BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I have written to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity due to these fraudlent accounts on my report. I have contacted experian and they do not seem to have the urgency to fix this situation as fast as they have reported it to me. 

I ask that you help me make them comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX, Carrington Mortgage reported a 30 day late on my XXXX report. I could only make payments by phone or mail due to the status they have on my account. I also have no online access, as I do others, due to me getting off after they close because of this status. I called and spoke with XXXXXXXX XXXX XXXXXXXX. I was confused on what the payment should be due to all of the different statements stating credits then the amounts were all different. She took a regular payment from me and stated this payment would not effect my credit due to she saw what I stated as well as my reporting is being SUPPRESSED due to they had not finalized my account from Bankruptcy status. The next day I got an alert after making this payment and they reported 30 days late. I called back and spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they both ASSURED me they were NOT reporting due to it being SUPPRESSED! One Gentleman gave me a research team fax number so they could look into this. I faxed and received a letter dated XXXX  stating its would take 30 days!. They also reported that my account was being sold and this is not true. I decided not to go through with the refinance but yet they reported after the fact. My insurance was not paid from escrow and was cancelled due to their negligence of my account. The payment to my insurance company was rejected because the account showed it was being sold. This company also told me they were still working on a dispute I put in the month of XXXX when I called in the month of XXXX. This company has caused me stress and frustration, a lapse of insurance, a loss of XXXX XXXX, and my commercial purchase has been affected with their derogatory reporting and improper handling of my account. I have also filed a XXXX XXXX XXXX complaint and they have yet to respond. ( Several complaints discovered there with the same issue )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX  XXXX, Accounts name XXXX XXXX  XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: PNC Bank N.A.
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a personal loan with PNC Bank on XX/XX/XXXX form {$4500.00}, where I signed a consent form to have {$130.00} automatically deducted from my bank account on the XXXX of every month beginning on XX/XX/XXXX. There was supposed to be a 1 % decrease in my interest rate for having the automatic deduction, which has not occurred. The loan matured on XX/XX/XXXX. I received a slip of paper in the mail advising that my final payment was {$270.00}, stating that this would take the place of my automatic deduction. I contacted the bank and was transferred several times before reaching the loan dept. I was advised that my loan was past due and that's why the final payment was so large. The representative stated that there was payments missed in XXXX and XXXX of XXXX. I ask how was that possible when I have automatic deductions and my direct deposit from my employer never stopped coming into this account, and every other payment has been deducted with no issues and I was also notadvised that the past due amount was made current on XXXX could not explain what happened and transferred me to collections, collections advised me that my account was not past due and she could not see any missed payments. The XXXX in collections filed a complaint and I received a call from an escalations Rep for PNC bank, could not explain anything to me and kept telling me that he would get back to me with my concern. I had XXXX from the local branch call to offer other services and I advise him of the issue and he advised that he could get the late fees removed, to only discover that he couldn't have anything removed from the account, due to the loan dept involvement and the loan advised him to have me write in with my dispute, my local branch composed a letter on XX/XX/XXXX, which they also mailed on my behalf, since them I have had another Rep from the escalations office call me trying to bully me into making the final payment, now PNC bank has added an additional late fee and the balance is now approaching the 30 day past due XXXX and on XX/XX/XXXX, I had a person from PNC bank contact me about the outstanding balance. During this time period, I have been told that I must have called in to skip a payment, which is not true, in order to miss a payment the request has to be submitted in writing and a late fee would not have been accessed, I have been told that I lost my job, which is not true I have been employed with the same employer for over XXXX. As of today the % XXXX for having the automatic deductions has not been applied, the late fees have not been removed as promised and the interest is still accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: TN
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 XXXX Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items 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 #, and I'm including it again. I need the following items to be updated or deleted from my file immediately : Original Creditor : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am employed ( two jobs, each XXXX XXXX  ) by XXXX XXXX XXXX XXXX and thus my federal student loans qualify for Public Student Loan Forgiveness. I hit XXXX qualified payments ( toward PSLF ) at the end of XXXX. I sent in two employment certification forms this year, which showed my qualified payment counts are higher than XXXX. Mohela ( student loan servicer ) told me that my loans were sent " direct to discharge '' to Federal Student Aid at end of XXXX however this year they have not yet been forgiven/discharged. I have called Mohela several times and they can not tell me a timeline of how long to wait, nor review if my information was sent and communicate with FSA on what the hold up is. I have also filed a complaint with FSA on XX/XX/XXXX and this is still pending ( though originally I was told I would get a reply within 15 days ). I can not get an answer from anyone to check if my loan information was correctly shared to FSA from Mohela, and what the hold up is. I did have some other loans that were forgiven via PSLF this XXXX, but the majority are still being held up even though these have more qualified payment counts!

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 2023-01-05
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It appears that my loans has been updated with the IDR waiver but I noticed a few mistakes. 
First, my 2 consolidation loans did not get the updated counts added to them, because of the PSLF waiver all of the loans should be at the same count. I had 24 ineligible payments on my original loans before the IDR update but those ineligible payments were not shifted to the consolidated FFEL loans as promised, the ineligible payment on those loans have been sitting at 0 since the PSLF Waiver was applied. Now the counts are not equal I am worried that this may result in hanging loans & two different pay off times when before consolidation and before the IDR waiver all counts were the same. I have pointed this issue out several times but the ineligible counts have not been updated and it appears my fears are happening. 

There is also some deferment and forbearance months that are still on my account. I never requested either and I qualified for a {$0.00} payment plan during this time. My tax returns for this time have been submitted to DOE as proof of this in the past. Also, I was told that one of those deferments is coded as an unemployment deferment when my employment is certified for this time. 

