BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never late on this account. Please find attached letter. Please do not call me communicate in writing only. If you do call me do not record me or use automated dialing systems/tech.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone messaged my sister in law to buy my computer. Eventually they began to email and text me and the emails provided included XXXX and XXXX  XXXX XXXX images and an initial email that looked legitimate. I have never used XXXX on such a level and so the scammer had stated about a business account versus personal and it needing to be upgraded. They have assured me that would send additional money to cover my loss and so I sent money to them as a refund but never received the initial credit. I received another email stating to do the same but double the amount and from there knew something was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was in a Disaster Forbearance for the Thomas fires which  ended at the end of XXXX. My servicer had a scheduled sale date during the forbearnce period, which they agreed to postpone last minute. While in the ThomasFire forbearance, we had a second disaster CA wildfires in XX/XX/XXXX and I applied for a new disaster forbearance. While under review my servicer transferred my loan w a pending sale date of XX/XX/XXXX. I contacted the servicer and they said they no longer can access the loan, so they cant do anything about the sale date or the forbearance. The new servicer, XXXX, said they do not have my loan in their system yet, so they can't help me w the sale date either. I have contacted the foreclosure attorney, XXXX, who said they have to do what the servicer requests and to send them my reqiest in qriting, which I did but th esale date is so close & I have not heard back from them. I am very very worried that my loan will fall in the gaps between the sudden transfer, without Seterus having first completed my Disaster Forbearance.

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 2020-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am having an issue to the three major credit report agency with regards to the issue of my SSN being blocked by Equifax. Can be possible to dig deeper when investigating the said agency. From the people, company till the network provider, network system and security, same as who runs the business. Sorry for all my demands. Being a victim of identity theft. Same thing with the XXXX XXXX of XXXX XXXX XXXX XXXX.i

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from XXXX through the Bank of America. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

I was told nothing can be done. It is unacceptable for XXXX to acccept that payment and feel it is done with ill will and is fraudulent since there was never any intention on having me stay through the month of XXXX which i paid with good intent and was taken advantage of. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.

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 2020-04-27
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After many many attempts via email, online chat, website tickets, and phone support, I have gotten nowhere with this company. I would never have chosen this lender myself. My mortgage was sold to this company and I have had a horrible experience ever since. They Did not pay the correct amount of my property taxes last year and then were too late to make the repayment. It went to collections. I have been getting notices and threats from the city about delinquent taxes and lawyers representing the city have contacted me about delinquent taxes. All I know is my escrow account has sufficient funds but the lender is not doing their job of resolving it. Now the city shows additional fees and interest charges associated with the late payment. I am a XXXX XXXX XXXX  who can not afford to allow this to affect my credit especially during this current crisis. I have already missed out on PPP relief loans to pay my employees and other expenses. Now my credit score is suffering due to this delinquent tax issue.Every ticket I open to request answers is quickly closed as " SOLVED '' with no explanation. And nothing gets solved!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I disputed items on my Transunion credit report ( see attached letters and certified receipts ). On XX/XX/2020, I received dispute results from Transunion. Two items were deleted as requested, a phone number was added, a address remained, and information was updated. However, Transunion did not provide me with their method of verification as requested on XX/XX/2020. On XX/XX/2020, I sent another letter demanding to see verifiable proof with my signature on it ( see attached proof ). Under FCRA 611 ( a ) ( 7 ), Transunion was suppose to provide me a description of the procedure used by there agency in providing all information to the creditor associated with my earlier dispute on XX/XX/2020 in which Transunion failed to do. Based on FCRA 611 ( a ) ( 2 ) ( B ), Transunion were required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. On XX/XX/2020, Transunion wrote a letter stating they have verified the information through the data furnisher, but failed to disclosed who the data furnisher was as requested initially on XX/XX/2020. I have yet to hear from them regarding the other disputes in question.

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 2020-04-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Credit bureaus are reporting inaccurate information & have not fixed it yet ... They are reporting 2 erroneous accounts for XXXX XXXX XXXX XXXX ... XXXX & XXXX - They are double reporting, we only had one account with them and they are reporting 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Bank of America. I also have a credit card with them on which I owe . Without my authorization they took {$1100.00} from my checking account & said they were using it to pay my credit card debt. 
Is this legal? can they do this to me? What can I do about it? 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 2018-05-02
Company: Southwest Recovery Services, 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: Information belongs to someone else

Complaint:
I have spoke with XXXX  on several occasions in regards to the derogatory mark on my credit from Southwest recovery department. There is no solid proof that I took out a loan on-line. There is no identification this company has of me beside my e-mail address. They want me to send them my information which is not necessary, because I took out this loan they should be able to provide proof that it was actually me. The representative at XXXX does not understand English,  which is very hard to explain things to them. Each state has its own statute of limitations on debt : the amount of time the court will force you to pay a debt. For the State of Florida An Open-Ended Account have 4 years to send someone to collection for a debt. They claim I took a loan out in 2012 which I never took out is past the timely filing limit. Which this should be remove off my credit. This company is doing fraud and needs to be investigated.

