BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NV
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 purchased my triple credit report on XX/XX/XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor. 

It has several FCRA XXXX XXXX XXXXXXXX XXXX  & XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law. 

1. Date of Last Activity inconsistent/Inaccurate : XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX. Payment History : XXXX XXXX XXXXXXXX XXXX has been reported XXXX times on XXXX  but It was charged off one time. 
NO payment history on XXXX, it's inaccurate XXXX  XXXX  days late : XXXX XXXXXXXX, XXXX XXXX days late. 
This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XX/XX/XXXX, XXXX  No Date, XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Terms : Not Listed on XXXXXXXX XXXX  or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I submit letter ask about the problems on my credit report and have received a response

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 2015-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery Services called my home this XXXX before XXXXI had left the houseMy ( soon to be ) ex husband ( we are still legally married ) answered the phonethe Caller Identified herself as XXXX XXXX from Portfolio Recovery Services and asked my husband who he was, he answered " her Husband '' the debt is in my name only but she then proceeded to share all the information about the debt with him ... .. 
the account number - who it was owed to and the amountHe then texted me immediately and I called him - he had written all the info down and said she was more than happy to share all the info with him about the debtthis is a prohibited practice by Portfolio Recovery Services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind in my FHA mortgage due to unemployment and could not afford to make payments since XXXX XXXX. My servicer, M & T Bank, refused to accept partial/late payments so the missed payments continued to accrue. 
On XXXX XXXX, XXXX they sent me a letter saying I qualified for their special unemployment forbearance program. The requirements were as followed : - Sign the agreement - Pay {$25.00} due XXXX/XXXX/XXXX -Pay the total arrears, {$11000.00} to bring my account current on XXXX/XXXX/XXXX I signed the agreement and paid the {$25.00} forbearance payment in late XXXX XXXX, well before the XX/XX/XXXX deadline. 
I sent a certified check with a tracking number on XXXX/XXXX/XXXX for the rest of the money, {$11000.00}. My tracking number reports they received the check on XXXX/XXXX/XXXX. I called the bank on XX/XX/XXXX to let them know that the check was coming. At this time they told me that my home was already sent back to the foreclosure attorneys, it has a sale date of XXXX XXXX, XXXX and I would owe a new amount of {$11000.00} due by XXXX/XXXX/XXXX. 

I complained that my home should not have been sent to foreclosure before the XX/XX/XXXX date because I was still doing the forbearance plan and I followed through on the agreement to pay the {$11000.00} on time. They said they had the right to send my house back to foreclosure because I was late on my mortgage payments since I first fell behind in XXXX XXXX. I called them back today to inquire again and they said they rejected my check and sent it back to me on XXXX XXXX, XXXX. I am still waiting for the check in the mail, but I wanted to be caught up because I could resume monthly payments in XXXX XXXX if only they 'd honored their word and accepted the {$11000.00}. 
What is the point of any program if they can change the amount I owe right before it 's due and put my house into foreclosure even while I 'm participating in the program? This feels so unfair because I did what I agreed to do and worked very hard to catch up. It feels like they want to force me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On M & T Bank 's official website, it was offering a {$150.00} bonus when you open a MyChoice Checking account by XXXX XXXX, 2015. Since this is a public offer so there is no mailer required to open an account. I opened my account on XXXX,2015 and also set up the direct deposit with amount of {$100.00} to satisfy this bonus requirement. I sent a message to M & T bank online customer service to check my bonus status on XXXX XXXX, 2015. M & T bank 's CS confirmed that I am qualified for the bonus and all I need to do is wait for 90 days after the initial direct deposit which was XXXX,2015. 

I waited to XXXX XXXX, 2015 and I did not see any bonus on my account. Therefore, I messaged M & T bank CS again. To my surprise, the CS declined my request by saying I am not qualified and I need to have a mailer with the bonus to bring to a branch to verify my status. M & T bank always puts up this type of promotion on its official website and no mailer is required to open on account online. For example, if you go to XXXX, you can see the current promotion they are running. NO mailer is required. 

