XXXX and XXXX  credit reports that is unknown to me. I received a response letter from this creditor dated XX/XX/XXXX stating that the credit inquiry was the result of an application received via web for the XXXX card issued by Barclays Bank Delaware. I do not nor have I ever applied for a line of credit online with this Bank or any other institution nor have I ever had an account or credit card issued to me from this creditor. Nevertheless, it is still reflecting on my credit reports with XXXX and XXXX inaccurately. The final outcomes of the letter states " As a result, the inquiry is accurately reporting to the consumer reporting agencies '' which is false. I contacted the number listed on the letter regarding fraudulent activity on XX/XX/XXXX and spoke with a representative who was unable to locate a file on me. I would like for this matter to be looked into further and this inaccurate inquiry removed immediately. Thanking you in advance,

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 2017-11-16
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount out

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 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is still showing negative on my credit report when it is well after the seven years that it should be reporting. There are two of them both from Capital One, One is Capital One Auto Finance, the other one is a Capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This {$200.00} debt was for a medical bill that was paid in full in XXXX of 2020. Statement of the bill was received in XXXX of 2020 and the bill was paid. Radius Global refuses to remove it from the system so it continues to show up on my credit score as a negative impact. My credit score of XXXX is brought down to XXXX because of this. I am a XXXX constantly caring for others but human decency isnt shown for us. I had asked that Radius Global remove delete this from my file since I do not have anything else negatively impacting my credit and they refused. Because of this I am unable to refinance my home which would bring down my monthly mortgage payment so that I can afford other things for my children. I have requested that radius global remove/delete this from my account but they refuse. There is no reason to purposely hurt someone elses credit and cause them to struggle financially. Especially if the debt has been paid.

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 2020-12-07
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-02-14
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2005, I consolidated my student loans. At that time, the consolidated balance was {$87000.00} in principal ( as of XX/XX/2005 ). After an initial {$1000.00} payment, I have been paying {$520.00} every month for the past 150 months. The math on this is that I have paid {$78000.00} on the {$87000.00} loan. XXXX  sends monthly statements that a person has paid, but never the balance amount. Today, I contacted XXXX to see what the balance of the principal is. I was shocked to hear that {$66000.00} is the balance on the loan. XXXX states that all payments went only to the interest. XXXX represented to me on phone that all payments went to interest only and only a small amount to the principal. I was told that the loan will result in payments of {$180000.00} over the life of the loan that had a principal amount of {$87000.00}. This is XXXX!! How is this not usury?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, they are saying on their response to my first complaint that I did like they say because my address matches the one on the application. They are also calling me a liar in their own words and I am upset because that is very disrespectful and unprofessional coming from them. First thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose from me the consumer and thats what I am asking them to provide me with and it seems like they dont have it or dont feel like they have to provide me with it but the FCRA says that a creditor or user has to provide permissible purpose. The EXPERIAN website also states this and that is why I am including pictures to show them that they must provide me with what I am asking for, if this inquiry is not deleted from my credit file I will be calling the attorney generals office and if I have to I will place a small claims suit against XXXX XXXX  for false accusations and for reporting information on my credit file without permisible purpose. I dont want to know anything about what they think, all I want is for this to be deleted now. I dont have to prove anything to XXXX XXXX or any creditor, the creditor has to proof that I initiated this application for credit, in this case XXXX XXXX has to proof that I initiated this application.

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 2017-12-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do n't have any recollection of this debt. I sent a debt Validation letter to the collection agency and received no response. The letters were sent in XXXX XXXX. All I wanted was this debt to be remove from my credit report as I do not owe it! The amounts were {$210.00} from progressive, {$130.00} from The general insurance and {$220.00} from the general

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions 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:
Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX {$6200.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. 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 2023-08-06
Company: Experian Information Solutions Inc.
State: TX
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. I have contacted XXXX XXXXXXXX directly and provided police report, representatives were very rude and not helpful. Prior to this I have sent mutiple letters in regards to this issue. I have never had furniture with XXXX XXXXXXXX nor have I lived at XXXX XXXX XXXX. That address is also in my police report. This is in regards to account XXXX XXXX account 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 2021-04-28
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt had previously been removed by another company. I received a notice from elevate stating I owed a debt for a bill that was previously disputed and removed with another company. Letter stated I had 30 days to dispute the transaction. I sent elevate the following by certified mail in USPS. 


" XXXX XXXX XXXX, FL XX/XX/XXXX Elevate Recoveries , LLC XXXX XXXX XXXX Re : XXXX Dear Elevate Recoveries LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified a debt. 
I do not have any responsibility for the debt youre trying to collect and has previously been reported to Consumer Financial Protection Bureau. 

If you have good reason to believe that I am responsible for this debt, send me debt verification via mail with the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you have reported it to a credit bureau report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX " Elevate failed to provide information to verify this date and did not respond but instead reported negative collection agency. I disputed the collection on my XXXX report however elevate state it was a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information. These accounts are not mine no payment history nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/2021 I requested that XXXX, Equifax and XXXX send me a copy of my credit report and how they verified that accounts on my credit report. I believe that there are items being reported incorrectly on my report and I want to know how this account were verified and by who.

Company response to consumer: Closed with explanation