BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the past few years, we have had a difficult time paying our Mortgage with Hudson City Bank due to loss of employment. Note : Hudson City does not fall under the US HARP program. During this time, Hudson City would not lower our mortgage interest rate despite numerous attempts to work with them. We also requested help from other financial institutions, but as we were current on our mortgage we could not qualify. Due to this situation, we could not be current on both our taxes and our mortgage. Over the course of a few years, we regained stable employment and our incomes have increased and however, Hudson City rolled our back taxes into our mortgage and rendered the monthly mortgage payment impossible to pay, despite the fact that we can now pay our taxes plus mortgage and a small portion of our back taxes. With new funds now coming in and increased salaries, we can make it work, but not under this new monthly payment. We attempted to send our mortgage payment + taxes into Hudson City, and they refused to accept this payment as they deemed it partial. Our actual mortgage was {$2200.00} our taxes appx {$900.00}, our check was for {$3300.00}. We are desperate for a resolution, be it rolling the back taxes into the final sale of the house, lowering the interest rate of the mortgage, or longer terms ... every time we discuss this with Hudson City Bank, each person states that it is not their department. We can not get to the correct department to find a resolution to this problem. We now will have to spend money seeking legal counsel for a foreclosure lawyer, rather than this bank working with us to assist in a better solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: WA
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:
The are a few inaccurate accounts with adresses i do not reside in. 
a few accounts are paid off and there still holding my information in accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I paid this off, discover credit card ya dig, and they still wan na kick me down when I'm trying to get up n even advance myself as a XXXX man or lowercase XXXX. They have given nothing but discombobulating answers to my questions as of why I paid but they won't take this off of my credit report. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: RIA FINANCIAL
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I submitted XXXX transfers to RIA Financial Services totaling {$3300.00} to my friend in XXXX, recipient of previous transfers from me. RIA Financial Services called to ask if I was XXXX. I refused to answer, because any acceptance or denial of service on their part based on my ethnicity or national origin would be per se discriminatory. RIA subsequently cancelled my my XXXX transfers, using as justification the fact that I was n't XXXX, and they only work with " family assistance. '' I am complaining that I was discriminated against due to my race, ethnicity and family origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Pacific Union Financial, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are current customers of Pacific Union Financial and had previously done a purchase and refi with them. XXXX XXXX we wanted to take advantage of lowering our rate. We started the process then and are now as of XXXX XXXX XXXX still in this refi process. Our file has been passed around numerous times. It took them 1 month to review and sign off our appraisal. I emailed a processor and it took almost 3 weeks to get a call back from the company at which point we found out the processor no longer worked there. And amid all of this we keep getting charge rate extensions for something that is not our fault. If the company would have been doing their job and following up on customers files when a processor quit our loan would have been closed in XXXX or XXXX with our rate at XXXX and no discount points. Now we are in XXXX XXXX, rates have worsened and the company is passing on all of the rate extensions on to us. This was not our fault. The company should cover this and credit us as they are the ones who have been dragging their feet closing a simple refinance. Loan started with XXXX XXXX on XXXX/XXXX/XXXX. We got a processor assigned XXXX/XXXX/XXXX not sure why it took a month for that. Appraisal was done XXXX/XXXX/XXXX but not signed off until XXXX, almost another 30 days. Then the processor XXXX was no longer with the company as of XXXX. XXXX/XXXX/XXXX was the last email we received from her and then we received an email from another processor XXXX/XXXX/XXXX, almost another month. This is very frustrating and not how a customer should be treated. All we want to do is close the loan with the terms they promised us when we started this process. All of their delays are now making us have to come in with an outrageous amount for closing costs because they keep charging us extensions for their terrible service. This is unethical and not a best practice for a mortgage company. They are adding the extension that now total up to {$9100.00} for discount points due to their own errors and delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered in XXXX 2014 that my social security number had been used to open various accounts and attempted to open other lines of credit ( i.e. Credit cards, checking accounts ). A XXXX utility bill and a XXXX internet cable bill were opening in my name, also a bank account through XXXX bank and XXXX Bank. The local police department contacted me and stated they had found a credit card, a duplicate of my driver 's license, and a XXXX bill in my ex husband 's ( who Ive been divorced from for XXXX years ) house while searching it on a warrant. I have been the victim of identity theft, the perpetrator has not been prosecuted although police reports have been filed. I have lost work wages trying to dispute and fix the issue while my credit is now ruined. I placed fraud alerts on my credit bureau accounts and disputed the fraudulent accounts. I have not received responses from any credit bureau and the fraudulent accounts are still on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The item with XXXX XXXX was deleted from my XXXX credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

