BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been living in XXXX during the XXXX XXXX pandemic. In XX/XX/2022, I was approved for a third forbearance and a trial loan modification with a 3.5 % interest rate. In XX/XX/2022, the loan servicer M & T Bank sent me loan modification documents requiring me to have them attested before a XXXX notary prior to my loan modification being approved. Due to XXXX XXXX restrictions, the earliest date I could get a XXXX notary public was XX/XX/2022. Without any warning or notice they cancelled the loan modification in XXXX, returned payments I made in XXXX and XXXX. They are demanding a lumpsum payment of {$23000.00} and threatening foreclosure. I have asked them/they have refused to give me a payment terms that allow me to pay this amount in installments and resume mortgage payments. A copy of the request is attached, and proof of funds.

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 2016-07-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had called to check status of a vehicle loan payoff, to the XXXX XXXX XXXX number. 
The young lady I spoke with XXXX who became very rude and defensive in tone as I ask questions about the payoff that they said had to be forwarded since the address in the payoff letter that was sent to us, had the wrong address on it. having us send it to XXXX XXXX XXXX, OH instead of a XXXX XXXX address. I know that these conversations are recorded and that you can review them. I generally do not write these type letters but this young lady upset me very much.

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 2022-04-10
Company: ECMC GROUP, INC.
State: MD
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 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 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 Constant opening and closing on the 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 2022-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need to dispute a charge on my debit card ending in XXXX from XXXX XXXX  made on XX/XX/XXXX for an amount of XXXX, XXXX  XXXX It was an XXXX XXXX XXXX, the seller never sent the item to my address and also never provided any tracking number or more information about the shipment. 
The merchandise must be delivered on XX/XX/XXXX, but until now that has not beed delivered to my address. 
I tried to contact the merchant several times but they never replied to my or answered the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: United PanAm Financial Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
N accordance with the Fair Credit Reporting Act United Auto Credit account number # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: IL
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, 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 an account without my written instructions.

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 2020-04-20
Company: Colony Brands, Inc.
State: TN
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:
Re : Verification dispute of XXXX XXXX XXXX XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute XXXX  claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but XXXX  has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert XXXX  that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines XXXX  has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( XXXX  ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( XXXX  ) may not report outdated negative information I may seek damages from CRAs ( XXXX  ) and credit reporting data furnishers ( XXXX ) for FCRA violations I contend that XXXX  did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of XXXX  being understaffed due to Covid-19. This is evident by XXXX drastic cutting of phone support ; however this does not preclude XXXX  from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX XXXX XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of XXXX  being in violation of the FCRA. I strongly urge XXXX  to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for XXXX to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
XXXX  {$10000.00}  Santander Auto Loan sa ys I owe Dispute after dispute after dispute to no avail ...   Contacted the Better Business Bureau and reported incident Reported  to The Attorney Generals Office and told entire story Called Santander  XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: Resurgent Capital Services L.P.
State: MI
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 act XXXX  account # has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 act XXXX  account # has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corp

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 2016-06-20
Company: Gurstel Law Firm, P.C.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. 

I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. 
My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! 

Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed
Consumer complaint received 2017-01-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.

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 2019-11-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by a company ( XXXX  ) Claiming that I owed a debt to HSBC bank. When I contacted HSBC they advised me that I did not have any outstanding debt with them. I contacted back XXXX  and they told me that they had already sent validation and that I did not need to validate. However they said that I would need to pay this debt before having my wages garnished. The representatives were very threatening and convinced me to give my card number for payment. They told me that once the first payment was made that I would receive a receipt however I have not ever received that receipt. My bank has cancelled my card and I am now getting a new card. I have continued to get calls from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: ALLY FINANCIAL 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX I noticed a inquiry from a company by the name of XXXX. I called XXXX and they confirmed that I do n't have any information in their files from XXXX at all so they are unsure why Transunion is reporting that inquiry

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 2022-04-10
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: Account status incorrect

Complaint:
XXXX XXXX closed my account as a result of them not renewing their federal account causing my credit score to drop without fault of my own. This egregious error is impacting our ability to obtain a new mortgage or rent a townhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: FL
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:
I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from XXXX, Experian and XXXX. 

1.We XXXX  XXXX XXXX {$2000.00} ( chargeoff ) 2XXXX XXXX  XXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries XXXX / PPMC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2015-12-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
LVNV has done everything they can to my credit, They would open then close an open an account.my credit score was bouncing around from XXXX to XXXX over night when I found out who it was they were removed permanently. In the past I received letters that they were suing an then canceling suing an canceling..one day a letter came in they had retained a judgement, ,I have taken care of almost all bad credit on my report, ,I dint think they have done anything leagle, an they continually change their name an collection tactics..Is there anything you can do to help me..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company in question is called Credence resource management, they have called on a almost daily basis saying that they are a debt collector trying to collect a debt for an XXXX XXXX XXXX account and phone number that I have never had and I have never had XXXX XXXX XXXX  I have called them repeatedly and told them to stop calling my number which they do not do, and I have contacted my lawyers at my credit repair service to confirm that there is no Credence resource management agency reporting on my credit reports. When they have called they try very hard to get personal information out of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and   XXXX   refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, 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 an account without my written instructions.

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 2022-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a transaction in the amount of {$82.00} from my citizens bank checking account, paid to a company named XXXX XXXX It's a transaction that I didn't authorize. I've contacted my bank, the police dept and the company that ( according to my citizens bank statement ) received the money. All contacts were made on XX/XX/2022 Citizens Bank has started an investigation. 
The XXXX XXXX XXXX has also started an investigation, however a document from the FTC is needed along with a copy of the police report. Zone XXXX XXXX Pa Police, case number ; XXXX. I will be requesting an actual copy of the police report for the company on XX/XX/2022

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital One Auto loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXXpm eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on XXXX because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.

Company response to consumer: Closed with explanation