BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: BMW Financial Services NA, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was transferred to another lender so the balance should be $ XXXXBMW FINANCIAL SERVICES claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that the reason why I wasn't approved is because there are accounts in negative standing on my credit report. I looked through every account on my credit report and I saw four accounts that I never opened. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. None of the accounts that were opened with those companies in my name belong to me. I do not have any written/verbal contract with those companies nor did I allow anyone to open those accounts on my behalf. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards those accounts. I have already reported these unauthorized accounts to the police department as well as with the Consumer Financial Protection Bureau.

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 2017-12-19
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer was recently changed to XXXX ( specialized loan servicing llc ) mortgage servicing. They acquired my mortgage from XXXX XXXX in XXXX. I have a conventional loan with a loan to value ratio of more than XXXX percent. This means that I do not need an escrow account at all and I signed the closing documents showing this. 

Back in XXXX of XXXX I purchased a flood insurance policy as requested by XXXX XXXX and gave them the proof of food insurance. I purchased a policy starting in XXXX and ending in XXXX. Specialized loan service was faxed a copy and verified they do have it on file. They still increased my fixed mortgage payment, ( which was XXXX XXXX & increased it to XXXX. They created a escrow account and are now charging me as if I dont have flood insurance. Ive attempted over 4 times to speak with them over the phone but they hang up on me or leave on hold for several hours. I feel this is illegal especially since I have proof of my paid off flood insurance policy and paperwork showing I would not have an escrow account when created the loan. I am requesting a full internal review of this company who seem to prey their customers. 

XXXX refuses to work with me or help me with this issue. They can not force escrow upon me for a service I already have! I already have flood insurance active since XXXX XXXX! This is before they were servicing my loan!!

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 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  and XXXX, I

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2020 called the credit bureau to dispute inacccurate information. As of this day, the incorrect information is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: OH
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-08-31
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Thursday XX/XX/XXXX I called Bank of America to close my checking account, which had approximately {$1400.00} remaining in it. 


On the phone I was told that my options to settle the funds out of the account included ACH transfer for a {$3.00} fee that would take up to 3 business days. Unhappy with the fee proposed to close my account, I asked for an alternative settlement option. I was told that a Cashier 's Check could be mailed out to me without incurring a fee. I was told the Cashier 's Check would be mailed in 2 business days. I accepted this option as I did not want a fee, and the 2 business days was an acceptable timeframe for me. 

Today, Friday XX/XX/XXXX, having not received the cashier 's check yet via mail, I called into Bank of America to inquire if there was a tracking number they could provide for the Cashier 's Check. I was told by the first representative I spoke with that the Cashier 's Checks take roughly 2 weeks to arrive. When I told her that the previous agent on Thursday XX/XX/XXXX had confirmed a 2-business day lead time, the representative said that was incorrect.

I was transferred to the department that handles the issuance of these checks and they told me that they have no way to track the checks, and do not even have a confirmation in their system of whether or not the check was indeed sent out. She recommended that I continue waiting at least 10 business days from the date the account officially closed ( Mon. XX/XX/XXXX ). If the check has not arrived, then I can request a new Cashier 's Check, which will take 7-10 business days from that point.

This is entirely unacceptable from a major banking institution. They should 1. offer no-cost ACH transfers when closing accounts. or 2. Have actual controls and tracking system in place for checks that are mailed.

Having been told completely incorrect information that determined my decision to use Cashier 's Check, I have little confidence that the check will arrive in a timely manner now. I have no ability to view the status of the check. Bank of America is making it difficult and untimely to access my own money.

The first agent I spoke with today said she always recommends customers use transfers when closing out their accounts to avoid this type of issue, however they charge a fee to do so. This seems like a sketchy at best business practice and one that should be scrutinized by the CFPB. Bank of America does a considerable amount of harm to the working class in this country through their fee structure and ridiculously low interest rates for deposits ( being the key reasons I sought an alternative banking partner ).

While Americans do have freedom of choice to change banking partners, they should not be penalized for deciding to change.

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
Consumer complaint received 2019-08-28
Company: Student Loan Financial Assistance
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Student Loan XXXX  contacted me at work and I wasn't able to hear much and I think I agreed to them taking payments since I see an slfa.us has taken a payment from me. I have tried to contact them to cancel the payments with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2015 Mohela/Dept of Ed added a derogatory mark on my credit report XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX XXXX. This account was transferred sold. Debtors creditor did not verify this collection mark. Also, there was no written form of communication of accused debt. I was always in forbearance. Anybody can send a bill and say its my bill. According to the FCFA Mohela/ Dept ed has violated my rights as a consumer and I'm requesting legal action to remove the late payments from XX/XX/XXXX and XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 keep opening and closing an account on my trans Union and my XXXX credit report. Ive wrote numerous letters to have it removed. I would like it removed from my credit report asap 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to transfer my title to Florida for 4 months and my license plates expired in XXXX. I pay Wells Fargo for a small business loan that they have my vehicle title as collateral for. When I call them, they say they have shut down the small business department and nobody seems to know who to contact. Finally, 3 months after I requested the form, they emailed me and said the DMV has my title. Which they do not. I need help from someone else as I have exhausted all resources to get the title of this vehicle transferred to where it needs to be.

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 2015-07-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient will not remove my cosigner despite paying the loan on time for four years, making $ XXXX/salary, having a good credit rating, providing my XXXX diploma as all required through their website. I have already paid {$80000.00} in interest. On top of this my interest rates are higher than my credit cards and they will not lower them. Some are at 10 % on loan amounts {$28000.00}. They wo n't consolidate, lower interest rates or provide any other sufficient ways to repay this loan without accumulating massive amounts of compound interest. The school I graduated from is not XXXX and has closed XXXX campuses XXXX XXXX XXXX XXXX XXXX. This is fraud/swindle and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Capital Management Services, LP
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled my account with Capital Management Services LP and XXXX still reporting a balance. I would like a Settlement Letter and for XXXX to updated on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: TX
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 have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} XXXX XXXX XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-

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 2021-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: CITIBANK, N.A.
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:
On XX/XX/2022, my student loan checking account was hacked, and multiple transactions were placed with a foreign code reference name XXXX. One of the transactions was a XXXX transfer of {$2400.00}. I called citibank immediately once I was notified of " odd charges '' that these were not mine, and I was told they would reverse the funds back into my account and " not to worry as it was obvious this was a chain of fradulent charges. '' While the other 3 transactions were refunded, this particular, large one was not refunded. The service rep that took my information stated in the report for this particular transaction that I " okay 'd '' the transfer which is false. I appealed these three separate times and was denied even after the branch manager negated that statement. I have filed multiple complaints, which have all gone unaddressed.

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 2017-12-19
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 have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand 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