BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX loans with american education services. XXXX with a high interes of 14 % in the amount of {$6600.00} and another XXXX with an interest rate of 8.313 % in the amount of XXXX. I have been making payment since 2011 and the amount has decrease very little. I always make my payments but it gets difficult with so many other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.

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 2016-08-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I am filing a complaint against Alliance One for violating the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and I mailed certified letter requesting validation of debt owed on XXXX/XXXX/2015 to Alliance One Receivable Management Inc. I was unaware of the debt owed or which organization I owe the debt too until I checked my credit report. I informed Alliance One in writing that I was NOT requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. 
I asked Alliance One in writing to please provide a letter with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered AgentAlliance One Receivable Management Inc failed to validate the debt owed as I requested in writing, and this company responded with AllianceOne Receivable Management Inc generated bill statement of how much I owed. Under the Fair Credit Reporting Act, I have the right to ask for validation of debt. On XXXX/XXXX/15, my husband received XXXX County District Court XXXX XXXX XXXX court order garnishment letter against me filed by Alliance One Receivable Management Inc. Alliance One Receivable Management Inc. violated Fair Credit Reporting Act. I did not sign the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: STONEGATE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
StoneGate Mortgage sold my loan to another loan company without properly notifying me or having my approval. The only action they took to inform me this transaction is to send a good bye mail to my address when I was moving to a new place and traveling a lot for business. They never tried to call me or send me an email about this. 
I set up an auto-payment for my loan in the past few years and was never late for paying that. However, my auto-payment information was not updated when StoneGate sold my loan, which lead to late payment for 3 month and a dramatic drop of my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a response to previous disputes XX/XX/XXXX # XXXX dated XX/XX/XXXX. Under the FCRA this response is over 30 days and untimely. LexisNexis responded to this complaint timely but not respond to my initial dispute letter sent to them XX/XX/XXXX. Also in the attached letter they stated they verified a bankruptcy through PACER  which is a public record with public access. This information was not received from the furnisher which is the Pennsylvania Federal Bankruptcy Court-XXXX. Bankruptcy Court sent me a letter stating they do not give out personal information. Under the FCRA Section 623 ( a ) ( 1 ) ( A any information reported must come from the furnisher and must be complete, accurate information. LexisNexis has stated that the public record from Pacer matches my name and address and social security number. Then Lexis Nexis goes on to say the last 4 digits of my social security. The last 4 digits is not the same as my full social security number. How can you identify me from the last 4 digits of social security number and there are millions of people in the world with the same last 4 digits? This is not complete information. Provide my full social security number, my full name and address from the furnisher of this information which is Bankruptcy Court. Public records/Pacer is not an accurate source of information it's public record and has many errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am trying to remove my name from a home loan used by my ex wife for her business. I did not sign for this loan and have asked Bank of America to send me any document with my signature on the application process. I received XXXX documents from the bank ( 1 ) a power of attorney with my signature surrendering my interests to the house used for business as agreed upon in the divorce settlement. And ( 2 ) a loan document dated 5 days after my final divorce decree with my ex wife signing my name in reference to the aforementioned power of attorney. This power of attorney that I signed as agreed upon in the divorce stipulation simply surrenders all my claim to the property and has no stipulation for any past or future responsibility for the property. 
It is my understanding that any contract which does not have my signature is null and void and can not be enforced. This is not what I am asking the bank to do. The loan is not in default and is current in the payment schedule because this is used for business by my ex wife. I am merely asking the bank to remove my name from the loan and credit report. 
So far all I have received is requests for more time to do their investigation and I have been patiently waiting for a favorable resolution. But now they have shifted tactics and is making this an identity theft issue and requesting me for notarized statements and police reports. I submit that it is their lax loan approval process that lead to a loan being approved without proper signatures more than anything else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial. 
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due. 
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan. 
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account. 
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it. 
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle. 
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them. 
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation. 
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo said they were going to compensate me with {$3900.00} for bank fees for three accounts from XXXX. 
They also caused a banking error in XXXX with bill pay causing 10 percent penalties on property tax payments. 

They never did. 
They also charged fees in my joint account ending with XXXX -- over {$600.00} in about 8 months after they recoded the account. 
I have a balance on my HELOC over over {$100000.00} and thus I do not pay fees based on my household. 

The bank owes me thousands which only partially resolves the issues I tried dealing with XXXX XXXX XXXX Branch manager about this to no avail. 

