BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently completed a loan modification with M & T bank. I was made to believe that the modification was for total amount owed on the loan. The deed of trust i signed had no mention of a subordinate 2nd loan which throughout they had failed to disclose. In recent communication M & T bank stated they do not have to disclose to the customer the total debt. So me as a borrower was not informed therefore unable to make a informed decision about the modification and subsequent balloon payment at the end of the loan term.

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 2016-02-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax has reinserted an incorrect item for the third time. Case XXXX, Was removed XX/XX/XXXX, reinserted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Allegedly, the servicing of my private student loan with XXXX has been transferred to FirstMark Services. Prior to the transfer, I had been current with XXXX and was promised an interest rate discount for making all payments timely. At the time of transfer to FirstMark ( approximately middle of XXXX 2016 ), I had asked both FirstMark and XXXX for a copy of my promissory note ( s ) for which they seek collection on to ensure that my interest rate discount had continued and so I could review the terms thereof. XXXX said I should call FirstMark. FirstMark said they did not have a copy of the note and they were waiting from XXXX. I have continually asked FirstMark over the last 3 months for a copy of the note and each time they have said they are waiting on it from XXXX. Additionally, FirstMark has said that under the agreement with XXXX that XXXX has additional time to provide the note to FirstMark. I am not a party to the FirstMark/XXXX agreement. I have waited 3 months to simply receive a copy of my promissory note which FirstMark has refused to provide or even give me voluntary updates. I have continued to pay FirstMark on their representation that they actually have the right to collect under my promissory note. However, I am growing increasingly skeptical of whether they have the legal right to collect under my note. At this juncture, in addition to this complaint to the CFPB, I am evaluating all legal remedies under the FDCPA and related state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from American Education Services for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XXXX XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XXXX XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " XXXX XXXX XXXX '' I had never received notification from XXXX that they were collecting a debt. I called XXXX and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to XXXX that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to XXXX to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with AES ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe XXXX XXXX is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
dual tracking ... .. bank of America is attempting to foreclose on the home without a court date i have submitted all of the paperwork to the bank and they are trying to keep the sales date and prolong the process without contacting me ... .. fraudulent deeds were submitted .... payment history that only dates back to XX/XX/XXXX ... .. bank of America is illegally attempting to extort extra money for this home .... a sales date of XX/XX/XXXX is set without going to court

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 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has had my account under review since XX/XX/2020. I can not access my SBA loan due to review. I currently have {$83000.00} frozen in Bank of America. If funds are not released soon I could go out of business.

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 2020-01-03
Company: Bread Financial Holdings, Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to Equifax on numerous occasions telling them that I can't access my credit profile and am in the middle of trying to obtain a mortgage. They claim that there isn't an error on their end. My loan officer attempted to pull my credit with Equifax on Saturday XX/XX/19 and stated that he received an error as well. Equifax is preventing my mortgage lender for accessing my file, although they claim their isn't a freeze. My lender, nor myself can access my Equifax file and this has been an issue for almost a month. No one in the customer service department has been able to assist me. I have attempted to escalate this matter with Equifax, but to my demise, my credit profile is still not accessible.My file needs to be accessible to any creditor and myself as soon as possible. Unfortunately if my lender is unable to pull all three of my credit profiles, they can not move forward with my mortgage application. This is causing a great amount of inconvenience and grief on my end. Please have Equifax make my credit profile accessible immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
On XX/XX/2022 I requested that XXXX XXXX discontinue reporting this fraudulent revolving account to my credit report. I have never requested or obtained credit from XXXX XXXX or any factoring company, nor am I liable for any debt. In addition, I contacted XXXX, XXXX, and Experian Credit Bureaus to dispute and delete this fraudulent account and any inaccurate information being reported. To date there has been no change or response. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.

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 2022-01-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with signing the paperwork

Complaint:
Iam the consignor on my sons private student loan. He has applied and received forbearance on a couple of occasions this past year. I was never informed, or requested my approval ( since Iam on the hook ) for accepting the forbearance. I only receive an e mail approving the loan. This will cause an additional increase due to the loan is still accruing interest. Is the lender allowed to approve this without my consent also? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-09-06
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 I noticed a collection on my credited report from Sentry Recovery & Collections for two different amounts {$1100.00} and {$1100.00}. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency TRANSUNION, XXXX, AND XXXX about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.XXXX XXXX XXXX XXXX XXXX, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2015-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Bank, XXXX XXXX XXXX XXXX had notified Equifax and other credit agencies that XXXX made an error on customers account and reversed negative late payment history in XX/XX/XXXX. Equifax and others had not corrected customer history so customer disputed again in XX/XX/XXXX. XXXX too re-notified Equifax and still they did not remove disputed error. XXXX operators at Equifax were unhelpful and unable to assist and just kept offering to send a free report. In the meantime, my credit history had been ruined..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Sunday, XX/XX/2020 I received a notice that FNBO was going to a 2 factor auth process for logging into their website in order to make payments on their credit card. Because of my XXXX of XXXX I am unable to receive the 2 factor call, since I use that landline phone for dial up internet access. Even if I disconnect to receive the call, and reconnect afterwards I can not HEAR the call in order to be able to enter the 2 factor number that is read by the system. I can not use text, as I do not have a mobile phone, since I can not hear, nor is there any service at my residence. FNBO suggested using an email instead. However, FNBO 's email is loaded with graphics and takes more than 10 minutes to download. FNBO has a 10 minute timer on its site, so this is not an option either, as I will be locked out before the email with the code can be downloaded. 

I have called FNBO twice, including tonight, the last possible day before I will be unable to log on due to the NEW 2FA policy, and they claim they can not waive it at all. 

Normally, I would quit such a business that does not handle my XXXX, but I will take a credit score hit for doing so. I have went back to paper statements, and do not want to have to go to paper checks when I have been paying them online for years, and only because of the policy change on XX/XX/2020 am I being prevented from using their online payment service. 

I ask that FNBO provide a reasonable accommodation for my XXXX in order to be able to continue to use the FNBO credit card as I have been doing for the last couple of years. I have NEVER forgotten the password, nor had it hacked. 

FBNO has claimed their process is " industry standard '', but NONE of my more than 20 cards from many issuers that I have require this process. In fact, the account worked perfect until FBNO decided to change their policy in regard to online log in to 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 2020-08-05
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I got a new phone and have no way to authenticate and get signed in to my Venmo account. I have contacted Venmo countless times via email per their online instructions, but I have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: General Motors Financial Company, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed. 
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession. 

Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation