BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am having problems with BMW financial with my loan. At first I requested for a date change and they messed up and made me pay an extra payment. At that point I requested for the change to be placed back. I then went and made a payment on the account. Apparently the last  XXXX  digits to the account were transposed and they were not able to collect the payment from my   XXXX   XXXX   account. At this point I noticed that my credit beurea reflected a late payment. I called BMW financial and spoke to them and verified the last  XXXX  digits of the account. When I realized the last  XXXX  numbers were transposed I made a pay ment for what was behind and I also paid a month in advance. They are not working with me on this as they can clearly see it was a transposed number and as soon as it was fixed the payment went through. They are not being helpful and there customer service agents are very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I sent the first verified letter disputing information on my report. The request was accepted. 

On XX/XX/XXXX, I sent my second letter asking for a method of verification. The letter had the same document form the previously accepted letter. This time, I was sent a letter saying they thought I was a third party ( it says that I am sending this on my own ), I spoke with Transunion on the phone. They stated they could not tell my why this happened. They would start a new dispute instead of the dispute received on the XXXX of 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 2016-12-03
Company: Key 2 Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX I was contacted by Key 2 Recovery about owing money to XXXX University student accounts. I told XXXX XXXX that I did n't owe anything to this school because the money was from my student loans and grants. I sent her the paperwork where I withdrew from XXXX and enrolled into a different school. XXXX had signed all my paperwork stating I did not owe any money. Months after this I found out that XXXX had fraudulently took my grant money and student loans. I provided her with all my evidence of this. The account number for this account was XXXX. This account was closed. On XXXX 2016 I was contacted on my cell phone again by XXXX with account number XXXX about owing XXXX University money, this time the amount was extremly more than previously. This time I told them that I have already been through this before with this company. I was then told that they just got this account and have never had it before. I again told them that we have gone through this before and I have proven that this money was not owed. I told them to validate the information because I am tired of being harassed. I then found my original paperwork for the previous account and called them about that account number and was told again that it was closed. I am tired of being called on my cell phone. I am tired of proving over and over that I do not owe this and them then closing the account until they feel like opening another XXXX with a different amount.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
we where trying to buy a dog, after agreeing on the dog to buy we transferred them money as payment for the dog and shipping. after they received it they told us that they needed more money for shipping, we told them no. ( they asked for {$1400.00} ) after talking and came to no agreement we asked for a refund and that we are no longer going to buy the dog, they told us that they can not refund us the money cause they had already spent it. i have contacted money gram over this, but do to language barriers it was hard to understand them, i be leave they are making a report on this and going to email me about it, i will fallow up with them more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Previously i opened several ira cds at Synchrony bank. Im in the process of transferring funds to open more with them. However, I just noticed their advertised IRA CD APYs have an asterisk that says " *This is the annual rate of return that you expect from your savings and investments during retirement. This calculation assumes a 010 % annual rate of return ( depending on your selection ) on your savings. '' Ive asked " what does that mean '' thru their secure message system after logging in and Ive been refused a written response. 

Please have them email me or secure message me and tell me what that means in writing. 

Thanks, 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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to sell an item on line. The caller said that he would pay me through XXXX. I downloaded the app. I got an email stating that I have to upgrade my account by sending {$650.00} and then I will be fully refunded. It was a scam I authorized the transaction but nothing was refunded. I called Chase and XXXX but they refused to refund me. 
Agent name ; XXXX XXXX XXXX Agent Email ; XXXX ; Effective time of 30 minutes _______________________________________ Above is the XXXX Agent Information you are required to Send {$300.00} USD and get back to us with a proof ( screenshot ) of it sent so your account will be successfully upgraded and we will release the total sum of {$800.00} USD,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan through Navient formerly known as XXXX XXXX. The problem I am having is that they offer no real assistance when a borrower is under economic hardship. The only type of a assistance you maybe be able to receive is interest only payments. Needless to say, in the long run you are still getting the short end of the stick because nothing is being applied to your principle. 
Another thing I find unreasonable about Navient is how they apply payments. After noticing that the money above the minimum payment due I had been sending in was not being applied to my principle, but to the interest, I was informed I could only do this if I was enrolled in their monthly automatic deduction plan. 
Another concern of mine. I work in a high needs/critical shortage area XXXX. I due not qualify for loan forgiveness because my loans are private loans ; unlike Federal student loans which allow loan forgiveness up to XXXX for qualified borrowers after working a number of years in the critical shortage areas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXXXXXX 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.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish your act without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Direct Recovery Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Direct Recovery Services has been asked to validate a debt, they continue to call my phone and email me and they have also contacted a company I work for.I spoke with XXXX XXXX # XXXX on XXXX XXXX I requested that they do not call or email or contact my place of employment.I also requested that they validate the debt I owe.I called and the caller hunk up in my face and I called back.They are horrible in the way of doing business, I have a right to ask questions, my identity had be stolen several years ago, so I am very careful and I have a right to check as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action 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 2022-01-24
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian refused to remove a debt reported by XXXX XXXX and provide me with details about the claim. This claim was removed by XXXX and 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 2015-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized. 
I have accounts with these companies and they have my personal information. Never authorized these credit checks. 
List of companies and the date of credit check was pulled. 
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 explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$310.00}

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 non-monetary relief
Consumer complaint received 2020-08-04
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/2020, and contacted my mortgage holder ( XXXX XXXX ) asking them NOT to process the automatic monthly mortgage withdrawal for the upcoming month from my bank account, as the loan would be completely paid off within the next few days. I spoke with XXXX XXXX reference No. XXXX on XX/XX/XXXX at XXXX, she received approval from her manager NOT to process the auto withdrawal. Yet, I later checked my bank records and my payment of {$1400.00} USD was  withdrawn. 

