BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed during Covid however I spoke with BSI financial that we agreed on making payments they told me they will send me packet to sign which I did not receive then though I started going back to my job since XX/XX/XXXX my hours were but I was making lot less then during Covid time my husband also got XXXX, but he recovered, o was the only person working I didnt ah w enough money to pay bills and fees my family I was going through XXXX I went to see a doctor an s they have me XXXX XXXX my helath condition was bad then back howm my mom got Covid and she was hospitalized I rushed to go back home as my family sent me plane ticket during that time XXXX XXXX XXXX XXXX called and I explained her my situation she assured me once I get back she will call me and I can start making payments I came back and on I tried calling her an sNSI they kept me on hold and since then they did not call me back I was never got hold of XXXX I kept emailing and calling her and bsi customer service that I want to start making payments instead of responding to me they sent me letter for fire closure they didnt try to resolve my loan issue I dont want my house to go on foreclosure Im ready to pay I have no idea where to go I never got this kind of issue I have been home owner since XXXX and I was nit even late on single payment this is the new house o got as I sold my old house due to divorce and I could not afford big house Ive been struggling with divorce and nit Covid please help me and have my Morgatge company resolve my issue, o could nit get hold of my Mortgage instead they just keep sending letter but never get to talk to real person Im on FHA loan I should get help from them too please help me Im desperate I cant lose this house. This is the last hope I have. Im trying to work and survive barely getting back on fy feet and this situation is again stressing me out. One of the worst morgage I had to deal with so please have them call me and resolve this issue. Thank you all not understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello Im contacting about two accounts I have for the past couple months now. One account is {$2200.00} and Other {$820.00} with added interest that I have not gave consent for. Im in the state of Tennessee so there are two things wrong that are happening. One being the interest that Im being charged and the account being payed by old insurance policy. Ive disputed this Ive called sent letters even called the company directly still nothing and this is illegal what they are doing as a company. This needs to be removed Wake Field & Associates. 
Tennessee State Law : A debt collector may not collect any interest or fee not authorized by the agreement or by law. The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. The collection agency is not allowed to add interest or any other extra fees unless the consumer agreed to the fees in the original contract with the creditor or the fees are permitted by law. ( 76 Consumer Protection )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$11000.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$26000.00}, XXXX XXXX XXXXi ( Acct # XXXX ) {$300.00}, XXXX  XXXX ( Acct # XXXX ) {$860.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$1600.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX  ( Acct # XXXX ) {$13000.00}, XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$730.00}, XXXX XXXX XXXX  ( Acct # XXXX ) {$450.00} has violated my rights 15 USC 1681 section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without 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 2020-02-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Preferred Credit card XXXXmiles. Product was advertised : make XXXX in purchases and receive XXXX points. I spent more then XXXX. My credit card was immediately closed by the bank for the reason of a rapid increase in a revolving line. That made a statement of spending XXXX a false advertisement!!! 2nd reason was not enough information on a credit report. I have 8 years of excellent credit. So obviously it was used as an excuse. Prior to 8y ago I moved to the US from overseas. I'm U.S citizen and I see both reasons as a complete non-sense

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I filed a dispute with Transunion I still have not received anything from them about my dispute. I understand that with covid things are behind, but the law states 30 days this is unacceptable that I need to wait for my results.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-03-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed on my credit report that a card was opened fraudulently in my name. The card on my report is titled " comenitycapital/XXXX   '' and has already racked up a balance of {$4000.00} against the {$4000.00} limit. I have nothing to do with this card and did not open this or authorize it myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.

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 2023-01-24
Company: EQUIFAX, INC.
State: CA
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 filed a disputed that the credit report company quickly responded stating a duplicate outdated debt will remain. After escalating the matter, the credit responded stating the debt is no longer collectable and pass the legal statue of limitation. 

However, this duplicate outdated debt that the creditor stated they " legally '' can no longer collect due to it being past statue of limitations still remains on my credit file with Equifax. The credit reporting company REFUSES to remove this invalid information from my credit file, knowing it is a violation, nor have they added a statement saying the debt is past the legal statue of limitation per law and creditor response. The creditor stated they can NOT assist because it is a credit reporting company issue and not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested a free credit report on XX/XX/2018. Have not received as of XX/XX/XXXX. I called Equifax on XX/XX/XXXX and spoke with 4 people over about 75 minutes. My question was simple - what is the status of my request for a copy of the report.

All I got as the run around and long times on hold. They asked for some type of confirmation number, outstanding balance on specific credit accounts, minimum payment on specific credit accounts, etc. I repeatedly told them I did not have the information available and that I was not asking about any information in my file. I told them I did not understand how they were protecting my information by refusing to tell me the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX XXXX Late dates : XXXX-30 Creditor : XXXX XXXX Late dates : XXXX-60, XXXX-30 XXXX XXXX Late dates : XXXX-30 XXXX XXXX Late dates:XXXX-60, XX/XX/XXXX-30 Past Due : {$220.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my 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 2023-02-19
Company: Experian Information Solutions Inc.
State: MO
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 # 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 as 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.

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 2022-02-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I decided to refinance my mortgage because it is an adjustable arm, and I want a fixed rate since my current mortgage payments continue to increase as rates rise. When my new potential lender asked for documents to secure the loan, I was able to submit all but my current mortgage statement from Select Portfolio, my current lender. On XX/XX/XXXX, I accessed Select Portfolio 's website to get a copy of my current statement only to discover that it was incorrect and was showing that I was 2 months behind on my mortgage payments. I immediately contacted Select Portfolio that same day and was told that 2 of my mortgage payments were applied incorrectly, and that the issue would be escalated to make the correction before the XXXX statement was available, and that the statement would reflect the correction. However, since then I have been receiving foreclosure notices and threats that my account is being referred to an attorney for possible action. Since XX/XX/XXXX, to XX/XX/XXXX, I have made over 20 calls and over 10 calls to Select Portfolio 's Ombudsman dept ( dept to call if your issues have not been resolved ), only to be told the same thing over and over again, " that the issue has been escalated and should be corrected by the next statement ''. Still, 3 statements later the correction has not been made. I have lost my 30-day interest lock in rate from the new lender, and my mortgage payments from current lender are scheduled to increase next month, XX/XX/XXXX. I am a retired senior citizen on a fixed income, and all I want is to for Select Portfolio to correct THEIR mistake so I can refinance my mortgage and have a payment that is affordable. It is very stressful waiting for Select Portfolio to correct their mistake, and I feel that it is unreasonable and unethical to take as long as they have to do so. It is as if they don't even care that my refinance is hold because of THEIR mistake. Please get this issue resolved soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: FIRST HERITAGE CREDIT LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan for $ XXXX {$800.00} from 1st heritage credit and was signed up for extra stuff I didn't want or need. I inquired about paying the loan off early as to avoid some the interest and was told it wouldn't do any good. I was going to have to payback {$900.00} over what I borrow. At first I was told I couldn't cancel some insurance they tricked me into. Then I was told I could but it wouldn't really do any good. I don't believe it is fair borrowing a little over {$700.00} and having to pay back over {$1600.00} regardless of early pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: M&T BANK CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This company is constantly trying to steal the money the state sends to help me and they do whatever to cover their tracks. First time they told me I had to get paperwork filed and notified, which cost me money. I told them I was waiting for help from the state and they said I still needed to have to paperwork done and they would figure it out when the money came. They tried keeping the money and using the excuse that I had that paperwork done which they told me to do. I had to file a complaint to get it applied to where it should be. Now the state sent more money and they stole that and said it went to my escrow shortage, which by the way they went up significantly on my mortgage using the same excuse about an escrow shortage. I have already talked to the state who sent the money and the said the money was sent to help me with monthly payments. There is no way I was {$9000.00} short in my escrow but this company will do whatever to cover their tracks to keep the money. I need genuine help, I need to know who I can go to to really get this resolved. They are stealing from people who need it. I was in a bad accident and have my neck, back and a rib broken and can not work right now. That money was sent for my mortgage payments but this company practices shady tactics to steal money from people

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 2020-01-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
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:
In XX/XX/XXXXprestige auto fiance agreed to out us in what's called a fresh start program. This program offers our credit to reflect as current after five months of payments. They gave us the stipulation that we would pay on the XX/XX/XXXXof each month. We asked for a two day extension this month and they denied us ... .. The XX/XX/XXXXfalls on a non business day and Monday is a Holliday. They are threatening to send us to loss mitigation if we don't pay by the XX/XX/XXXX. They also asked for address of the car ... XXXX As if they were threatening to take the car on Monday. 

We've made our payments on time for the last three months. But, they said that we haven't been making our payments. My car is the only means I have to get to work. But, they threaten us every month.

We only have two months left on the program and then we are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 2023-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations Not my credit card XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off/Never late. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
never lived here XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Single family not my phone number ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-24
Company: Verisk Analytics Inc
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email LCI several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

Company response to consumer: Closed with explanation