BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX  XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX XXXX {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status

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 2023-02-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was told my interest rate would be around 4 % with I first began applying with Wells Fargo. Once the loan was processed I came to find out that the loan was instead set to a 7 % interest rate.

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 2023-03-07
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a XXXX payment on my apple card who is managed through Goldman Sachs. They put a hold on the payment for 1/3 of a month ( 10 days ). When I noticed autopays declining I called and their Tier1 could not release the hold. The supervisor XXXX who called me from Customer advocacy said she could not either and refused further assistance claiming no one would help me. I asked for her manager/ next level leadership and she declined any identifying info for accountability or to pass me to her boss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: MI
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 have disputed the collection account from '' XXXXXXXX XXXX XXXX  '' in XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 for Consumers energy account is is not my account. I do not owe this company. Please Enforce this company to re-investigate properly.

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 2023-01-13
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX BMW & BMW FINANCIAL SERVICES both are in Violation of Title 15 by using deceptive forms, language, mode of operation along with deceptive tactics. This Notification is for all principals, franchises, agents, Government actors Et al On the XXXX of XXXX, at approximately XXXX hours. I arrived at the XXXX BMW Dealership located at ; XXXX XXXX XXXX XXXX, California XXXX. I was met by a salesperson, XXXX XXXX who proceeded to provide the following information. He stated that BMW Financial Services has a numerous stipulation and require XXXX as a down payment. He further stated I needed to provide insurance, which is also false and misleading. I advised XXXX XXXX that I wanted to acquire an Automobile via a Consumer Credit Transaction and NOT a loan. He responded by saying he didnt know what that was. I advised him that Ignorance of the Law is No excuse. All Automobile Dealerships Participates in Truth in Lending Act, including XXXX BMW therefore it should be known to all within the Management and sell team. He further stated that BMW Financial Services was lending me credit. Which is false and misleading due to the fact that the origin of the credit is the consumer, the original creditor making the extension of credit to XXXX BMW and BMW FINANCIAL SERVICES because they both ran my credit and gave me without nothing in return. BMW FINANCIAL SERVICES sent me an adverse letter stating that the went to a third party for decision making on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: 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 AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance XXXX XXXX {$810.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-08-12
Company: EQUIFAX, 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:
Equifax failed to remove unauthorized accounts on my credit report under 15 USC 1681a3. Equifax never obtained any consent from the creditor and did not have permissible purposed to give XXXX XXXX access to My credit report. Equifax violated my right to privacy and have been unfair and partial towards me. 15 USC 1681b2 requires Equifax to have permissible purpose before giving access to my credit report. On XX/XX/2022, Equifax representatives informed me that they could not provide a copy of my consent, or permissible purpose provided by the fraudulent creditor, because they did not have any and did not require it in order to give access to my credit report. This call is recorded. Equifax failed to assure the maximum accuracy of the information concerning me as it relates to my credit report. 15 USC 1681e ( b ) makes it clear that it is the job of Equifax to assure the accuracy before placing false information on my credit report. Equifax informed me that they do not have to do that and if I do not agree with that the creditor has placed, it is my job to contact that creditor. Equifax informed me that they do not conduct an investigation, they give the information to the creditor, and if the creditor says it is valid, they will continue to furnish the information. This is a direct violation of the Fair Credit Reporting Act. 15 USC 1681i states that Equifax if responsible for looking at my information and making an impartial, fair decision with respect to my privacy. 
In their last response to my investigation, Equifax admitted to not investigating my dispute. They gave the information I produced to the creditor ( including the identity theft report and police report ), and allowed the fraud to continue reporting on my account. This is harmful to me and my life. This is hurting my children and myself. This is illegal and a violation of the FCRA. Equifax does not abide by the law and must be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Cerdit Acceptance has information from a past auto loan that I was on. I no longer have the vehicle as it was my ex-spouse 's. They have been reporting the account 180 days past due for the past 5 years with no update to the account since XX/XX/2018. I have attempted to contact the company directly and they do not answer my calls. I have attempted to dispute it through the 3 major credit bureaus and they do not respond to them either concerning this 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 2022-10-20
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-07-18
Company: Home Point Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with Home Point Financial corporation. Prior to receiving an Escrow shortage letter in XX/XX/XXXX I was paying {$1400.00} every month. The escrow letter shortage stated if i paid {$460.00} by XX/XX/XXXX my mortgage would only increase to XXXX. If I did not pay the shortage in full my new monthly payments would increase to XXXX effective XX/XX/XXXX. I contacted the escrow department with Home Point Financial and paid in full, over the phone, {$460.00}. I was advised to start paying XXXX for my monthly mortgage. ' I have been in Bankruptcy for approximately 2 1/2 years but my mortgage is not included in the bankruptcy payments. I do not receive a bill or statement for my mortgage due to Home Point 's policies in dealing with individuals in bankruptcy. In XX/XX/XXXX I received a mortgage statement from Home Point indicating I owed {$4600.00}. When I called Home point for an explanation they told me that " someone '' dropped the ball and did not apply my escrow shortage to my escrow account. As a result, i was being billed XXXX every month and my XXXX that I would submit every month went into a " Suspense Account ''. So I was told it was there mistake and they would rectify it with a new escrow analysis and apply the funds i have been paying for the last 9 months plus the shortage to the proper accounts. That was 2 months ago. I have spoken with heir bankruptcy department no less than 20 times and have been told most recently that my account has been elevated to the Bankruptcy manager at Home point. That was a month ago. I was told several reasons for the delay. None of which are true. the first excuse they gave me was I didn't ask for an escrow analysis after i paid my shortage. When in fact I asked 3 times during the month of XX/XX/XXXX and was told it was being worked on and it would take 2 weeks. It was never done according to what i am being told now. The second reason for the delay is Home point says they are waiting for approval from my lender. In any event. i called this situation to their attention over 2 months ago and i am still being billed XXXX. i  have done everything Home point has asked of me. I pay my mortgage on time. I paid my escrow shortage in full on time. And this is what i get in return. I have contacted my attorney, i have filed a fraud complaint with the Federal Trade Commission for improperly using a suspense account with my money that should be applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A CREDIT CARD ACCOUNT WITH BANK OF AMERICA, THEY ARE SUEING ME FOR A RIDICULOUS AMOUNT OF MONEY IN WHICH I DID NOT CHARGE, EXCESSIVE INTEREST AND FEESPLUS MANY CHARGES MY FATHER MADE WITHOUT MY PERMISSION SEVERAL MONTHS BEFORE HE PASSED AWAY WITH XXXX XXXXXXXX. I HAVE CALLED BANK OF AMERICA SEVERAL TIMES AND SENT LETTERS TO THEM AND THEIR ATTORNEY TO EXPLAIN THE SITUATION. THEY KEEP TELLING ME THEY ARE INVESTIGATTING THE ACCOUNT. NOW IT HAS BEEN ABOUT THREE MONTHS AND THEY STILL HAVE NOT LET ME KNOW THE STATIS. I HAVE SENT LETTERS AND CALLED AND HAVE TRIED TO SETTLE THE DEBT WITH A OFFER FOR MY PART I BELIEVE IS MY LEGIT DEBT. STILL NO REPLY. NOW I SEE THEY ARE SUEING ME FOR THE FULL AMOUNT, WOULD LIKE TO EITHER WORK OUT A FAIR STTLEMENT FOR WHAT I CHARGES OR SEND ALL INFORMATION REQUESTED TO DEFEND MYSELF FROM THE FRUAD CHARGES. OR I MAY KNOW WHERE I AM AT TO POSSIBLY GO TALK TO A BANKRUPSY ATTORNEY. THANK YOU

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 2023-01-17
Company: Jon Barry and Associates, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
This is happening constantly over and over, Identity Theft, PARAGON REVENUE GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and collecting from the state filing number. They are stealing. I do not know who this company is and have not authorized any use of this information and they are causing defamation of character and threatening the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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 non-monetary relief
Consumer complaint received 2019-04-19
Company: Finance of America Mortgage LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 my husband and I applied for a loan to buy a house with an FHA XXXX loan through XXXX XXXX at Finance of America. At that initial meeting, I was told I was pre-approved and to start looking for homes. On XX/XX/XXXX, a pre-approval letter was sent to my realtor and we received an accepted offer to purchase a home. On XX/XX/XXXX, XXXX was sent a copy of the accepted offer with a close date of XX/XX/2019. Over the next few weeks I stopped by XXXX office numerous times to check in and I was assured all was on track and he had what he needed to complete the transaction. On XX/XX/XXXX XXXX sent an email out to the realtors asking for a 45-day extension as he was unable to complete the loan and he needed to switch financing for our loan. on XX/XX/2019 we received our first set of disclosures from Finance of America dated XX/XX/19 there were two sets of the same paperwork sent to us. This set of disclosures was for a standard FHA loan not the FHA rehabilitation loan we applied for. There was no communication or explanation of what was going on with our loan. Looking back on our pre-approval letter the information doesn't match the loan we applied for either. We now have had to seek financing elsewhere and hope that we can get an extension and not lose this house or the earnest money we put down. This has caused us a great deal of stress and we are now rushing to get a loan for our family, when we started this process back in XXXX of this year. I am attaching some documents that we received during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2019, I observed a deduction of {$820.00} check in my checking account with Bank of America. I attempted to stop the transaction the same day, but the fraud claim department had stated that the stop can not go through because someone had cashed in the check. On XX/XX/2019, I received a letter from bank of america and a copy of this forged check ( see attachment ). This unknown suspect was able to tamper an old check of mine ( check # XXXX ) and changed the check number to check # XXXX, the date, amount, and the payee. Currently in my possession, I have check number XXXX untouched. I have filed a police report on XX/XX/XXXX-19 about this forgery and I have also called the bank of america fraud claim department numerous times and faxed them the evidence and the police report. It took approximately 60 days to resolve with me constantly calling them for a status report and with no answers. I finally received a letter onXX/XX/2019 from bank of america denying my claim because the signature is consistent with the account. The problem is that they didn't investigate how the check number XXXX doesn't match the one I currently posses ( a blank check ). The check was clearly forged by the suspect and used an old check of mine, which clearly still has my signature to produce this other check. It took them 60 days just to say that signature matches the account, while they didn't investigate it further and try to see that the check was clearly tampered with.

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