BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since XXXX of 2020 I have been trying with BMW to get a payment made on XX/XX/2020 posted to my account. I have called them numerous times and I have not gotten any results. they are still researching it. It is now XX/XX/2020. 
I spoke to XXXX  today in collections at BMW finance and he said that he could not locate the payment. He said my request is still open. On XX/XX/2020 I spoke with BMW Finance and was told to send a copy of the proof of payment from my bank to XXXX. I also faxed the proof of payment to BMW Finance on XXXX XXXX and spoke to XXXX who told me to fax it and it would be resolved within 48 Hours. See attached. The proof of payment shows that the check was sent by my bank on XX/XX/2020, that expected delivery would be XX/XX/2020 and that the check was cashed on XX/XX/2020. I keep being told by BMW finance that this was to be resolved with 48 Hours. That never happened. 
Also on XX/XX/2020 spoke to XXXX  at BMW Customer escalations and he said that there is an SR open looking into the complaint. XXXX looked again and found my faxed proof of payment but still could not confirm that the payment had been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: VANDYK MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Yesterday XXXX XXXX, XXXX, I advised XXXX XXXX our agent with VanDyk Mortgage that I wanted to change lenders because issues after issues have arose during the closing process and the sellers became frustrated with the lender. XXXX XXXX told my real estate broker, XXXX XXXX that he would speak with is boss about the situation. 

Today XXXX XXXX, XXXX my broker called XXXX XXXX and XXXX XXXX told my broker to call his boss XXXX XXXX. My broker advised XXXX that I XXXX XXXX ( the borrower ) would like to transfer to another mortgage company and that I want our file sent to us via email so that we then can forward OUR legal information to the new lender. ( which was the same initial request that I requested from XXXX XXXX ) XXXX XXXX proceeded to argue with my broker stating " You want us to do a courtesy? '' and, " I 'm not bound by any agreement to release any information given to us by the borrower back to them or anybody. '' As well as, " The borrowers have the originals they can resubmit them to the new lender. '' After my broker stressed that getting the paperwork together again would take time and may be a problem that we need the bulk file of all the paperwork we 've submitted to VanDyk Mortgage, XXXX continued to argue with the my broker at which time my broker ended the call. 

I figured it is illegal for a company to refuse to release any legal documents that are mine back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an inquiry on my acct from Equifax back in XXXX.I disputed w them..I called the creditor they do not have my information ... and equifax has yet to remove this inquiry. I sent a complaint to you all back in XX/XX/21 you guys closed the case bc equifax said they needed more time.Its been a year and this inquiry is still on my acct. And I have spoken w discover 3 times and they have no record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX is saying I owe them {$680.00} and I dont know have any knowledge of using their services for anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had XXXX unauthorized transactions from my Bank of America checking account from XXXX. One was {$1100.00} and the other was {$550.00}. I filed a fraud case with Bank of America and they came back and said research was done and that they found that I was in fault based on their research. I was told that the transaction was done from a " device that is consistent with previous valid account activity '' - I am 100 % sure I did NOT authorize or conduct these transactions and now I feel like I am out {$1700.00} for something that is fraudulent and not my doing. I am a XXXX XXXX XXXX that works part time and I am about to start college. I can submit anything you need to help me solve this and get my account back to {$0.00} as I didn't have this money in my account to begin with. 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 2019-02-11
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell past due on my mortgage which initiated foreclosure action in XX/XX/2019. 
I forwarded three of the five missing payments for $ XXXXon XX/XX/2019. I spoke with the Loss Mitigation Department of my Mortgage holder. The Loss Mitigation Department advised me that the mortgage was turned over to an attorney and all past due payments had to be submitted to them by XX/XX/2019. I submitted the funds for all past due amounts {$6300.00} and {$5100.00} ( total XXXX ) on XX/XX/2019 via Next Day Air. I have confimation of the funds being delivered and received on XX/XX/2019. I have called multiple times seeking confirmation of receipt of funds and I get the funds have been received but not applied. I have not been given any explanation as to why the funds have not been applied. Furthermore, I've been advised that I am in active foreclosure ; all calls should be directed to their attorney but no information for this contact has been afforded to me. Only a collection service who will not give me any information either. When I call I'm placed on hold for 30 minutes or more and or given the run around to follow up with persons that are not named. 
The sale date is not even exact.

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 2019-01-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Currently on my XXXX XXXX credit card I owe XXXX dollars. As of XX/XX/2018 states I owe XXXX and some change. How can I make an XXXX dollar payment in one month? This information is incorrect. I owe less than what they are saying.

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 2020-06-05
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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Between my private loans which I pay now at XXXX a month and my federal loans I cant even afford to do anything with and my interest rate is going up higher and higher I started I think at 60 and now it is up to 80 something! I literally have been putting my life on hold! I am XXXX not married but engaged ... no kids Bc I cant even suport myself for goodness sake and no house Bc I cant get a down payment together nor do I want a huge mortgage! College was legit the worst mistake of my life I wish I could go back in time and never woud have went. It legit is useless Bc I would be making the same without it. Its horrifying and since m loans have been in forbearance this whole time they keep going up but I cant afford them and no one ever told me about this ... I legit get so sick to my stomach just even thinking about them ... there are days where I think about getting into the XXXX industry or something of that sort to just even pay them off with my full time job I have. I am desperate and loose sleep over this every night. I have to pay my private loans back as well and my gosh those are so much as well and I dont know what to do. I am completely lost! Please help. I am honestly begging for help from someone who reads this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, 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:
Equifax 's negligence in securing my personal information against external sources has cause my personal information to be released to the world without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I paid all my overdue ( Forbearance Period ) payment, which is {$44000.00}. 
However, this doesn't reflect to my payoff statement & account for long time. Please see attached my payment history & latest payoff statement which has not been updated. 
I called more than 4 times, and they lastly promised ( on XX/XX/2022 ) that it will be updated no later than XX/XX/2022, but it wasn't updated yet. 

My closing day is XX/XX/2022, and I really need updated payoff statement until XX/XX/2022. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/22, I made a purchase for {$9500.00} on my XXXX Credit Card pursuant to a promotion that offered no interest payments for a 12 month period and a waiver of tax with a newly opened credit card. I was induced to open the store credit card solely based on this promotion. At the time, there were also additional benefits for selecting online billing. On XX/XX/22, a finance charge of {$62.00} was assessed arbitrarily and without explanation. Then, on XX/XX/22, the first interest charge on purchases was assessed for {$100.00}. Subsequently, an interest charge of {$230.00} was assessed on XX/XX/22, as well as an interest charge of {$210.00} on XX/XX/22. I have called Commenity Bank and spoke to XXXX, XXXX and XXXX respectively, to dispute the finance and interest charges to no avail. XXXX advised that they do not accept disputes on these charges after a 60 day period. I advised that I am unable to open any PDF statements on their site, as the online statements are not accessible in any form. The only reason that I was alerted to these charges was pursuant to a separate dispute wherein the representative made me aware. I would like Commenity Capital Bank to comply with the 12 month interest free promotion that induced the purchase. Had the promotion not been advanced, I would have purchased the items utilizing a different method. I feel that XXXX XXXX  XXXX and Commenity Capital Bank misrepresented the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CT
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:
I had mailed Equifax information about my credit report stating that I have an unauthorized inquiry on my account that Id like removed since I do not recognize it. I then called after 30 days because they never took action. They asked that I mail them again and I did. It has now been over 30 days and they still have not removed this Inquiry from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I EXERCISED MY RIGHTS UNDER 15 USC 1635 a to rescind a consumer transaction that I entered with GM FINANCIAL due to TILA violations. I exercised this right by mail using a certified green receipt on XXXX2021. These documents were received by gm financial on XXXX2021. On XXXX2021 an representative of associates asset recovery stole my property from me outside of my work place. XXXX XXXX XXXX is in violation of 15 USC 1692c ( a ) ( 1 ). They are debt collectors pursuant to 15 USC 1692a ( 6 ). A representative for XXXX XXXX contacted me without my consent or the permission of a court regarding this alleged debt and at an inconvenient time while I was conducting business. I made it clear that I was conducting business and that this was an inconvenient time to contact me and that I do not permit them to contact me regarding this alleged debt but they did not care. I was deprived of my means of transportation and left stranded in the rain and cold. I was forced to catch a XXXX home and cancel all of my plans for the day and week because I now have no means of transportation. 15 usc 1635 b does not mention repossessions. I was deprived of my rights and they conspired against my rights along with GM financial to unlawfully disposes me of my property as exercising my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I purchased a home in XXXX of 2020. My original loan documents, my closing disclosure had a monthly payment of $ XXXX/month. For the 1st year I made the payments of {$1200.00}, but over the course of the year my loan was transferred to multiple different companies. It is now currently with ESSEX MORTGAGE, and recently they reached out to me stating that my monthly payments would be going up to $ XXXXmonth. I reached out to my city, which is the city of XXXX, GA. They told me that they don't see any significant change in my taxes. My mortgage company is telling me that increase is due to my city 's taxes going up & my insurance payments increasing every month. I'm insured through XXXX, but they stated that my annual premium actually down. None of this information was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father XXXX XXXX maintained an account at PNC Bank until his death on XXXX XXXX 2016. He was pronounced dead on XXXX/XXXX/16 at XXXX XXXX. His e wife who was granted Power of Attorney when he became ill went in the PNC bank in XXXX NJ the morning of XXXX XXXX, 2016 and withdrew the whole balance of {$66000.00} and opened an account in her name. At no point were any questions asked to the nature of her transaction. We have contacted the bank and were told they are not liable even though Power of Attorney ceases to be valid at the death of the account owner. They instructed us to contact a Lawyer and they would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: NY
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 never engaged in giving this company the consent to obtain my information, this company is unlawfully reporting, and this is in violation of law made by congress this information is not information relating to any transaction by me.

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 2021-11-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX, I transferred money from HSBC to my bank account in XXXX. However, so far the resources have not been made available. 
I'm trying to contact an HSBC bank manager to let me know the XXXX code so the recipient bank can find the resources. 
Through the contacts made available to me, I am unable to speak to anyone who can resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a Discover student loan current under repayment. The loan has increased the APRs that are now around 8.75% and the minimum payment is coming to a total of $XXXX per month. The company was providing me with a lower monthly payment ($XXXX) that was basically only paying the monthly interest but not decreasing the total debt at all which is extremely frustrating but at least I was being able to keep the payments on time. Now, they have stopped the lower payment and are demanding me to pay the total minimum of $XXXX. Just to better explain my entire situation, I have another student loan that is paid directly to XXXX University on a minimum payment of $XXXX. So, with both student loans combined, I am required to pay a total of $XXXX in student loans repayment every month. I just graduated from college 1.5 years ago and I'm an XXXX XXXX starting my professional career in XXXX XXXX. This total amount of $XXXX  already corresponds to more than 50% of my monthly salary. I would love to pay the entire amount or even more to get rid off this debt as soon as possible, but right now I just can't. I don't have the financial means to keep up with such a high bill. I still have to pay for other expenses that are necessary for my personal well being such as rent, utilities, food... I have tried to talk to Discover to lower the payment and reduce the APR so I could continue to struggle but at least keep the payment on time but they have refused to provide any help.With an APR 8.75% for the past 5 years, they have already accumulated such a big amount of interest on this loan and they are still extremely greedy about reducing the APR or providing help. I haven't even started to repay the original amount yet. Every payment has been towards interests only. I really don't want to fall behind my payments but I really can't pay their minimum of $XXXX.

Company response to consumer: Closed with explanation