Ineligible payments from XX/XX/2013 - XX/XX/2013 is coded as an unemployment deferment when I was employed. My XXXX has been approved for this time. 
Ineligible payments XXXX is coded as a hardship deferment. The IDR waiver says that time hardship deferments should count towards PSLF. 
Ineligible payments XXXX is a general forbearance that was for some reason not counted but I am unsure why. 

I would like to add that I did not request any of these deferments or forbearances. During all of these periods I qualified for and was told that I was in a {$0.00} payment plan. I asked for phone records from XXXX ( my servicer at the time ) to prove this but was told they do not exist. 

I also have 6 months of grace period that I did not need - I will replete that I qualified for a {$0.00} payment plan for that time and my XXXX during that time is on file and approved. 

I also have 4 years coded as in school even though I worked full time while going to school full time and was told by XXXX XXXX ( my servicer at the time ) that my time in school would count towards PSLF - again was told my payment was {$0.00}. They failed to have me fill out a deferment letter but XXXX ( my servicer at the time ) had the form to retroactively remove the in school status- this was approved - but those 4 years were never added to my account. 

Its just exhausting. Ive worked in public service for well over 10 years and have never even had a late payment when my payments were no longer {$0.00}. It is unfair to be punished for multiple servicers mistakes. 
Please help

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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 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 2023-02-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is a dispute of the consumer against BMW Finance Services NA LLC, XXXX XXXX XXXX XXXX, XXXX XXXX BMW, XXXX XXXX BMW and XXXX XXXX XXXX XXXX as well as all named parties including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing this complaint in good faith. I discovered billing error ( 15 U.S.C. 1666 ). I realized that I was not in honor while using debt to pay a debt. I am to use my extension of credits. I know that the has a dividend check attached. Some disclosures were kept from me. I realized that credit was extended to me and taken or held in an unfair, fraudulent and deceptive way. I realized the whole lease contract is in question and that securities fraud appear to exist in this relationship between myself and XXXX. I may choose to bring suit against XXXX and the responsible parties who signed the security exchange commission forms ( XXXX, XXXX, etc. ). I also found several violations of securities act of 1933 as well as the securities exchange act of 1934. I would most likely have to request an audit via IRS. I found violations of not only securities violations, but also identity theft, mail fraud, language fraud as well as numerous federal and state violations against myself. I know according to law i have the right to rescind on a fraud contract. Law states no adverse actions can be used in retaliation of a billing error complaint. 

The law states that there is no limit on contract fraud. I know according to law that I may file a complaint with the CFPB, Attorney General, Comptroller and the FTC to retrieve remedy. 

Based on the amount of fraud found in what appears to be a one party contract agreement with no equal exchange.I no longer give BMW Financial the rights to keep the proceeds and want all my securities. I feel i was discriminated against under the Equal Credit Opportunity Act and Consumer Credit Protection Act as well as deceived by the use of unfair and abusive practices. 

I would like documental evidence of who the co-signer signed for if not for spouse. 

I would like to see original copy of application, promissory notes, any and all documents with and without my signature pertaining to our relationship stating with credit application and not limited to transfer agreements of securities, notes, etc. ) I would like proof of origin of funds and credits. 

I would like to receive and keep the title, mco and you may not have security interests as I have already given you a security. 

I would like a true bill because I realized that I have only received statements of interests and credits due to me. I would like all credit, a return of all previous payments, proceeds, down payments, full value of property and finance charges electronically transferred to my bank account or via check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TMX Finance LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The repo man can and got my car he moved my car dolly and XXXX ski but he did damage to my car dolly. And now they are at thier lot with a service truck disabling and making a key to my car. I have video where he was moving my car dolly. He also threatened me say it's his car and he is going to get it from the the company and I will never get the car back. I made a report on the damages on the dolly. And looks like behind the fence he damaged my bumper on my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased an above ground swimming pool from XXXX XXXX in the amount of {$9400.00}. I paid a deposit of {$4800.00} using my Discover Card and agreed to pay the 3 percent transaction fee that Discover charges the merchant. On XX/XX/XXXX I received a call from XXXX in their store to advise me that the pool they had sold me was no longer available even though I had been told by her on XXXX that it was in their warehouse. She offered different pool option but after discussing with my husband, I called on XX/XX/XXXX and told her that we wanted a refund if they were unable to provide us with the pool we had purchased. When I went into their store on XX/XX/XXXX to pick up my receipt for the refund, she presented me with an invoice for {$140.00} to cover the 3 percent fee that Discover charges. I refused to sign it and came home and opened a dispute on my Discover Card. 
I provided Discover with the above facts and copies of the invoice and sales receipt. On XX/XX/XXXX Discover send me a link to a message showing what XXXX XXXX had provided to them including the {$140.00} invoice that I refused to sign. Discover at no time offered me an explanation as to why my dispute was denied nor have given me an opportunity to rebut their decision. On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX, requesting an explanation. On XXXX I received an email from XXXX in their Executive Office of Customer Advisory department requesting more information, such as account number, that was already provided in the email to XXXX XXXX. I sent an email to her that same day providing the information and did not receive any further correspondence from her. On XXXX and XXXX, I again sent my email to XXXX XXXX with no response. On XXXX, I sent an email to Discover XXXX XXXX XXXX requesting an explanation regarding this denied dispute. That afternoon, I received a phone call that I missed from XXXX. I sent her an email letting her know that I have a difficult time catching up with her on the phone and to please contact me via email. She did not. I called her phone number today XXXX XXXX and she agreed to investigate my dispute but seemed to have no knowledge of anything that had transpired. She said she'd call me back when she had a decision but could not provide any kind of time frame.

Company response to consumer: Closed with non-monetary relief