BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: BSI Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
MY MORTAGE COMPANY CHANGED MY INTEREST RATE FROM 6.75 % to 18 %! 
MY MONTHLY PAYMENT WENT FROM {$3800.00} TO {$8900.00} MORE THAN DOUBLING MY PAYMENT. 
They say it was in the contract that I signed at closing but if it was, it was some very fine print. 
I was lied to from the beginning. At the closing, I needed more money than I thought I would and I was worried about it but the lawyer said " don't worry, now you don't have to make a payment for 2 months ''. 2 days later I got a letter in the mail saying my first payment was due in less than 3 weeks. That payment was late but not more than 30 days. 
In the 12 months I have had this loan, They have changed servicers 4 times. Every time, they give me little to no notice. Each servicer handles the payments differently. One only takes payments online while the next takes them over the phone. The next will only take 1 lump sum when the last one would let me make more than one payment during the month to get it paid in smaller chunks. I never know the rules and sometimes I don't know who I am paying. 
At one point I had made my payment over the phone with the servicer and paid what they said had to be paid and the next month I was told that the last months payment was being held up because I hadn't paid the late fee associated with that last month so it looked like the payment was 2 months late when it wasn't. Then the next month on the phone the servicer ( a different person, same company ) told me that late fees are all saved until the end of the loan. 
THE KICKER : Last week ( XX/XX/2023 ) I was told that my payment went up because I got my interest rate changed to 18 % BUT... if I can pay XXXX 's payment by the XXXX they will bring my interest rate back down to where it was. It seems like extortion to me and I don't like it. I don't understand how this can be legal. I don't want them to foreclose on me but brining my interest rate up so high is ridiculous. If I was having a hard time paying it before how can they expect me to pay it now. I feel like it's just a way for them to lead me into foreclosure because I have a good amount of equity. 
The last time I spoke to my servicer and they told me about the increase I told them that on the website it says " click here if you need help paying '' so could I ask for a forbearance or something like that and he said you can ask but they are going to say no right away! Why do they have the button if they aren't going to help you? So I said I will try to refinance and he said the 5 % prepayment penalty and the bad reports to the credit bureau are going to make that impossible. I'm XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a long-term customer of Marcus by Goldman Sachs . I have XXXX Savings Accounts, all of which were locked on XX/XX/2023. I did not receive any notification that the accounts were locked and only learned when I called to check the status of a bank wire. The representative said there was a note on my account that the bank cancelled the wire when they could not reach me by telephone days ago. I was later told by a supervisor that no call was ever made and there was in fact, no such note. 

The bank then refused to use any of my personal information to verify my identity, including my social security number, date of birth, and secret word. They also refused to send a one-time password to my phone. They said that my cell number is now invalid and they must instead send me an " affidavit of identity '' to notarize and return. Even though the form is initially blank, they will only send it via first class mail. Meanwhile all of my funds will be frozen, leaving me without funds to pay my bills. They also said they can not tell me the reason for the hold without the affidavit. 

I have read many accounts on this website and others that Marcus can take weeks to unlock the account, even after receiving the affidavit. I will be forced to liquidate an investment to generate enough cash to pay my bills, including the ones that come out of the Marcus accounts automatically. 

It was completely unprofessional to not contact me and inform me about the locked status and to misinform me about the attempt to call me. It was also completely unprofessional to refuse to use any reasonable method to verify my identity and to delay the form by forcing it to go via snail mail in both directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Southwest Recovery Services, Inc.
State: TX
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 natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX Southwest Recovery Services XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.

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 2022-06-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For weeks I have repeatedly attempted to contact Macy 's Customer Services via online chats, emails, fax, phone calls and registered letters in order to prove that I paid them the due amount ON TIME. Provided them copies of documents which show that the full amount was paid, debited electronically from my XXXX XXXX XXXX checking account on XX/XX/22. To no avail. As of today no action/response/acknowledgement from Macy's/CitiXXXX XXXX XXXX Bank came XXXX All I have been receiving are online alerts and Statements with penalties. 
This is affecting my credit rating as well.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Friday, XX/XX/XXXX contact Experian website, login to temporarily unfreeze my credit report so I could apply for a an auto-loan. Website says unable to retrieve information contact customer service. 
Saturday, XX/XX/XXXX : Contact Experian website and find the same issue as previously described. Contact Experian to speak to an agent. Automated response no agent is available. 
Monday, XX/XX/XXXX : Contact Experian through the website and once again same response, contact customer service. Automated attendant would not connect me with an agent and could not understand the temporary unfreeze request. It was completely lift the freeze or nothing. After 10 minutes spent in auto-attendant non-helpfulness, I hung up and contacted Experian through XXXX. 
XX/XX/XXXX XXXX XXXX : Human ( I think ) answered my direct message approximately 16 minutes after sending. CSR asks for identifying information. I respond with requested information. 13 minutes later CSR responds with this message ; Thank you for that information. I understand that you are having a hard time managing your Security Freeze. The process to manage a Security Freeze on our website has changed. You need to log in to your membership, scroll all the way down to the bottom, select " Help Center '' and after that " Quick actions '' and then " Manage freeze ''. XXXX My response : Tried that and it keeps saying to contact customer service. 

The other two credit bureaus make it easy to manage credit report freezes but so far I have spent the better part of 3 hours trying to temporarily unfreeze my report from Experian. 

I've already been denied credit on an application because the first bureau the lender checked was Experian.

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 2022-09-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit managemnent calls and has sent a letter stating that I owe them XXXX. I have told them numerous times that this account theyre calling about is not mine and I have never applied for them. I have spoken to them multiple times about invistigating this as fraud. They sent a letter that says attorneys are going to sue me for this debt. I dont know what to do and I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
I Contacted Experian to have 2 credit cards which do not belong to me removed from my report. Both cards were opened 5+ years before I was even born. They removed 1 ( XXXX ) card, that was already closed, but declined to remove the ( XXXX ) card, that is still active. 

I also contacted XXXX XXXX customer service and they were unable to connect me to someone that could help.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion has falsely claimed they have completed their investigation into my dispute. Transunion did not actually investigate my dispute as my dispute was about my uniformed decision as outlined in 15 USC 1601-1602 with these alleged debts when I entered into these consumer credit transactions. With these transactions there is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Transunion did not investigate this as they can not legally confirm if the agreement was clear and conspicuous.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is # 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: IN
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 need a HUMAN BEING to read my complaint I do not consent to E-OSCAR. 
In accordance with the fair credit reporting act EQUIFAX has violated my rights. They stated that XXXX  XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 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 a account without my written instructions They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/22 I made a balance transfer payment. I paid to the incorrect account, and on XXXX contacted Bank of America and the agent I spoke to confirmed that the overpayment amount would be returned to me by check. When I asked the agent, they confirmed it would be returned by check. When I received communication from Bank of America, the letter advised me the funds would be returned to where they received the money from, not as a check as the agent told me. I have checked the paying bank, and the funds have not been returned as a payment or credit. 

On XX/XX/22, after receiving the letter, I called Bank of America again and spoke to an agent who, after I explained the situation, told me that " you can not pay a credit card with another credit card '' to which I had to advise that in the event of a balance transfer, you can do that. It is concerning that the people I spoke to employed by this bank did not know how to assist me in features their employer offers. The agent then transferred me to another department. The agent I spoke to in the Credit Card department they told me it could take up to 30 days, and repeatedly stated I had requested it would be returned by ACH to the source bank, which I had not. I had not provide routing or account information for a return transfer, because it is returning to a credit card, not a checking or savings account. I was advised to give it a " few days '' for resolution. 

The agent told me the way the payment is represented on their end does not align with the actual events of the payment. This is also concerning, because there is either a system issue or agent issue. Neither bodes well for the accuracy of their service and security. 

Bank of America lied to me about how my funds would be reimbursed. If it was not possible, the agent I first spoke to should have told me that, instead of lying to me and advising me the funds would be returned to me by check. I am now out {$1800.00} due to this and I am not being provided a realistic solution by the bank that caused the 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 monetary relief
Consumer complaint received 2022-11-29
Company: CCF Intermediate Holdings LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt to Speedy Cash was sold to debt collection. Original debt was taken out in or about XXXX  XXXX XXXX ( XXXX ) for Speedy Cash was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX I called Resurgent Recievables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ordered them to cease and s desist they said they had resciwved my mail because she asked if I wanted to lift the cease and desist. I said No why would I at that time knowing they had my mail I sent they were still reporting on all three credit agencies, XXXX, XXXX and XXXX XXXX as I look today on XX/XX/2023. They removed XXXX and XXXX XXXX file but they left XXXX file heres the proof in screenshot I am sending them XXXX bill and to their Secretary of State Im tired of not getting paid from these corporations and they violate us everyday You know they do. I have yet to get any payment so I will take this into my own hands since I never get a check from cfpb for this usury and fraud that goes on daily the American people are becoming aware of all the fraud in the government. Not all but most especially the fake court judges and their policies. I demand payment what more proof so I need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX  XXXX Balance Owed : {$370.00}.

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 2022-06-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Date of birth : XX/XX/1990 There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the following accounts have violated my rights : XXXX  XXXX account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  XXXX account # starting with XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX XXXX account # starting with XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX XXXX  account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX XXXX XXXX XXXXXXXX XXXX  account # starting with XXXX XXXX XXXX account # starting with XXXX XXXX  XXXX Bankruptcy Ref # XXXX 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 an account without my 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
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
XX/XX/22 company violated my consumer rights 15 U.S. 1601, 1602, 1605

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