BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-19
Company: BMW Financial Services NA, LLC
State: PR
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am being contacted by a collection agency in reference to a vehicle that was obtain thru identify theft. I called and wrote to BMW finance explaining the situation but I have not receive and Identity theft report to fill out and send back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX due to Covid19 I was forced to go into a XXXX XXXX forbearance agreement with Dime Community bank holding the mortgage. I was out of the country at the time and was forced to sign under duress. Recently it has come to my attention that the Forbearance agreement is missing term start date finish date and amount to be paid. And that's why I don't know how much to pay and the finish date of the forbearance. ( See attachments ) Even in the banks letter responding to a complaint I filed against them. The Bank does give dates because they are missing information they says its a 12 month agreement where is the start date. 

Since the bank has merged with another entity I have not been getting my mortgage statements with amount due or when I did they were 2-3 weeks late. Case and point I have not gotten a statement for XX/XX/XXXX and the mortgage is due tomorrow XXXX XXXX!!!!!. I have emailed and called several loan officers at Dime informing them until they send me the statements I would stop paying the mortgage. They claim that the statements were sent but they were not! They could have emailed them! Ironically the threatening notices seem to make it to my mail box but not the statements! A check bounced and I stopped paying my mortgage as was promised. I finally got a hold a loan officer Ms XXXX XXXX at the Dime Community Bank that seemed reasonable we had a phone conversation agreement that I would make 2 payments in XX/XX/XXXX -Which I did and 2 payments in XXXX which I will make which will catch me up. 

THE DISPUTE is how much I owe on the forbearance agreement and since Dime Community Bank refuses to send the forbearance agreement accounting I don't know what the payment is. This is a simple matter which they Dime Community Bank refuse to resolve. 

The bank continues to stone wall by not supplying me with the statements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX  XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Have Contacted CFPB in regards to Experian and they have chosen not to remove the information on the report. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX removed the collection. 
XXXX XXXX XXXX XXXX XXXX and XXXX Removed. Not my Account. 
XXXX XXXX XXXX XXXX. Needs to be removed. Never lived at the address. XXXX XXXX XXXX XXXX, XXXX, AZ. XXXX. Please remove. 
Public Records Federal Tax Liens are released since XXXX. 
XXXX XXXX XXXX Never had a loan with these people. Removed from XXXX XXXX and XXXX. 
XXXX XXXX XXXX Do n't have an account with this collection company. XXXX XXXX and XXXX removed. XXXX XXXX XXXX XXXX never had an account with this company, A collection that I had sent a 30-day verification notice to on XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. XXXX XXXX XXXX Never had An account with this company. sent a 30-day Validation notice. No response XXXX XXXX and XXXX removedXXXX XXXX XXXX Never had an account with this company. Filed a Complaint to XXXX XXXX XXXX. XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. 
Inquires that have no written authorization. Car Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Any and ALL Auto inquires were never made by me nor was written authorization given. I have been contacting CFPB since XXXX/XXXX/XXXX, Have received updates from the repositories. Honestly, I do n't believe that Experian is working in my behalf in regards to the Fair Credit Reporting Act. Nor the Fair Debt Collections Act. My Date of birth is XXXX/XXXX/XXXX, yet Experian keeps reporting a different date. My employment is XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX XXXX since XXXX/XXXX/XXXX. to the Present. XXXX. XXXX XXXX XXXX, Is not my Company. I sent Experian a copy of my Passport, social Security Card and Veterans XXXX card. As they requested. This is really getting to bring my XXXX down. I am trying to get a mortgage. I am a XXXX. My XXXX is being held by XXXX XXXX XXXX, XXXX Really need your assistance in this matter. If I need to will exhaust my administrative remedy and file a class-action suit if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a XXXX XXXX XXXX credit card acct # XXXX ( XXXX XXXX, I have disputed this information with both Experian and XXXX XXXX XXXX. Explain allowed XXXX XXXX XXXX to verify, as accurate without providing proper information. Additionally, XXXX XXXX XXXX verified within the XXXX days verification process ( without completing complaint I mailed XXXX ) XXXX XXXX XXXX later mailed me a letter stating " you have not provided enough information to identify the account ... '' XXXX! this is a deliberate attempt by XXXX XXXX XXXX to basically " play stupid '' All information was provided have copies of certified mailing and letter ( notarized ) to prove XXXX XXXX XXXX 's deceit. 
Additionally, Experian makes it IMPOSSIBLE to add a consumer statement. I paid for the Experian Tracker membership, but there is not a reasonable way to add my consumer statement. I have called XXXX times XXXX day of week at the number Experian provides during business hours and although I held on line for over XXXX minutes each time ( have proof of these calls and length ) I was unable to reach any representative. I tried in morning and later in days. Experian is again manipulating the law and spinning consumers. I have filed a civil suit against both Experian and XXXX XXXX XXXX, I am keeping meticulous records and I intend to subpoena through the discovery process of all internal training videos and policy 's to expose both these unscrupulous corporations. As both are in violations of numerous statutes and i certainly hope through the CFPB someone actually addresses this behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Four Directions Lending LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Upon investigation of this company I found out that according to Maine law they were not allowed to charge me more than a 30 percent interest rate and a XXXX finance charge for the amount I borrowed. 
I emailed this company on XX/XX/2021 informing them of my findings and requested they return my overpayment. 
Up to that date I had paid XXXX payments of XXXX and XXXX payment of XXXX for a total of XXXX which resulted in an overpayment of XXXX after the deduction of XXXX for loan amount, XXXX in interest and XXXX finance charge. 
I received an email back indicating they had closed my account in good standing but would not return any money. 
I let them know that as far as I could see they had no license to due business in the state of Maine and regardless of their claim of tribal immunity they had to abide with state licensing laws. 
I have received no further responses from them. 
The fact that they closed my account so easily leads me to believe they are hiding something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: LA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested a copy of my credit report via Annual credit report. I contacted Experian on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Experian stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Experian because they had no record of my ever applying for credit with them and stated it was Experian 's error. I sent a letter via certified mail on the same day, tracking number XXXX XXXX XXXX XXXX XXXX which they received XXXX XXXX, XXXX requesting again for the erroneous credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Experian explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Experian even after it has been brought to their attention : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX ( I 've had a savings account with them since XXXX however I did not apply for any new products with them this past XXXX ), XXXX XXXX/XXXX/XXXX ( this should be under promotional because I never applied with them until XXXX/XXXX/XXXX which is supported by the opened account XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Experian, immediately remove the aforementioned credit inquiries.

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 2020-04-07
Company: Harpeth Financial Services, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
This company is taking money from my account without permission. I withdrew the right for them to take anything from my account online in 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 2017-05-17
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PlusFour, Inc.   XXXX   XXXX   XXXX   XXXX  , #  XXXX ,  XXXX , NV   XXXX   sent me a notice on   XXXX   XXXX   XXXX   stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of   XXXX   XXXX   XXXX  . See my attached letter of   XXXX   XXXX   XXXX  . I had not heard from them but found that they reported non payment of this account to the   XXXX   credit agencies ( e.g.  XXXX  ), thereby affecting my credit rating. So I sent them a letter on   XXXX   XXXX   XXXX   ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now   XXXX   XXXX   XXXX   and their notice to the credit agencies still persist. Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Eastern Account Systems of Connecticut, 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: Account information incorrect

Complaint:
Eastern Account Systems actively pursuing that two accounts are for regular debt when they are Medical Debt incurred for scans while at XXXX XXXX XXXX hospital. They have refused to mark as such and continue to have it on my credit report properly. The company listed as the original debtor says XXXX XXXX and was incurred at XXXX XXXX 's hospital. XXXX XXXX 's even informed me that it was paid off by donations. They have also contacted me several times with spoofed phone numbers, multiple times a day on a work phone and mobile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is incorrectly and illegally reporting my XXXX Bank installment account as a bankruptcy. I have never filed bankruptcy and XXXX and XXXX arent reporting a bankruptcy they are reporting it correctly. SEE ATTACHED CREDIT REPORT PAGE

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 2021-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been sold three times for a total four times. Select Portfolio Servicing is the last company that I have had to deal with. They have indicated that I am delinquent on my mortgage which is incorrect as I have not missed a payment. I am being charged late charges on both my mortgage and home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I started my ordeal of repaying private loans in XX/XX/XXXX. I had the loans in deferment after graduating in XX/XX/XXXX. I called repeatedly to find a payment method that would work as the loans required payments of {$1600.00}, which is well over my take home pay each month, even with working 40+ hours a week. They told me there was nothing they could do to help me because, " You have n't missed any payments yet. '' Well due to life long medical issues and XXXX I was medically XXXX for a few months and then of course I had no choice but to start missing payments as I could not afford them anyway. So, I did n't pay and waited for the battering of calls that were excessive and aggressive, calling my family members that were in no way related to my loans and I 'm not even sure how they got their information. I listened to the voice mails and called them back repeatedly trying to find a lower payment or some solution. However when they finally offered me a plan, a year later in XX/XX/XXXX, that required only {$350.00} a month, I 'm sure for the next 500 years, I asked if I could receive the proposal in the mail or PDF in order to read what I was agreeing to prior to giving away bank account information. I was forwarded to a supervisor who cursed me out and told me she never heard of something so absurd as wanting the documentation prior to signing up for the plan because, " It is your obligation to make the payments, we do n't have to offer you any assistance then the whole loan balance will be due. '' Well feeling beaten down and very confused as to why my rights to read what I 'm agreeing to before I sign up were being taken away I am reaching out to you at the CFPB to help shed some light on this and warn others from going anywhere near XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: MORTGAGE LENDERS OF AMERICA
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I applied for a loan with mortgage lenders of america with loan officer XXXX XXXX went through whole process pre approval, finding a place, paying for inspection, given earnest money, and paying for appraisal one week before closing date my application was denied because of something in my credit report but they pulled my credit before we begun the process so they already knew what was on there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
No Experian free credit report. No number to talk to anyone there. Please help with this. Experian pretends like I 've already checked it, but this is false.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$310.00} XXXX  XXXX {$680.00} XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX  XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$270.00} XXXX  XXXX XXXX {$960.00} XXXX  XXXX {$74000.00} XXXX XXXX {$700.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$3000.00} BANKRUPTCY XXXX {$0.00}

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 2022-08-17
Company: Experian Information Solutions Inc.
State: AZ
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:
There is an entry into my experian credit report from XXXX XXXX XXXX XXXX showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the Experian credit report and it is lowering my XXXX XXXX. This has been going on for XXXX months now and it is still not fixed.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and XX/XX/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 2017-11-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: DISCOVER BANK
State: MD
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 got a Discover Secured Card for {$1000.00} I had it for 6 months! I had applied for a non secured and got approved but they wanted me to grant them permission to go through my taxes and IRS personal information! I declined - do they closed my secured card which had NOTHING to do with my new application for non secured! They have my money, and have hurt my score I have been building up this whole pandemic! How dare them I did nothing wrong! The card was opened 6 months but when I tried to get a card no secured they hurt my secured??????? They are backwards! Only company asks for IRS permission. They need investigated!

Company response to consumer: Closed with explanation