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 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've had a Walmart account since XX/XX/XXXX prior to them selling to Capital One. I always paid them on time. I never had any issues. From one day to the next I noticed that they marked me 30 days late on my account. They changed their payment address and didn't notify me. I had no way of knowing about the change or where to send my payments. 

I called and disputed the late and they said they would look into it but nothing has been done. It doesn't seem fair to punish me as a consumer for making my payments as I always did. If they had notified me of the change I would have not had any issues making this payment. Now, because of their negligence, I have a 30 day late on my credit which dropped my fico score immensely and I may possibly lose my home if I do not get this corrected for my loan. 

Please help me get this resolved as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm having problems with these accounts that appear on my credit report that i did not authorize.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm having problems with these accounts that appear on my credit report that i did not authorize.

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 2020-04-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. 

The following accounts need to be deleted due to ID THEFT. 

1. XXXX XXXX XXXX ACCT # XXXX 2.XXXX  XXXX XXXX  ACCT # XXXX 3. XXXX XXXX XXXX  ACCT # XXXX 4.XXXX XXXX ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # 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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  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 that a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX XXXX Account # XXXX or XXXX Type Collection Agency/Attorney Balance {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Type Collection Agency/Attorney Balance {$950.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Type Collection Agency/Attorney Balance {$260.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXPhone : ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN37950Phone XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$150.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXXXXXX XXXX Account # XXXX Type Collection Agency/Attorney Balance {$360.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXPhone : ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX # XXXX XXXX $ XXXXXXXX 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 2021-10-22
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Company is violating my rights under FDCPA by leaving account specific information on a cell phone voicemail that does not clearly info date who it belongs too or without making direct consumer contact. Threatening to transfer account to legal department via voicemail to coerce payment. Advising I have 5 days to submit a payment or my account will be transferred to legal department via voicemail. Not honoring multiple requests to call within preferred call window as I am employed and can not answer the phone during work hours. Violations of both FDCPA and UDAAP violations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Last XX/XX/XXXX I filed a complaint Case # XXXX against the XXXX XXXX XXXX with Comenity Bank and we resolved it and the account was closed. There has been no correspondence, no billing statements ( I had switched to paper statements etc in late XX/XX/XXXX ) nothing from this company in almost 9 months so I assumed this matter was resolved until this morning. When I received an email stating that my statement was available for viewing. So I decided to check into it further and come to find out the account apparently has either been reopened or was never fully closed even though I have emails stating that it was closed. For some reason on XX/XX/XXXX a credit was applied to my account in the amount of {$22.00} which now apparently gives me a line of credit of {$170.00} of which I did not ask for nor did I apply for since I closed the account last XX/XX/XXXX. It also says I received a refund check, I never did since I was n't due a refund I never paid for services I did not order nor did it EVER total the amount they say they sent a refund check for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31
Company: CITIZENS FINANCIAL 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:
This inquiry was added to my XXXX  credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The original complaint filed against XXXX XXXX and XXXX XXXX Solutions COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt XXXX XXXX and XXXX XXXX XXXX as of XX/XX/2020 has not allowed me to validated or verify the debt they claim I owed and stated to the CFPB all collection will cease until it has been, as of XX/XX/2020 this has not happened. This debt was disputed with equifax and it still being reported by them as a collection debt when all collection has been ceased ... 
The Fair Credit Reporting Act ( FCRA ) gives Americans the right to an accurate and complete credit report. This information I have found to be, incomplete, or inaccurate information on my credit report, I am and have disputed it with the original creditor and the credit agency listed above and demanding it to be removed ASAP copy of the original creditor response to the CFPB is enclosed and of record ... 

According to the FCRA, inaccurate, incomplete, or unverifiable information must be removed. 


EQUIFAX reported by emails around XX/XX/2020 and reported The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # - XXXX The results are : We have verified that this item has been reported correctly. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX CREDIT FILE : XX/XX/2020 Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation