BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NJ
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 a victim of fraud and this company is reporting numerous accounts on my consumer report i have asked this company to remove these accounts and they refuse to i have a FTC report and the number is XXXX. 15 usc 1681 A section 2 states that a consumer reporting agency can not furish a account without my written instructions and i challenge this company to provide the proof that they have 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 2017-08-11
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
7 years ago my ( XXXX, who XXXX 3 years ago ) husband had a credit card. 7 years ago we owed {$6000.00}. Today I owe {$4300.00}. BBVA Compass Bank is charging me 14.240 % on {$2500.00} purchases. 23.240 % on {$1700.00} cash. This company has been gouging me on interest payments. I am XXXX, in a XXXX and on XXXX. I only have XXXX XXXX and no other assets. After paying rent, food, utilities, insurance premiums and prescription drugs ( plus minimum payments to Compass Bank ), I only have {$28.00} left. I ca n't even afford XXXX XXXX, clothes or shoes. I called on X/XX/17 at XXXX XXXX and the bank would not even look up my account. I was put on the debt list because I missed the due date by one day. I do n't have the credit card anymore, because my husband XXXX 3 years ago. The bank was not helpful at all. I asked to speak to a manager, but she was unavailable. I tried to go to a Debt Consolidation Company, but you need debt of at least {$10000.00}, so I do not qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 XXXX XXXX Amount : {$75.00} Date Opened : XX/XX/2020 I have did a thorough investigation and these accounts are inaccurate and I don't recall these accounts. 

In accordance with the Fair Credit Reporting Act XXXX Account, 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 a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Recovco Mortgage Management, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied at Sprout Mortgage over 90 days ago. Worst process ever. After 90 days I finally was told the loan was approved. They then waited another 3 weeks to schedule my closing. Due to delays on their end ( their words ) they have now raised my rate twice and said they have to redisclose again the new rate and that would not take 3 more weeks. It is like groundhog day over and over and they keep charging me more money and higher rates. I went online to look at reviews and there are hundreds of others in the same boat with Sprout. They need to be shut down before hundreds more get taken by them. I am a single mother and this has really hurt my family. I am a super qualified borrower so this should not happen. PLEASE LOOK INTO SPROUT MORTGAGE ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this.

I again continued to dispute b
ecause o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates LLC have been extremely gracious regarding 3 accounts I had with them. After placing me on a hardship program regarding my having had a XXXX, XXXX XXXX, XXXX XXXX, and a XXXX child of mine being diagnosed with XXXX, they sent me letters relieving me of my debts. I paid on them as long as I could. The letters stated they were either considered paid in full or that I did not owe any more and that they would be deleted from my credit reports per their updated policy. They are still being reported and with the amounts I had owed, nothing has been updated. 
I have tried to reach out to them again and due to the virus ( I'm assuming ) I can not get any help. 
I want this published not out of malice, but because of their poor reputation and how reaching out anyway helped me more than they will ever realize, and how nice they were to me. I regret that I know no other way to resolve this and I do not believe it is being done to be hurtful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I submitted a complaint against my lender for charging me excessive fees and not being open about what they were applied to, I have included a copy of that complaint in the document section of this complaint. On XX/XX/2020 Ameris sent their response, also in document section. Since XX/XX/XXXX I have called Ameris weekly to try to get answers and they will not give them to me. In the breakdown of reinstatement there is {$380.00} in late fees, {$210.00} in property inspections, {$1000.00} in reinstatement fees, {$6300.00} in foreclosure fees and {$16000.00} in escrow advances. They did not and have continued to refuse to answer what the additional {$8000.00} was for. The questions I would like Ameris to answer is what is the {$1000.00} in reinstatement fees and how is that assessed and distributed. I would like to know what those fees are for. I looked up the case that the foreclosure fees are associated with and have included a docket entry from Ameris 's counsel titled Affidavit To Reasonable Attorney 's Fees and Affidavit of Attorney as to Costs and Time Expended. Both of these documents state that {$3000.00} is standard. Why was I charged so much more? Also, if the total to reinstate was {$270000.00} what was the actual principal that was due? I am concerned that my reinstatement has been inflated greatly to put me back into foreclosure even after I sent the {$27000.00} and charged me an additional {$8000.00} which I could not secure and went directly back into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
It appears to me that the issue at hand ultimately defines itself as " Extortion. '' The lease ended on XX/XX/2020. I aked BMW financial services to extend the loan and was told, " Dear Mr. XXXX : Thank you for contacting BMW Financial Services. We hope you are healthy and safe, and we are here to assist you during this difficult time. Our records indicate that your balloon payment is due on XX/XX/2020. Regretfully, we are unable to extend the maturity date on a select account. '' It is unclear what it means by " select account. '' My understating of the above statement is that we do not care whether the entire world is in the pandemic and disaster. We want our money. 

The primary issue on this complaint is that the amortization calculation indicted as of XX/XX/2020, that I owe {$10.00}, XXXX ( see attached ). However, the payoff instruction indicted that I owe {$12000.00}. 

There is a {$1300.00} discrepancy. 

I sent two emails requesting an explanation. BMW financial services decided to ignore me and did not respond to my emails ( see attached ). 

I had to borrow money to send the extra {$1300.00} because I was afraid that they would intentionally and unjustly report me to credit bureaus. The pay off check was sent via XXXX. 

On XX/XX/2020, while the entire country was on lockdown, BMW financial services wrongly report 12 late  payments to three Credit Bureaus to intentionally demolish and destroy my excellent credit history. 