XXXX, Experian and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA on the following counts : 1 ) Neither Experian, XXXX nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) XXXX deleted item and reinserted back on my credit. 
3 ) XXXX did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity On XXXX/XXXX/XXXX Experian was in receipt of my certified dispute tracking # XXXX and they too failed to notate that the item was in dispute per my report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

My current report dated XXXX/XXXX/XXXX has no comments stating that the item is in dispute. Still after 2 years of my Validation request that they received on XXXX/XXXX/XXXX they NEVER notated that this item was in dispute. 

My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached documents include copies of several of my credit reports where both Experian and XXXX failed to notate the item in dispute. There has been no statements made on my credit reports over the past 2 years that this item has been in dispute.

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 2015-04-03
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX I ordered a credit report from XXXX XXXX for my review and to improve my score. 

XXXX Customer service representative from XXXX stated I need to call XXXX ( Experian ). They could not process my order because of a discrepancy only Experian could tell me. Basically I could not retrieve my credit report, and the pending fund withdrawal would not be token from my account. 

After calling Experian several times trying to resolve this issue I was only prompted to either purchase a report by credit card or check. They did not give me an option by phone or web to talk or chat with any regarding the retrieval of my credit report. 

I would like to resolve this issue, it is very important to me and anyone else who is going through this. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : XXXX : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am requesting to reopen complaint # XXXX with Midland Credit Management XXXX XXXX. I am providing a resolution update regarding payment for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: NCB Management Services 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: Account status incorrect

Complaint:
Account status is reporting open on one Bureau and closed on another. Also information like, Dispute Status, Date of Last Activity, Date Opened, and Creditor Remarks are reporting inaccurately and are in violation of my rights and the FCRA. I have sent dispute letters in regard to this matter and NCB Management Services continue to report this erroneous information, defaming my character. I have informed the credit bureaus, in addition I've mailed a copy to NCB Management of their false ans unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express placed me on a financial review and told me they would close my accounts if I did not sign a form that would authorise them to ask the IRS for my last two tax returns. I informed the customer service associate that I can't provide that. I am XXXX XXXX XXXX, and have only filed one tax return because I have been claimed as a dependent for my entire life. 2017 was the first year I filed taxes, as it is the first year I have held serious employment. However, due to school and personal issues, I used a lot of time off and my income last year was not as high as it is supposed to be anyway. My accounts are nearly maxed out, and if American Express closes my accounts, my credit will take a massive hit. I am planning on moving in with my partner into a new apartment in the next couple of months, and I will not be able to secure any kind of lease if American Express does this kind of damage to my credit report. I have been responsible and have never missed a payment, and this is the first time I have ever maxed out my cards, so I do not feel like I deserve to be treated this way. I have the ability to repay my debts over time, but I don't want American Express to cause catastrophic damage to my credit report by closing it without good cause, and still be required to pay off the closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Account status incorrect

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and Resurgence Legal Group PC has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: LA
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:
The Credit Reporting Agencies have became XXXX and negligent of the Fair Credit Reporting Act and have been claiming that the information the Credit Bureaus report are accurate and verified by the creditors. Well, I have had enough of their fallacy and I am taking advise from my legal counsel and we are ready anytime to file a lawsuit against the Credit Reporting Agencies. The Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I have not received any response from the Credit Bureaus and they have been continuing to report the disputed accounts as accurate. Once again, I am ordering the Credit reporting agencies to remove the following accounts completely from my Credit File : XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
on XX/XX/XXXX XXXX checked my credit report and found many discrepancy with the account listed under Portfolio Recovery associates and proof and validation was requested of the alleged debt i don't recognize. On XX/XX/2021 they send a letter claiming to validate the debt, which they never sent proof!! This account has negatively impacted my credit report with all 3 credit bureaus, This account is listed as past due and in collections. how us this possible. I asked for the representative who verified this debt and or to send me documents on how they varied alleged debt. They never sent documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Goldman Sachs USA Bank never deposited my XXXX Payroll check today. They stole my XXXX payroll check that was supposed to be deposited today for XXXX.

Company response to consumer: Closed with explanation