I also have problems with XXXX XXXX in the mortgage department not being helpful with loan modifications that he promised in XXXX. In particular the HELOC should be below 3 percent and they also need to retitle the parties to singular from joint

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 2019-12-06
Company: EQUIFAX, 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:
Hi, for the past YEAR I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are  being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

1. Account Name : XXXX XXXX XXXX. Account Number : XXXX Date opened : XX/XX/XXXX Balance Amount : XXXX Reporting on : Equifax and XXXX  2. Account Name : XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date : XX/XX/XXXX Balance Amount : XXXX Reporting on : XXXX  3.  AccountName : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax, XXXX   and XXXX  4. Account Name : XXXX XXXX   XXXX Account Number :XXXX Balance Amount : XXXX Date Opened : XX/XX/XXXX Reporting on : Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. Also 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions 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:
I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. 
So I'd like to ask for you help to resolve this issue and restore my credit reputation. 
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 explanation
Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
approx XXXX of 2018 chase bank closed my business checking account, with no explanation, freezing my access and withholding both my money and statements, necessary for taxes, with no explanation by phone or in person. 

I was directed to go to a branch for my local deposit, which had no answers either. A simple transaction, where I opened a savings account on chase bank 's online banking platform, funded with existing funds from my business checking account, somehow was the root cause of this, yet no explanation was offered. 

When calling by phone to try to investigate this matter, one of the representatives mentioned that someone else contacted chase and was given information regarding my account, at which point I made it clear that I had never authorized access to anyone else, nor did anyone else have the login credentials, and was met with rude responses in the face of an obvious security issue. 

All my business transactions are fully documented, with invoices and paper trails, yet chase refuses to provide an explanation for why they froze me out of access to my money and statements, and continues to refuse to provide even basic checking services for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Collection Receivables, 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: Account status incorrect

Complaint:
A collection has been reported on credit profile by Collection Receivables INC, Account # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was paying on my lease almost XXXX/month and I lost my job due to health issues and I am 3 months behind, I paid month to get my account current but the BMW Financial Service want the car back until I get the amount that I owe, I tried to explain my situation but they wont help me. They turn in my account to the debt collector and asking the car back even though I paid XXXX balance to be updated. They keep calling and harassing me, family and former employee. 

I have no choice but to keep the car to find job and I am only asking if they can extend my contract for 2 months so that I am current in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Lost my phone with my bank apps and my wallet in late XXXX. Ended up getting my things back but I recently checked my credit report and noticed some inquiries that I have no knowledge of so I would like them to be removed immediately. Thank you. The inquires are as followed XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX bank XXXX - XX/XX/XXXX XXXX XXXXXXXX bank XXXX  - XX/XX/XXXX XXXX XXXXXXXX bank XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: Global Trust Management LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a text message from my auntie about 3 weeks ago saying someone was trying to get in contact with me about a loan of somewhat I told her it might be a scam but she suggested I called the number anyway so when I called I talked to the nice lady she gave me the information I needed and I let her know that it wasnt me who have received the loan and told her the background of everything and more information she needed to know on the situation I know the person responsible and they have also owned up that they have did it but no more communication at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Our former mortgager XXXX XXXX transitioned to our new Mortgage company Mid America Mortgage at the end of XX/XX/XXXX. I received a letter from the new mortgage company stating that they will report our mortgage as current in 60 days which would have been the end of XX/XX/XXXX. It is XX/XX/XXXX more than 90+ days and they are still not reporting our mortgage payments on our credit report. This has effect our credit and ability to refinance our home. I am told when a mortgage is moved over to another servicing company they have 60 days to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently submitted a loan modification paperwork package to stone gate mortgage. I had this sent by priority mail so that I could keep track if this was delivered. The package was delivered on XXXX/XXXX/17. I had talked to stonegate and told them I am sending it this way and if there is anything else I need to do please call me. The girl confirmed she would do this. 
Today I get a letter from a lawyer stating forclosure procedings have started to my surprise. I called Stonegate and the girl was like it never showed up. I said it shows it was delivered. She said there is nothing they can do for me at this point. Now i am very upset, I explained my mom was critically ill and took care of her during this time. My dad had a XXXX and is XXXX and has XXXX, he is XXXX. I did what I feel any child should do. My mom died on XX/XX/XXXX, so now I am homeless and motherless and heartbroken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation