BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Dear Sir/Madam : In XX/XX/XXXX we closed on our property at XXXX XXXX XXXX. 
During the closing we had paid approximately XXXX in closing cost and XXXX down payment on the property. Our credit score was > 700+ however we had received a very high interest rate ( see attached ) as well as a recommendation for XX/XX/XXXX mortgage. We had purchased through a mortgage broker. 
1. At the closing we did not realize that the XXXX was not added to the cost of the house instead of XXXX our first statement indicated XXXX. we called HSBC and was told a correction would be made several times as of today this was never rectified. 
2. During hurricane Sandy we requested to refinance, we were told we were not eligible and would be better qualified for a mortgage modification. 
XXXX. Due to severe damage to the roof of the house and the amount to be paid monthly they offered us during this process, to pay half which we did until the modification was completed. Please note from XX/XX/XXXX until present we were never late on our mortgage payments. 
XXXX. After the modification was completed XXXX was added back to the house payments. With a 4 % interest rate. 
XXXX. Several months after, our mortgage was sold to XXXX XXXX XXXX 
Over the pass 8 years we have paid our mortgage via XXXX XXXX, and in reviewing our payments which has increased over the years, we called XXXX XXXX on Friday. We were told we have another escrow shortage of $ XXXX, which will then increase our mortgage payments again. 
They suggested we refinance. Then they told us we have a XXXX mortgage, but over the years we are now at 32 years. We have been living in this house since XXXX. We thought we had roughly 15 years left to pay off the mortgage. 
We would like some form of assistance in reviewing both HSBC prior mortgage and this current mortgage. 
Please advise. 
Respectfully, XXXX XXXX + XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: MidAmerica Mortgage Inc
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mid-American Mortgage company required people to send in checks. They were sent in on time, they were not cashed in a timely manner, and when they were cashed, their automated system had already added late fees. XXXX is correctly updated after many hours of phone calls, but XXXX and XXXX was not. 

Here are the checks that I sent in XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} : XXXX XXXX, but have bank statement XXXX : Wire transfer Texas XXXX XXXX  XXXX XXXX Amount : {$1500.00} We closed the house in XX/XX/XXXX, but they charged me for that month as well and will not remove it. 

The issue has been me trying to get into rent or a home and their inability to update reports, make me jump through a long drawn out process ( prove to us you paid us ) and their departments lack of desire because the account is paid off and closed. Is now hurting my ability to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: NCC Business Services, Inc.
State: GA
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 XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXXXXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: BMW Financial Services NA, LLC
State: SD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
BMW Financial Services is refusing to take a payment for the lease in full as vehicle needs end of lease and I have decided to purchase vehicle. BMW Financial wont take a check unless through a captive dealership or directly from me. Now not only have I thought the vehicle was fully funded as I was told my new loan funded so I put new brakes and rotors on vehicle costing over {$700.00} but I am liable for both the lease payments and the new loan payment which hasnt even funded the vehicle as BMW refused the check from XXXX XXXX. This is a monopoly forcing me to purchase and pay more for vehicle through their dealership than using a third party to purchase the vehicle. Now I am out money there I should not be having to pay. Nothing in my original lease agreement. States that I must purchase a vehicle through a captive are authorized to BMW dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: National Credit Systems,Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was living at XXXX XXXX XXXX in XXXX. I lived at the apartment complex for two years. The department manager filed an illegal claim against me due to racism, and for a compliant I filed a complaint with HUD against the maintenance man. 
Later XXXX XXXX file an illegal claim for rent and possession. I did not owe rent. I was not late, and the apartment manager told me that she was going to file this claim against me, and would not post my rental payment to my account. 
XXXX XXXX lawyer file an illegal claim for rent and possession. The court granted XXXX XXXX possession, but they got a XXXX money judgment. I was not served properly, and XXXX XXXX submitted a false affidavit that I waived my rights during the pandemic. 
I was checking my credit scores when I found that they use a company NATIONAL CREDIT SYSTEMS and put this on XXXX XXXX credit report. My credit scores went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BBVA FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
XXXX reported to XXXX  that my account was closed and a charge-off, but I have never made a late payment and I don't carry more than a {$100.00} balance ( {$3000.00} credit limit ). The problem I am having is my other credit card company BBVA said they received information from XXXX  about this XXXX account and as a result have reduced my credit limit from {$5000.00} to {$1300.00}. I've tried to explain this, but my credit limit with BBVA hasn't been restored ( since they're using false information ). 

I receive an email from XXXX  acknowledging the false information and that my report has been updated as of today XX/XX/2021. I am in the middle of refinancing ( being added to a mortgage ) and I need to make sure my credit stays as it was when I applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second time this debt hit my credit score, below is a copy/paste which summarizes what transpired. Looks like XXXX decided to hire a new collection agency even though they acknowledged the debt is not real. The new collection agency ( Amsher Collection SE ) has not called me but has made a negative statement which hurt my credit. 

" This debt was the result of a double billing error from an old XXXX  Internet account. On XXXX/XXXXXXXX, I spoke with XXXX of XXXX, who confirmed that this was a double billing error and it will be removed. XXXX gave me the number for XXXX XXXX ; I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( Ticket # XXXX XXXX XXXX ) and I was told that the amount would be taken out of collections. Despite all my attempts to resolve this double billing error, XXXX XXXX XXXX continues to report this false delinquency on my credit report, they have contacted me by phone, and send me e-mails demanding that I pay a debt which they have acknowledged to be a double booking error. XXXX XXXX XXXX has caused emotional and financial damage due to my lower credit score ( which affects my interest rates ) and the stress that comes from receiving false collections requests. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield in XXXX, Florida called me looking for XXXX for a rental agreement that was identity fraud. This was not me. I asked them for email confirmation with this statement and I have still yet to receive this file. They told me I need to fill out an identity fraud affidavit and a police report. I told them i will not do this until i get the paper work with them. I also called the apartment complex but have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX Account Number XXXX has violated my rights. In accordance with FCRA 1681a-Definitons ; rules of construction ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consume and the person making the report ; 15USC 1681b permissible purposes of the consumer report.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to access credit report online with Equifax. Information was requested regarding Identity. That information was provided XX/XX/ and the site is still blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. Equifax was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
In my XXXX endeavor to resolve this matter, I want to emphasize that this marks my XXXX  attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have XXXX refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Convergent Resources, 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 WAS ON MY CREDIT MONITORING SITE AND NOTICED A FRAUDULENT ACCOUNT THAT IM GONE PUT IN THIS COMPLAINT HAD NO KNOWLEDGE OF I WOULD LIKE FOR THIS ACCOUNT TO BE REMOVED OFF MY CREDIT REPORT BECAUSE ITS AFFECTING MY CREDIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act provides protection to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2021-11-29
Company: Westcreek Financial
State: SC
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:
Ive reached out to this company several of times via mail, to explain that I have no acknowledgment of this item, which is inaccurately reporting on my credit file. This item has caused great damage to my career and financial ability. As Ive had several issues with obtaining financial assistance because of this inaccurate negative item. I will be seeking legal assistance for pain and suffering in regards to this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-03-10
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: Was not notified of investigation status or results

Complaint:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

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