I strongly believe the customer service from M & T bank was lying to its customer and tried to avoid fulfilling the promise they made to award the bonus. I have attached the confirmation message sent from M & T confirming that I am qualified for the ongoing bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX was paid in full years ago. My insurance covered most of the amount and I paid the rest. I have cancelled checks to prove it. 

Last year they sold the amount I had already paid to a collection agency. I disputed it and it was removed from the credit reports. Now, today I am notified that they have sold the same amount to another Collection agency. My credit score dropped over XXXX points in one day. 

This affects my interest rates. Do I need an attorney? It can take months to resolve this and I will be paying higher interest until it is solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was debt free with a paid for house when I got married. My wife 's name never appeared on the deed to the house. Yet she fraudulently obtained a {$97000.00} loan from XXXX XXXX XXXX in 2007 by forging my name on the mortgage application. The notary seal is n't even on the same page as the signatures. I am currently making {$780.00} payments to M & T Bank. 
My wife took out several credit cards in my name and opened an account at a big box store. She also removed {$21000.00} from her XXXX retirement account without my required signature. In total she stole {$250000.00}. She was charged with identity theft and XXXX counts of credit card fraud. She pleaded guilty of identity theft and the other charges were dropped. In total she was ordered to pay me {$5000.00}. 
My divorce lawyer called me a liar concerning the mortgage fraud and continually told me to shut up and stop whining. I do not have the money for an appeal. I have filed a complaint with the Attorney Grievance Commission of Michigan but I am not optimistic on that course of action. 
Recently M & T Bank contacted me to offer a reduced mortgage rate loan to lower the 7.75 % I am currently paying. Then they told me that they could n't give me a loan because my credit is so terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a checking and savings account with M & T bank in XXXX. My account experienced some overdraft due to how M & T was posting ACH 's and due an unauthorized merchant charge in which an investigation was launched and M & T was sent correspondence that the charge was in fact not authorized by me. I have tried on multiple occasions to no avail to rectify this negative balance M & T says I owe to them of {$230.00} in overdraft fees. They have told me that there is nothing they can do I have to pay the money. I do n't owe this money no XXXX will help they will not allow me to speak to a manager. I need assistance in getting this account cleared. I received a refund check from M & T bank last year for another account due to a lawsuit so I do n't understand why they would issue me a refund but will not handle the issues with this account. Its very unsettling that no one at M & T will do anything to help me and they have acknowledged on several occasions that they received the correspondence from the merchant and that at the time the way my items were being posted was incorrect. Its just ridiculous how much the ball has been dropped on my account even at the branch I went to see a branch manager in XXXX XXXX, MD and she was going to work on this for me and never got back to me I called her for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I reached out to the company Midland funding after they took my tax refund. I didnt know about a debt I owed then after looking into it found that its not mine, I disclosed this to them numerous times since 2015 and still they have now decided to put negative marks on my credit report along with taking money they are not owed. But now that the debt is paid they still wont remove this off my report and wont tell me who it came from or what its from

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Atlantic Credit & Finance, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Account Number - XXXX To whom it may concern, This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone opened this account fraudulently my identity was stolen and yet this account has been reported to the credit bureaus and people have tried to collect on it .... i have filed a police report and an identity theft affidavit from the ftc ... this needs to be removed from your records and deleted from all reporting agencies that you have reported it too.

Company response to consumer: Closed
Consumer complaint received 2016-03-22
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I received a call from a place claiming to be ACS, I 'm currently up to date with my student loan payments so there is no reason for this harassment. They called from ( XXXX ) XXXX, they called yesterday twice. The woman on the phone fought me to introduce herself before finally saying XXXX from ACS. A company I have never heard of.

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 2016-02-24
Company: Receivables Management Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was notified by the credit bureau that XXXX XXXX XXXX XXXX has placed a " Derogatory Notice '' on my credit profile without prior notice. That affected my overall credit rating score. 

I have never been notified by XXXX XXXX XXXX XXXX XXXX about any outstanding debt. As soon as I have learned about it, I called the XXXX XXXX XXXX and I was told that I owe {$130.00} for a medical bill. 

I offered to pay the amount immediately, despite the fact that I have not received any notification or verification that I owe this amount. I asked for the " Derogatory Notice '' to be deleted from my profile. 
Company 's representative refused to do it and hang up the phone on me. 

I ended up speaking with XXXX other representatives who were not helpful as well. 

The amount of {$130.00} that I allegedly owe, I paid on-line the same day of the inquiry. 
I am requesting the " Derogatory Notice '' to be removed from my profile as I have never been notified of any outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
access to my account, online and otherwise, was blocked as the bank issued a new debit card which was sent to my old address. Not hearing from me, the card was inactivated and consequently my access to my accounts was blocked. As requested by the bank I sent a notarised letter requesting a change of address. Tracking shows the bank received this letter on XX/XX/2016. Not receiving the card at my new address, I called the bank who claimed they did not get the notarised letter ( tracking confirms they did ). I sent another notarised letter which they received on XX/XX/XXXX Still I have not received the card to restore access to my accounts. I have called around 10 times and i keep getting all kinds of excuses -- basically, XXXX keeps sending it back to them. I asked them for tracking to verify what they claim -- they have never given me a single one, they claim that the numbers were erased. The address that they are supposed to send the debit card is EXACTLY THE SAME as I get my credit cards/letters from ( they are from the same bank ) and I have NEVER had a problem receiving them here. So why has the bank sent this debit card some 6 times and it never reaches its destination? Why are n't they giving me a tracking number? This situation has created serious problems. I have important purchases to make and I can neither get cash, write a check or use a ccredit card as they are all linked to my debit card! They received my letter with change of address on XX/XX/XXXX -- 3 months later I am still without a card and desperate!

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 2015-04-30
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a completed application request for modification a year ago. And the company repeatedly marked the application as incomplete for vague and dishonest reasons. For example, they repeatedly marked marked that my income taxes as incomplete without and without a status which was not true. Eventually, they finally told me I didnt qualify for modification. Then they tell you they were still working on it. 

I filed a complaint with the agency in XX/XX/2022 to which they had 60 days to respond. They responded. Essentially, they stated that I needed a {$32000.00}, down payment to qualify. I dont have that and I wouldnt have had {$20000.00}, either - assuming they would made that offer a year ago. Due to the XXXX Pandemic XXXX units were vacant and severely damaged by tenants. I do have police reports. 

Specialized or at least certain employees never had intentions of trying to help. I can email CFPB every document that was sent to them as well as a screenshot of my account as to why the application was incomplete. I finally had to log on to understand what the issues were which was in my opinion intentionally vague. Please send a email link so that I can forward my proof and documentation. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I never opened a Credit Card with SYNC Bank. You have no signature from me indicating that i was consenting to the issuance of a Credit Card. This is a Fraudulent account and it must be taken off my account immediately. 
If i was the one who opened this account, where is the application and significant signature authorizing it? If you can't provide me these proofs, then you should relieve me of this burden and restore my account to how it was before this NIGHTMARE!

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 2015-09-01
Company: Direct Capital
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE SENT CREDIT BUREAU ASSOCIATES 3 REGISTERED LETTERS IN REGARDS TO AN UNKNOWN ACCOUT ( XXXX ) THEY HAVE PLACED ON MY CREDIT. TO DATE IT HAS BEEN 7 MONTHS AND THEY HAVE NOT RESPONDED TO ME BUT THEY STILL REPORT THE DEBT. I HAVE A POLICE REPORT ON FILE WITH THE XXXX POLICE DEPARTMENT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation