BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, addresses, names and did not authorize companies to run my credit. Please remove them.

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 2019-10-21
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I submitted an application to refinance our VA loan through XXXX, a mortgage broker, on XX/XX/2019. The broker requested numerous types of documentation which we provided by approximately the middle of XX/XX/2019. Also, I think it's worthwhile to note that our credit scores are in the high 700 's. At some point, we locked in a rate of 2.75 % which expires on XX/XX/2019. 
I'm not sure exactly when the loan was sent to underwriters at Loan Depot,   but there was a conditional approval made on XX/XX/2019. Since that date, we have received one request after another for information. Every week goes by without a closing date and every week there is another request by Loan Depot. Today they said they needed he mortgage statements from our current mortgage holder which originated in XXXX XXXX 'm pretty sure that origination date was readily available to them within our credit report back at the beginning of all of this and had ample opportunity to request that information before now. 
I think that one of two things are happening here : 1. They are dragging out the length of this loan process so that the 2.75 % rate expires or ; 2. They don't have the monies for funding. 
I appreciate your attention to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Express Cash Mart Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
reporting inaccurate information costing me higher rates the XXXX or XXXX was total loss wrong address cra and hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TD BANK US HOLDING COMPANY
State: NY
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:
My TD bank debit card was used fraudulently while the card was still in my possession. The scammer used my debit cards information and made several transactions totaling {$7900.00} made to XXXX Resorts and XXXX. The transactions were itself suspicious in nature, yet no action was made to stop the transactions from going through. I started a fraud claim with TD Bank on XX/XX/XXXX and it resulted in the bank denying any fraudulent activity had taken place. 

List of fraudulent transactions : XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX - {$300.00} XX/XX/XXXX - XXXX XXXX {$610.00} XX/XX/XXXX - EVI XXXX - {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear Sir or Madam, I would like to submit a formal grievance against BMW Financial Services as it pertains to the timely payment of my auto loan. 

I financed a new car through BMW Financial Services on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I received an email from BMW which welcomed me back to their company, and suggested that I sign-up for paperless billing statements, and re-enroll in easy pay ( automated ACH drafts ). I did both. I also changed my billing date from the XXXX of the month to the XXXX of the month. BMW allows you to change your billing date 3 times throughout the life of the loan. Confirmation of my easy pay enrollment, and billing date change are attached to this grievance. 

BMW sent me an email on XXXX XXXX, notifying me that my account was past due, but instructed me to ignore the email if I had made payment arrangements. In my mind, payment arrangements were made, because I changed my billing date to the XXXX. 

On XXXX XXXX, XXXX I received another email from BMW requesting that I contact them immediately about the past due balance of my bill. I spoke to XXXX and then escalated my call to a manager named XXXX. 

The agents informed me that I was indeed delinquent on my account, and needed to make a payment that day in order to avoid a late charge. I tried to explain to the agents that the automated IVR system explained to me that a payment would be drafted XXXX XXXX. According to them, my payment was due on XXXX XXXX. 

Here is my complaint : regardless of whether or not my payment was due XXXX XXXX, or XXXX XXXX, because I was enrolled in auto-pay, BMW holds the responsibility to debit my account on the due date. BMW failed to do this, therefore my account became delinquent, and had I not intervened, a late charge would have been imposed. 

At best, BMW has created a poor customer experience. At worst BMW has engaged in illegal activities as stated in sections 1031 and 1036 of the Consumer Financial Protection Act which prohibits a covered person or service provider from engaging in any unfair, deceptive or abusive act or practice. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ). 

The activity is unfair because the late charge could not have been reasonably avoided even though I was enrolled in auto-pay 36 days before the payment due date. 

The activity is deceptive because I received conflicting information from BMW regarding auto-pay and changing my billing due date. If I am enrolled in auto pay, payment should have been attempted on the due date. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently opened an XXXX  checking account and linked XXXX  consumer credit card with HSBC NA in XX/XX/2018. After making several charges on the card, any further transactions were declined as of XX/XX/2018. Since then, I have not been able to use the card OR access my online checking account. I have called repeatedly to HSBC and have been transferred to the security team ( XXXX ). This line simply puts me on hold for 2 hours and then disconnects the call EVERY SINGLE TIME with no one picking up. I have been calling every single weekday since XXXX, starting at XXXX EST, which is the opening time. I have NEVER had my call answered despite repeating this an average of 3 times a day. After being on hold for 2 hours, the line disconnects. If I try to call by the end of the day, I am placed on hold and then disconnected as of XXXX EST. Whenever I talk to anyone else at HSBC, they state that no one else can fix my problem and that is the only department that is authorized to handle this issue. They refuse to help and state that there is no supervisor, managing office, or alternate means of contact to resolve my issue. I am basically cut off completely from my checking deposits and credit card use. I have tried multiple other phone lines and twitter help. I have not had anyone attempt to call, e-mail, or text me for verifying fraud on my account, as is listed on the HSBC website. This is simply unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I signed up to Gemini ( Gemini Trust Company LLC, XXXX XXXX XXXXXX/XX/XXXXl XXXX XXXX XXXX, New York XXXX United States ) on XXXX XX/XX/2020. I used the service successfully until XXXX XX/XX/XXXX. 

I discovered that my account was froze n on XX/XX/XXXX. I submitted a support ticket the same day. Gemini contacted me on XX/XX/XXXX to advise that my account was being reviewed by their compliance team. On XX/XX/XXXX, I receive an email appearing to suggest that the iss ue, from their point of view, has been resolved. However, from my point of view, it is not resolved : the account is still frozen. How I have been affected? 

I have XXXX GBP in my Gemini account. I am unable to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM
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:
CBF Services is reporting a collection on my credit file that needs to be removed. I have been disputing the account with them and the bureaus and this has not been removed. I was not aware about this debt and as soon as I was I paid it off immediately. I only found out because it was on my credit, I never received a 30 day right to dispute notice. This is a violation under the FCRA and for that I ask this collection be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
Equifax has placed a block on my credit report making it unavailable for verification. I have faxed over and mailed my State ID and Social Security number and it has still not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Opportunity Financial, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying this loan for more than a year and the principal has not changed. I borrowed {$2000.00} and have paid {$4600.00} into this loan to date. 
When I called about this, the company said I could increase my payments if I wanted to pay it off faster. The company keeps changing the amount deducted, reducing it so that no principle is paid, just interest fees.

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 2021-02-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a letter in XX/XX/XXXX stating my mortgage was increasing due to a increase in my insurance and taxes. I was very concerned so I called early XX/XX/XXXX and spoke with a very nice person who took the time to explain what was going on. I expressed my concerns about the increase and was told there was a shortage in my escrow account. The lady took the time to give me the exact amount needed and emphasized that when I call make sure I tell them this is for the escrow. I did exactly as instructed. However this mortgage company has been rude and totally ignoring my request they have taken my money and refused to apply to my escrow. They have hung up on my numerous times. Unprofessional passing blame and insisting there is nothing that can be done. This is s complete disgrace. I did my best and the company is refusing to listen or help. Please take the time to assist me before it too late. Lakeview loan services is the absolute worst. They need to hire adults who listen and follow up. I need help getting the monies applied as they have deliberately made a mess the stress and the lack of respect shown by this is unacceptable. Please advise. I've been calling for 4wks with no 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 2018-12-20
Company: WLCC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
on XX/XX/18 XXXX  XXXX pulled funds from my bank card they did not have permission to pull from. I contacted XXXX with the collections dept and informed her and they stated they would refund the card and that she would be in touch with me after the refund took place to set the future payment plan. On XX/XX/18 i received a call from her stating a payment needs to be made today as my pay date is tomorrow. I told her whoa you just contacted me and want a payment. She stated i called you on XX/XX/18 and you didnt return my call. I stated ok you never left a message and im not going to awnser a number i dont know. She said well the phone works both ways XXXX so dont come at me like that. She said hold on im gon na send you to the general manager. I forgot his name but he was rude. Stated he would send this to my bank as a fraudulent transaction. He stated he would require payment now and he wasnt going to play games with me and this will be handled man to man. He was one of the rudest people i have ever encountered on a collection call

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a Synchrony Bank/Discount Tire Customer for 14+ years. The last time I purchased anything on the account was in XXXX of XXXX. I paid the card off in XX/XX/XXXX. I logged into the website to check the account and see how much my credit line was to find out that they company had closed my account in XX/XX/XXXX. I reached out to the company and they stated they had mailed a letter. The company confirmed my mailing address. To do this day no letter has been received, they have the correct address. The reason my account was closed was due to our credit score decreasing due to other companies lowering our credit limits and our debt ratio looks terrible now. What poor customer service and to cancel an account for a long time customer with XXXX balance is completely absurd.

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 2018-01-29
Company: EQUIFAX, 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 am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Monterey Financial Services LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In mid XX/XX/2017 I went to XXXX XXXX XXXX to look at puppies. The lady at the counter told me I could finance the puppy. I applied at XXXX XXXX XXXX and XXXX XXXX. When I applied for XXXX XXXX XXXX I was told I could take the dog same day. I paid a {$300.00} deposit over three weeks and was told the purchase price of the puppy was {$3000.00}. I have since lost my paperwork when my home flooded due to Hurricane Harvey. I  applied online to finance the dog and was approved. I was told my payment would be due in XXXX. It was my understanding that I was getting a loan for the purchase price of the puppy. I would have never agreed to pay {$6500.00} for a dog. The amount of {$6500.00} never presented itself with anything I signed, viewed or agreed to when purchasing this animal. In addition, the dog has had to have XXXX, and has fell ill twice ; once within the first week of getting the puppy. Had I known someone expected me to pay {$6500.00} for this puppy, I would have never left the store with the puppy and/or I would have returned it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
THIS COMPLAINT IS IN RESPOND TO THE COMPANY 'S LETTER THAT WAS SENT WITH NO DATE NO. AN ORIGINAL DISPUTE WAS FILED REQUESTING A REFUN FOR THE WARRANTY THAT WAS SOLD BY CAR MAX, NOT THE VEHICLE BUT THE WARRANTY. CARMAX SENT A RESPONSE STATING I REQUESTED A REFUND FOR THE CAR, LIES. WHOEVER RESPONDED TO THE COMPLAINT OBVIOUSLY NEEDS LESSONS ON COMPREHENSION. WHEN I WAS SOLD THIS CAR, I WAS THE EXTENDED WARRANTY WOULD COVER EVERYTHING, AND I WOULD NEVER WORRY ABOUT OUT OF POCKET COSTS FOR MORE THAN XXXX DOLLRS OR SO, WHY? BECAUSE CARMAX 'S WARRANTY WOULD COVER IT. I WAS TOLD THIS WARRANTY WAS THROUGH CARMAX NOT A 3RD PARTY, TILL THIS DAY I DON'T KNOW WHAT THIS SO CALLED WARRANTY COVERS, I HAVE ASKED FOR INFORMATION VIA PHONE AND WHEN I RECENTLY WENT TO MAKE A PAYMENT AND IT STILL WAS NOT PROVIDED TO ME. I AM PAYING FOR SOMETHING I AM GAINING NO BENEFIT FROM, EVERY TIME THERE IS AN ISSUE, I AM TOLD THE WARRANTY THOSE NOT COVER IT, BUT FACT IS DURING THE PURCHASING PROCESS I WAS TOLD OTHERWISE. I WANT A REFUND OF THE WARRANTY BECAUSE I WAS LIED TO PURCHASE IT BUT NOW I AM BEING GIVEN THE RUN AROUND. IF YOUR SALES PERSON GOT THE INFORMATION WRONG, THAT I SON YOUR COMPANY NOT ME, I KNOW WHAT I WAS TOLD, THAT IS WHY I BOUGHT IT IN THE FIRST PLACE. THIS COMPANY NEEDS TO BE LOOKED INTO, THIS IS UNACCEPTABLE ON MANY LEVELS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Am I correct that I am required to pay for a freeze on my credit for XXXX and XXXX? I discovered this only after I had to navigate around a service XXXX wanted me to pay for ( XXXX ) as an alternative to freezing my credit. It seems as though these credit reporting agencies are attempting to take full advantage of this Equifax hack situation. Equifax should foot the bill for these credit freezes that put at least 143 million ( most likely many more ) identities at risk for theft. At {$3.00} per freeze, these agencies stand to make XXXX XXXX XXXX of dollars as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: R.M. Galicia, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, I have disputed this with no outcome. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: ALLY FINANCIAL INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I decided to refinance my auto loan via where I have my checking and savings accounts. 
Per the request of my banking institution I requested a " Ten Day Payout '' document from the auto loan company. I received by email said document and forwarded on to my bank. My bank in turn sent a check to the loan company for an amount greater than the tenth day of the payout which was received and promptly processed and credited to my loan. 

HOWEVER, instead of applying the payment as a " payout '' it was applied as forty-five ( 45 ) payments, with my next payment due in XX/XX/2025. 

I have brought this error to their attention, and a supervisor with whom I spoke opened a " case '' to investigate. I heard nothing back from the supervisor as promised. 

Not receiving a response I sent letters describing my situation to various departments and Chief company Officers.

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