I have been filing the second complaint shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX 2023 I noticed I had a negative mark on my credit report undisputed these charges which are XXXX which are not mine Ive never lived at that address on file & its not connected to my credit report at any of the XXXX bureaus its the agency is still reporting a balance I spoke with TransUnion on XX/XX/2023 I was told that the account was verified I asked them how was the account verified I was told by my social security number and name I never done business with this company which is version I have never signed any contract with them I didnt even live in the state of XXXX XXXX when these charges came about the negative marks are hurting my report in this time of me trying to purchase a home I need this negative item removed so I can buy my home without paying high interest rates 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 non-monetary relief
Consumer complaint received 2020-11-03
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer dovenmuehle sold my loan and never recieved a letter about this. They also would accept the next payment to forward to the new service during the transition phase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Dealing with Trans Union. I have called them numerous times and they have refused to remove old inaccurate information which is keeping my credit score artificially low.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # 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 2020-05-29
Company: Experian Information Solutions 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:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I HAVE HAD AM ACCOUNT WITH AMERICAN EXPRESS SERVE FOR WELL OVER 4 YEARS. HAD HUNDREDS OF DEPOSITS AND 3 TAX REFUNDS DEPOSITED TO MY ACCT. THIS MORNING XX/XX/2020 I WOKE UP TO AN EMAIL SAYING I RECEIVED MY UNEMPLOYMENT DEPOSIT. AFTER THAT MY ACCOUNT WAS LOCKED AND FROZE AND WAS UNABLE TO GET ANY INFORMATION AS TO WHY. NO WARNING NO REASON THE MONEY JUST DISAPPEARED AND ACCT CLOSED. I CALLED THEM WAITED ON HOLD FOR 6 HOURS AND SPOKE TO 4 DIFFERENT PEOPLE, 2 SUPERVISORS AND NOT 1 OF THEM COULD GIVE ME A LEGITIMATE REASON AS TO WHY MY ACCT WAS LOCKED AND SAID THEY WERE UNABLE TO EVEN SEE  MY ACCT BECAUSE ITS LOCKED. I HAD {$980.00} IN MY ACCT AND NO ONE HAS AN ANSWER. THIS IS UNACCEPTABLE. I AM NOT SENDING MY PERSONAL INFORMATION TO SOME RANDOM PO BOX . SOMEONE AT AMEX STOLE MY MONEY AND I WANT IT BACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This the 7th time i've reach out to Experian and still haven't got results this very last time was dated on XX/XX/XXXX Experian Company responded on XX/XX/XXXX saying that my CFPB complaint does not appear to have been sent directly by me or to be authorized by me which is FALSE, i don't understand because i'm NOT working with anyone or any credit company i'm doing this complaint and disputes myself ... in the past i have called Experian and filed a dispute over the phone that did not help at all!! just got a letter saying all the fraudulent account was verified with no explanation or proof when that didnt work ... 8 months later i log into the Experian dispute website and filed a dispute with supporting documents such as FTC report POLICE report ID and still haven't got a result next i mailed letters to Experian still nothing even FILED a complaint with the CFPB which they replied saying that i need to do it over again because they feel like i didnt authorized my complaint my Experian Report Number is XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report was open fraudulentlymy FTC Report Number XXXX and Police Report number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days ACCOUNT NAME : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} i sent in my FTC report and also My police report .... my next step is to hire a attorney to help me with this matter if Experian continue to not fix this issue i already place a fraud alert

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 2020-05-20
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: Information belongs to someone else

Complaint:
There are Three accounts that are reporting on XXXX, XXXX  and Experian. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX CARD showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH XXXX  AND THEY DELETED THE XXXX INQURY BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED ANS XXXX PLEASE

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 2020-12-09
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Below are the open and close dates for each of the disputes I have opened with Discover. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the Discover account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 

1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: HYUNDAI CAPITAL AMERICA
State: KY
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:
To whom this may concern : I am having an issue with XXXX XXXX requesting my title, I contacted them and spoke to XXXX whom stated to fill out online email that I need copy of the title to do state to state title transfer. I submitted it and now called a month later and was told it was rejected. Now I need do start the process over with another set of guidelines and only have a couple weeks to get this resolved since my vehicle reg. expires. No one called or emailed to let me know the issues. I just spoke to XXXX a supervisor who stated good luck here is another set of documents needed. I asked to speak to a manager over titles to advise of my situation she refused said no. No customer service .....

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 2020-05-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are Three accounts that are reporting on XXXX, Equifax and XXXX. 

I have submitted police reports and fraud affidavit reports with the disputes. They are still giving me a hard time. 




Three accounts that have inQUIRY and accounts open in my name by fraud!!!!! I did not open these accounts! I am a victim of identity Theft. 


Accounts XX/XX/XXXX XXXX XXXX XXXX  showing a balance of XXXX AND ACCOUNT NUMBER IS ( XXXX ) When I called them I spoke to a women name XXXX and she stated someone opened an account in my name and the real balance is XXXX not XXXX but that doesn't even matter because this is NOT MY ACCOUNT!!!! PLEASE DELETE!!!!! 

THIS ACCOUNT IS SHOWING AN INQUIRY AND ACCOUNT OPENED! 

XX/XX/XXXX, XXXX XXXX  XXXX ACCOUNT NUMBER ( XXXX ) BALANCE OF XXXX NOT MY ACCOUNT PLEASE REMOVE FROM MY ACCOUNT I DID A DISPUTE WITH ALL THREE AND ALL THREE IS GIVING ME A HARD TIME. 

I SUBMITTED A CLAIM WITH EQUAFAX AND THEY DELETED THE XXXX XXXX BUT NEVER DELETE THE ACCOUNT. 


PLEASE DELETE ALL INQURIES AND DELETE XXXX  ACCOUNTS I LISTED XXXX XXXX PLEASE

Company response to consumer: Closed with explanation