BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-09
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
MY son died in XX/XX/XXXX with student loans outstanding. I co signed 11 years ago and now I am XXXX years old and live on SS and small pension. I lost all savings in XX/XX/XXXX and had to sell all my property on a shot sale in XX/XX/XXXX. The payments on the loans will take me until I would be XXXX years old. Impossible. In addition the loans are not with the original bank and owed to AES and NCT a collection and servicing company. The school was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Originally got t his CareCredit Card to pay for unex pected doctor expenses. Used the card and had 1 year to pay off the card within the promotional period. I paid the card On time EVERY month and paid the card off within the year. I used the card in  XXXX  of   XXXX   for {$53.00} or so and paid that off as soon as the bill came in the mail in  XXXX . The card had a   XXXX   balance for a month and I got a letter in the mail telling me the account was closed due to my credit.   I am in the process of fixing my credit, it has gone up significantly since I opened this card over a year ago, to the tune of over  XXXX  points. Now for NO good reason they closed my account and dropped my score by  XXXX  points on at least  XXXX  of my credit reports.     I can understand denying someone an account based on credit but to approve someone and then close that acco  unt 18months later, an account that was paid on time and had a  XXXX  balance and whose owner has significantly improved her credit throughout that time is just unacceptable.
The information they have is also inaccurate, my score is higher than what is on the document that was sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed several requests with Experian to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Experian with having incorrect information removed from my credit file. I have also requested a copy of my credit report and attempted to dispute online and each time I attempted to upload the supporting documents based on the report number sent to me recently from Experian - XXXX, I am kicked out of the system an not allowed to go further. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to have these liens deleted from my credit report and other obsolete information they are reporting which has been over 7 years still on my file. They have extended their statutory limits which is an attempt to keep people bound. Please help me to resolve my credit reporting issues with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
got a phone call from gray cloud recovery XXXX claiming to be representing speedy cash. i called speedy cash and they do not have an account with XXXX. they asked for my debit card and also claimed garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax is not doing a proper investigation. They keep saying it is verified. I want to know who are they contacting with the creditor. Also they are not providing papers under the FCRA XXXX which they need to have to be able to report and item. Also they remove something and it gets reinserted without letting me know which is a Violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax keeps reinserting wrong addresses that was previously deleted after I spoke with several different representatives and was giving a confirmation number. I even sent them information via mail. The addresses was deleted months ago and within the pass two months have been reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
See attachment XXXX for a copy of my XXXX XXXX, XXXX Information Requests. See attachment XXXX for a copy of M & T Bank response letter dated XXXX XXXX, XXXX. 

The following complaints are in reference to the M & T Bank response letter dated XXXX XXXX, XXXX to my XXXX XXXX, XXXX Information Requests, by paragraph number : 1. M & T Bank makes a one day distinction between when they acknowledge delivery through the mail and when correspondence is considered " received for review. '' 2. There is no trust identified as XXXX XXXX filed with the SEC. 
3. M & T Bank failed to identify the investor, as requested, to which the Investor ID referred. 
4. On XXXX XXXX, XXXX, M & T Bank sent me a payment history from XXXX XXXX indicating that my loan had a balance of {$0.00} on XXXX/XXXX/XXXX. M & T Bank now represents that XXXX XXXX was not servicing my loan at that time. M & T Bank has failed to provide an accounting, as requested, of when and how my loan balance increased from {$0.00}. 
5. M & T Bank failed to identify who made material alterations to the security instrument and why it was necessary to record the altered security instrument after the original security instrument had already been recorded. 
6. M & T Bank continues to not answer my corresponding request. This will be my fourth request. I need to know the dollar amount that M & T bank has paid to any entities from the principal and interest payments that I have paid to M & T Bank. 
7. I asked if XXXX XXXX was an agent of the lender when Property Inspections were made at my residence. M & T Bank 's response did not answer my question, unless they are now representing that M & T Bank was the lender at those times. 
8. M & T Bank failed to provide document references for items that they identified as " other defaults. '' 9. My question was only about Servicers for my loan. M & T Bank did not answer my question, but instead responded with references to Master Servicers. I still need a accounting of the payment history from the Servicers previously identified by M & T Bank as the Servicers of my loan. I also need to know if my loan was in default on the date that XXXX XXXX XXXX started servicing it. 
10. I asked a question about lender ( s ). M & T Bank responded with a statement about a Servicer. 
11. I asked a question about whether my loan was in default on the date M & T Bank started to service it. M & T Bank failed to address the " default '' question. 
12. M & T Bank failed to provide me with a copy of their initial communication to me concerning a debt. They also failed to identify the current and initial creditor on the debt. 

M & T Bank has failed to provide me with a chronologically consecutive payment history for my loan. There are at least XXXX gaps in the payment history records that M & T Bank has provided me. Those gaps make the mathematical accuracy of all calculations subsequent to those gaps indeterminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed on XX/XX/XXXX by M & T Bank. I had a " Get Started Loan '' with them I found information that they have a law suit against them with this same kind of loan and during the time my home was in foreclosure the lawyers that was handling case also had a law suit against them and I was not notified of this information, only that they changed there name, XXXX XXXX XXXX now The XXXX XXXX XXXX. I am asking for my loan to be looked into from XX/XX/XXXX to XX/XX/XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I properly requested via Certified Mail a description of the procedure used to determine the accuracy and completeness in which Equifax had used to verify a disputed tradeline ( attached ). Equifax refused to provide information on how the tradeline was verified, nor did they include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher per FCRA 611 ( a ) ( 6 ) ( b ) ( iii ). Equifax 's response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX sent XXXX phone bills to collection which is XXXX that does not belong to me and is under someone elses name in XXXX XXXX oklahoma at the time it was made i was living in XXXX they want rent receipts and i live in a XXXX so when i moved to XXXX in 2012 i threw all my old receipts out not thinking i would need them. i have never had phone service with XXXX i have used prepaid phones for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX 2015, XXXX XXXX, XXXX XXXX in error pulled my credit 7 times to purchase a car for my XXXX adult daughter. Ask them to only pull twice, because I could use XXXX XXXX XXXX & I was going to purchase a property 6 months. The New General Manager, XXXX XXXX at area code XXXX XXXX XXXX XXXX XXXX provided a letter explaining the error a month ago after a year and a half of trying to have some of them removed, however Equifax has refused to remove any of the inquires. Doing the hard pulls, Equifax dropped by credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called Bank of America on XX/XX/2022 to dispute a fraudulent change on my credit card for XXXX for {$130.00} that was showing as pending. The charge posted to my account on XX/XX/2022 and appears on my statement as such. 

The service agent assured me that the charge would be investigated as fraudulent if and when it posted to the account. 

I received a claim resolution letter dated XX/XX/2022 that states the charge never posted and that my claim is being resolved with no action taken. 

This is incorrect as the charge still appears on my statement. I am not nor have I ever been a customer of XXXX and did not know what this company was until I saw this fraudulent charge. I was not issued a temporary credit while the claim was investigated and the resolution of my claim is factually incorrect, the fraudulent change remains on my statement despite my claim being resolved for {$0.00} with a letter that it never posted to the account. ( reference claim number XXXX. 

The handling of my claim has been and remains in breach of regulation E of the CFPB and Bank of America failed in it's responsibility to investigate reported fraud. Even now when I attempt to dispute the charge online I am told to call, only to be told that service is unavailable when I attempt to reach Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-13
Company: Experian Information Solutions Inc.
State: NJ
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:
All my attempts to correct my billing address with XXXX XXXX XXXX failed. as a result a bill for {$47.00} was lost or sent to the incorrect address. XXXX XXXX XXXX is my utility company and i have 3 accounts with them for the last 20 years. a simple search by them to get in touch with me is all what was needed. they turn it to a collection agency XXXX XXXX. and they put it on my credit report. when i found out i immediately paid it but the two company 's refused to take it off 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 2022-04-19
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting Act, XXXX  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 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

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 2022-04-19
Company: SLM CORPORATION
State: NV
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 spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent Wells Fargo account was opened in my name. I have disputed the account with Wells Fargo for a years time. Wells Fargo failed to provide any documentation proving I set up this fraudulent account. No signed contract, no request for the account to the set up. No documentation whatsoever to prove this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting actXXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: The CBE Group, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX has been calling my daughter repeatedly. She lives in Arizona and they have been calling her around XXXX am almost daily for at least the last month. She called the company today and they were calling about a debt that I owe. I have never heard of this company and I have never received information about a debt from them.

Company response to consumer: Closed with explanation