BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: AL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Southwest Business Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been approved for HAF payment for my pass due mortgage payment and the. Mortgage company SWBC Mortgage continues to threaten foreclosure but HAF has been in touch with SWBC Mortgage so have I. They're are saying oh well we haven't received payment so we are going to move forward with loss mitigation foreclosure. I do not want to loose my home. HAF has told them I have been approved just has not sent the payment or something. My Company is threatening with taking my home. What can be done they already been told by HAF that I was approved. Just got off forbearance and were they wouldn't allow me to make payments to my mortgage and now still won't allow me to make payments to my current monthly payment which will cause the more problems. Is this legal???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Asset Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX was transferred to another collection company trying to collect on a debt not owed. 

Asset Recovery Solutions , LLC is attempting to collect an erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor for the account ending in XXXX and or XXXX XXXX XXXX XXXX with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by Asset Recovery Solutions , LLC with XXXX XXXX XXXX, XXXX as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor. Asset Recovery Solutions , LLC 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Edfinancial added a missing payment to all of my XXXX XXXX once they transferred. I missed three payments in XXXX due to XXXX XXXX failing to contact me about the end of deferment ( They had my XXXX address ). Now with the transfer Edfinancial added a missed payment for XX/XX/XXXX even tho I only missed XXXX, XXXX, and XXXX of XXXX. I'm just a poor XXXX XXXX old trying to buy a house for my family and XXXX XXXX XXXX  companies keep ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Our guest house burned down XX/XX/XXXX. We received an insurance payout which went to the mortgage company to be placed in a restricted escrow account. We decided recently to pay our mortgage off instead of rebuilding our guesthouse. Our restricted escrow balance was {$110000.00}. I paid the additional amount back to them that was required to bring the mortgage to fully paid on XX/XX/XXXX. I got a letter from the company on XX/XX/XXXX stating that my mortgage balance had fallen down below the amount being held in restricted escrow. 

Yesterday, XXXX, a monthly mortgage payment was taken from my account and this is XXXX time. They took money from my account that was not theirs at XXXX. They said that it would take XXXX to XXXX  days for them to give me my money back. I asked to speak with the supervisor, and they told me that they were too busy to speak with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX a savings account was opened and funds moved to the saving account from the checking. A few days after my son and I went to the bank verified our ID and were told all was good to go. Fast fwd to XX/XX/XXXX, the savings account was closed and told funds would be mailed but we could go to the bank and see about getting funds released sooner. We went to Bank of America on XX/XX/XXXX where we were told the funds in the savings account needed to be verified as to where they came from. When the branch agent explained they came from the checking account they then said they now see that and will have a check issued within 3-5 days. On XX/XX/XXXX we called the risk dept to see the status of the check and were told it wasnt yet sent and funds needed to be verified. Again explained the funds came from our checking and again told they see that and were escalating the check to be sent. I was given a supervisors name to ask for when calling back. Today on XX/XX/XXXX we went back to the Bank of America branch the agent called risk told the same thing as before again explained the situation and then told the cashiers check was in the hold dept when asking why we were told because they are verifying the check, the check they the Bank themselves were issuing! When the branch agent asked to speak to the supervisor who gave us his name on Thursday XX/XX/XXXX the branch agent was told they cant get to that supervisor directly. When the agent asked to speak to any supervisor she was placed on hold then diss on extend. When we asked who else to talk to or what else we should do we were told there is nothing. We now have {$1700.00} missing that Bank of America has held since XX/XX/XXXX and have no one who can or will give us any information about the missing money or how to get it back.

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 2023-02-23
Company: Lender Services, Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
a company called me and stated that they were hired by a company called XXXX XXXX to reposess a car, i told them to cease and desist calling me to harrass me about that car. i explained that i sent several certified letters to the company and XXXX XXXX has XXXX ot responded. XXXX XXXX and this company called lender services have violated the law and are contuining to harrass me. 
the federal trade commission has taken my action. i filed several actions against XXXX XXXX and XXXX has never responded to any mail. 
now sunrise has hired another company to harrass me called lender services who must have sold the loan. 
repossession is illegal, filing late fees on my credit report is illegal and i want them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went into Bank of America to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, " XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is " XXXX ''!!! 
I have talked to Bank of America, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, " I can fix this for you! ". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have membership with all three credit bureaus agencies Experian, XXXX and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay Experian {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.

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 2019-06-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I bought furniture from XXXX XXXX, XXXX XXXX. They also pitched 0 % loan from synchrony bank. I signed up and also set up Autopay on the banks website to pay the minimum payment. 

Today, I noticed interest charges, so I called the bank. They said the 0 % was only for 6 months. 

I feel defrauded because : 1. I don't remember being told of 0 % interest being only for 6 months. Plus,  since I was shopping in a furniture store, I did not expect to be charged 29 % interest for loan on furniture purchase. 
2. I set up the Autopay and it did not pull out enough money. Min pay was not the same as the min pay needed to meet the 0 %. 

They tricked me into taking loan with 0 % ( I did not need the loan ; took it only for the 0 % ), then they tricked me by encouraging me to Autopay ( I stopped paying attention to statements ) and in autopay, they did not deduct the right amount in min pay to meet the 0 % threshold. 

I believe this offer is designed to mislead.

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 2022-05-18
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have membership with all three credit bureaus agencies XXXX, Equifax and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay Equifax {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX Please delete any other variation. 
my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-10-25
Company: BMW Financial Services NA, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not 29. 

Many customers are having this issue with this company as they are violating. They are reporting my account XXXX days late and it is incorrect and both BMW FINANCIAL AND XXXX, XXXX, XXXX IS XXXX TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED BMW IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, i am reaching out to you because i am being sued by a creditor named Midland Funding LLC, I received a summons from Midland in XXXX of XXXX and answered it. I was given a pre-trial hearing which i attended earlier this morning XX/XX/XXXX. During the hearing the Judge asked me and the Plantiff 's attorney to talk about the case one on one outside before he began. While speaking with Midlands Attorney he asked me what i wanted to do with the account? I advised him the Summons i answered did not have the original creditors name on it or indicate the amount or amount being claimed that i owe, I also asked him if he had record of the last payment made to the original creditor and he advised me the last payment made was in XXXX. I advised the attorney the Statutes of limitations for this debt appears to have expired based on New York State Law. He pretty much acknowledge this but stated he only goes by what he is given to work with? That said, he advised me he would ask the Judge to adjourn the case for 45 to 60 days for discovery, and i agreed. I am reaching out because i feel the Midland is suing even though they may be aware the Statutes of limitations has expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-05
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello i had a large amount desposited into my Charles Schwab account back in XXXX and after I payed a bill in advanced they locked my account the next day since then Ive been trying too get in contact with them but no success on my end. Ive Called and called emailed letters but no response. Im willing too give them any information regarding my account so I can access my money this is very frustrurating and problem causing, That was my savings money so I can pay bills coming up is rent and im really stressing! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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