BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MO
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 previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : AXXXX XXXX XXXX BALANCE {$0.00} XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry 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 2020-01-13
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we received notification that XXXX XXXX XXXX   had transferred our mortgage to XXXX/LoanCare. We received a paper statement dated XX/XX/XXXX for the payment due in XX/XX/XXXX. Despite countless phone calls since XXXX we have never received another statement, either electronically or on paper. Despite our preference to use paper we tried using their website to make the payments electronically. We received email notification that the XXXX payment was rejected several weeks later. The next phone call uncovered that their system showed an incorrect entry that would neither result in either a paper or an electronic statement. There was also no apartment number on the mailing address. According to the representative this was a failing on their end. When I asked to speak with a supervisor I was put on hold for almost an hour before I hung up. A subsequent call revealed that the only way to speak with a supervisor is to wait on hold with no indication of how long the wait would be. I was told the investigation would remain open yet my next call, made to inquire about not receiving a paper statement, revealed that there was no investigation. Every month I am told statements were mailed yet hav n ver received one. I have been placed on hold every time- having been told it would be brief- only to eventually hang up after waits of 20-30 minutes. Our XXXX payment was mailed on XXXX/XXXX/XXXX yet the payment was not posted until XX/XX/XXXX which incurred a late fee. I called today, XX/XX/XXXX to see if this months payment had been received and was told it had, though it was not yet posted.

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 2020-08-17
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
RE : Citi Accelerated Savings acct XXXX route XXXX I'd like to make a formal complaint about the quality of customer service. 

I opened this online account in a few minutes for the express purpose of a deposit point for several annuities.XXXX had no problem making initial and recurring deposits with what I gave them. 

But I have had a hard time getting the another institute, XXXX/XXXX - who seems to be in the dark ages on doing ACH 's!?! They are requiring a signed, bank letter head note, indicating the account holder info, with account # and routing # Now I have tried repeatedly and been promised a confirmation letter thru their call centers including, several supposed supervisors, nothing has completed!!! Also never get the same story twice so not sure if ever do get a letter that it will be adequate? 

I have also repeatedly requested a POD/beneficiary form which unbelievable needs to be be snail mailed both ways? And have never received!!! 

And the real rub comes that since I opened this account in the beginning of XXXX and have yet to get a simple, standard letter as promised repeatedly. They have been able to 4 TIMES reduced the interest rate in that time?!? Now I will admit I didn't read the total details, and after 35 years in the banking industry, I am well aware of the feds rate changes but it is the same since XXXX?!? 

And usually when an institution advertises a special rate on a new account, it usually holds for a time like 6 months or even a year. And as mentioned above I have several of those that are still at the starting rate!?! 

All service contact has been by phone as even their chat function is so slow that i continually get logged out waiting for responses. And transfers to a branch office who could supposedly do something, always ends in a disconnect, sorry no one is available to talk your call goodbye, or a roll right back to the overseas help line?!? 

This is an online account, and they don '' t have branches in my state and even if I would want to go to one i cant get an office online to setup an appointment?!? 

This is unacceptable in the 21st century and especially under the present covid issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is Lakeview Loans and I have called numerous and sent the finance company the proper documents and they refuse to correct my taxes.

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 2016-01-05
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter by mail on XXXX XXXX 2015, stating that I owed Discover XXXX. I do n't know why it went into collections, since I was making payments to Discover. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XXXX, XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. Then I get a call from XXXX stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from XXXX and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from XXXX stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " XXXX '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX  XXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX  XXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: LANIER COLLECTIONS AGENCY AND SERVICES 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 have tried to reach out to this company on several occasions. It is hard to first of all get someone on the phone, but hen someone did they just said '' hello '' I had to ask to make sure I was calling the right place. Then they were asking for all of my personal info. I told them if you have enough information to place it on my credit you should be able to pull it up by my phone number and address. So then they claimed that they had found it but gave me all different totals of the so called accounts, and when I told them that those were not the totals that I had, they told me that it was my problem an go XXXX yourself then hung up. That mad me furious so I called back and requested to speak with management, that is not how you talk to someone that you claim has an account with you. They told me that I could not speak with management and I had to talk to them or no one. So I told them I would try to call another branch and they told me if I didn't pay them on that day that they were going to place my account in processing to be sued. I asked for what and they responded with " we ask the questions here not you '' Again I requested management and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. 

Attached is a list in alphabetical order of all inquires that were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: KEYCORP
State: WA
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 am trying to open a XXXX XXXX XXXX  account and my account was flagged due to it being marked that I committed identity theft when it should be marked as I went through fraud. Someone tried to open a key bank account under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: General Motors Financial Company, 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: Investigation took more than 30 days

Complaint:
I made a payment arrangement with GM Financial on XX/XX/2020 for my XXXX payment which was due on XX/XX/2020 and for my XXXX payment due XX/XX/2020, both to be paid on XX/XX/2020. I expressed during the XX/XX/XXXX arrangement that my payment tardiness was due to Covid-19 related issues. I gave them my checking account and routing information to secure payment arrangement. On XX/XX/XXXX and XXXX I received notices that my credit report had been updated and my credit score dropped 41 points because I'd been marked with a 30 day late on my credit reports. I called GM Financial to discuss the matter and asked them to remove the late payment because I believe I'm protected under the cares act that states : If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 

GM Financial stated during the XX/XX/2020 phone conversation I initiated that it was up to their discretion as to how they report late to the credit reporting companies and that their specialists will not reverse the 30 late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Truist bought my bank, BB & T.

Unable to access my account online.

Online help unsuccessful, had to call, hold time + 1 he.

Finally got human, mentioned I recorded all calls, he refused to talk to me & hung up. 
I record to avoid confusion & miscommunication. History of head injury & XXXX disorder. 
My state, North Carolina, is a one party consent state.

It is legal here to record calls without the 2nd parties consent.

This is a problem not just for today 's issue, but also any future conversations.

As an aside, in the past, recorded conversations with other companies has proven to be a major benefit in disputes.

I personally consider one party consent laws to be both a consumer protection issue, as well as a much appreciated aid for memory & accuracy, for both XXXX & non XXXX persons.

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 2020-08-17
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}

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 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2016-03-07
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I set up an HSA ( Health Savings Account ) through XXXX and administered by BNY Mellon. After the accounts were set up a new $ XXXX/month fee was added to administer the account. This was NOT disclosed at time of setting up the account and I have no options. I am required to use this bank. This impacts XXXX HSA account holders forced to use this service through their employers and XXXX. {$2.00} is not a lot, but they are charging me to hold my money multiplied by hundreds of thousands more people. This looks like bait and switch and puts over $ XXXX per month into the hands of BNY Mellon for doing basically nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX  XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXX {$850.00} XXXX  XXXX {$440.00} XXXX XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}

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 2020-01-13
Company: BMW Financial Services NA, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
BMW financials changed my account number which caused my banks autopay system to not be able to send a payment as it had been for 3 years, the bank admitted there was a glitch due to the change in my account - BMW financials received a full payment 20days late- they reported a LATE on my credit report which dropped my FICA score 120pts but refuses to remove the late after they requested a letter from the bank would correct the issue and were sent proof that the late payment was not due to my negligence but their actions and the banks mistake. BMW financials still has not responded to me nor corrected their credit reporting. There is no contact info. To reach out to them & they have caused financial damages for me due to this issue. They were mailed letters and there is a history of 40 months of perfect on time payments with the exception of this one time ( which was caused by the change in the account number they issued ) and they refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've had my house/mortgage for a year via my FHA loan. I haven't been late on a payment once. In XXXX, I was offered the benefit of the Forebearance feature of the CARES Act and was made to understand that essentially this would put a " PAUSE '' on my need to make mortgage payments for a period of time, and that those payments would simply be added to the end of my loan period. 

I keep a close eye on my credit report, and use the XXXX XXXX and XXXX apps regularly. I've noticed over the past 3 months that I've been on Forebearance, that I'm getting notifications that the balance on my mortgage has been increasing!!! 

In XXXX, when I agreed to the Forebearance, my loan balance was XXXX ... .. now my balance is XXXX!!! 

I called my mortgage company to clear up the situation, I can understand if the original interest is still accruing on my loan, however, when you add it up, XXXX over 3 months comes out to about XXXX per month .... that's my usual monthly mortgage .... that means that they're charging me 100 % interest on the missed payments!!! How is that supposed to be " helping '' me??? 

Putting the payments on " PAUSE '' is not the same thing as DOUBLING THE AMOUNT THAT I OWE .... that doesn't help me, and I was not informed that this would be the circumstances. As a matter of fact, I don't think that the representatives at the time of the offer even had a clue that this would be the case. THIS IS NOT RIGHT. 

I believe that my balance should have remained the same, XXXX and that missed payments should be added to the end of the term of my mortgage. If there is some slight amount of interest, 3.5 % is my rate, then that is fine ... .. but my rate is certainly NOT 100 %. 

Please help to resolve and correct this situation. Thank you for your 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 explanation