The loan was paid off by my new mortgage company ( XXXX ) and I e-mailed XXXX XXXX requesting a refund of my payment of {$1400.00} USD. I sent in bank records and proof of the erroneous withdraw as they requested - they stated a 15 day resolution period. Here it several months later ( and  numerous correspondence ) with no refund. The XXXX XXXX complaint No. is Refund : XXXX ( XXXX ) XXXX XXXXXXXX contact info is ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA 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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.

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 2022-07-27
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I am writing of about this XXXX XXXX account that was previously disputed and somehow verified as accurate both by Experian and XXXX. It is clear that no real investigation was done as the information is still incorrect and there are inconsistencies with the info showing on both credit reports which should not be the case if both bureaus actually reasonably investigated this account. 
1. Both bureaus are reporting different " Date Opened '' dates. 
2. XXXX reports a closed date but Experian does not. 
3. Both Bureaus are reporting different " date of last activity '' which should not be the case had this been reasonably investigated after my initial dispute.

4. The account status is listed as " closed '' on a " charge off '' but yet lists a " past due amount '' of {$420.00} which is in violation of the FCRA and negatively impacts my DTI when any charge off account should be listed as " 0 ''.

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 2020-08-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Gap Visa Card which had an unauthorized charge of {$100.00} from the latest statement, the charge was made on XX/XX/2020, and the card is managed by Synchrony Bank. I contacted Synchrony Bank at ( XXXX ) XXXX on more than one occasion to inform them that it was an unauthorized charge. I was told that the charge was for a renewal of XXXX XXXX XXXX XXXX software. I have submitted a written " Dispute Acknowledgement Form '' from Synchrony Bank via fax number ( XXXX ) XXXX on XX/XX/2020 and checked " I did not make the sale '' box. I did not hear from them about the resolution of my written inquiry, what they did was cancel the old card and re-issued me a new card for the same amount, plus interest and fees charge, which is now {$210.00}. 

They have since called me every day, all hours of the day, including the weekend on my cell phone to insist that I owed the amount. The tactic Synchrony Bank used is harassment and intimidation, they used different numbers to call me for payment so if I blocked one number, another one will surface. They are rude and to the point of threatening me for collection for a charge that was not authorized. 

I acted in good faith to resolve the matter but all I got from Synchrony Bank was duress and endless calls from all different times of the day for charge that I did not authorize.

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 2015-05-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NV
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My son used MoneyGram to wire some money to me. I provided all reference numbers, I also sent a copy of my driver license. This was done because " MoneyGram '' put a hold on the funds, stating as per a " XXXX government watch list '', they had to check my name against possible names that they do not do business with. I XXXX attempted to retrieve the funds on XXXX XXXX 2015 at XXXX PST., it is currently 8XXXX PST. and all the customer service person has been able tell me is the matter is under review. This in spite of the fact I was able to retrieve money from the same company on this very same day. I informed them this was an emergency and the delay in processing this matter would be and has been injurious to me. I made XXXX different trips to the store to get these funds, because I was informed by MoneyGram customer service the funds were available only to discover there was yet still a hold, in direct contradiction to the conversation with the agent on the telephone. 
They however insisted the matter is under review, without disclosing what matter needed to be reviewed, other than my name. So I can only conclude they, under some authority can with withhold funds simply because of my name, for I have done nothing wrong, and they would not provide an intelligent answer, when I asked why ... other than the matter is being reviewed. This unseemly delay has caused great distress for me, and I fail to understand why this matter would take XXXX hours or more. In addition to the fact that they provided the funds for the other transaction that was presented to them, at this point I am without the money that my son sent or a reasonable explanation. I am an XXXX citizen, born in XXXX XXXX, CA. Please help me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Balance Owed : {$17000.00}, I believe it was reporting in error.

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 2020-08-04
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome, Mortgage Company notified me on XX/XX/XXXX about my home insurance expiring on XX/XX/XXXX and wanted a renewal policy. I called XXXX XXXX, current home insurer, about my policy. They had sent a renewal policy, but the address was wrong due to the mortgage switching between 3 companies in the first year. I gave XXXX XXXX the correct address, and they mailed it again. I got an email from XXXX XXXX on XX/XX/XXXX about not receiving payment from Amerihome. I contacted Amerihome about the problem. They said a renewal policy was not received. I called XXXX XXXX and got a pdf copy. I then uploaded the document to a website Amerihome told me to use. I got a message today, XX/XX/XXXX, that Amerihome has still not paid the home insurance policy and would be canceled on XX/XX/XXXX if not paid. I looked online at Amerihome and {$560.00} was taken out of my escrow account on XX/XX/XXXX and states the insurance policy is good through XX/XX/XXXX. I called XXXX XXXX and notified them that money was taken from my account to pay the home insurance bill. They stated that they never received any payment. I called Amerihome, and they stated they sent a check to the XXXX XXXX main office in XXXX, GA. I contacted XXXX XXXX to contact the main office. XXXX XXXX called me back and told me that no check has been received by the main office. I called Amerihome, and they are not willing to do anything else until 30 days after XX/XX/XXXX.

Company response to consumer: Closed with explanation