BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: BMW Financial Services NA, LLC
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 have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXXXXXX XXXX XXXX XXXX BMW FINANCIAL SERVICES XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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:
Mortgage payment XX/XX/2021 wasn't late. I always paid on time as agreed. See attached account history.

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 2023-08-24
Company: Google Compare Credit Cards Inc.
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I am writing to formally request your intervention in a matter concerning an unjustified suspension of my account by XXXX, and the subsequent unresponsiveness of their customer service in handling the issue. 

On XXXX XXXX, I purchased a membership with XXXX and made the payment through my XXXX account. To my surprise, within a mere 24-hour period, my account was unexpectedly suspended. Upon reaching out to their customer support to understand the reason for this suspension, I was met with silence. 

It was only after filing a complaint with the XXXX XXXX XXXX a few weeks later, that I received communication from XXXX  They stated that my account was suspended on grounds of violating their terms and conditions, specifically for including personal information on my profile. However, upon careful review of their terms and conditions related to site use, I found no clause or provision that prohibits the sharing of one 's personal information. 

Eager to resolve the matter and abide by their request, I promptly began the process of removing the said personal information from my profile. But even before I could complete the corrections, my account was once again suspended. It's pertinent to note that I did not add any new personal information during this time, nor was I given adequate time to make the requested edits. 

Given the facts stated above, I firmly believe that I have not violated any terms and conditions set forth by XXXX. The abrupt suspension, coupled with the lack of clear communication on their part, has not only disrupted my user experience but also led me to question the value of the membership I have purchased. 

Therefore, I kindly request your esteemed office to intervene in this matter and ensure that I am granted a full refund for the membership, either into my XXXX account or as credit into my XXXX XXXX account. 

Please find attached a copy of the terms and conditions from XXXX XXXX  website for your perusal. 

I trust that the Consumer Financial Protection Bureau will consider my grievance seriously and help me get the necessary resolution. I am available for any further information or clarification you might need in this regard. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My bank, USAA deposited my tax refund of XXXX dollars into the wrong bank account. According to USAA, another USAA account holder by the name of XXXX XXXX XXXX was unjustly enriched by money that belongs to me. USAA initially did not want to help at all, and essentially sent me on a fruitless 2 month run-around which involved me contacting my tax company, XXXX, as well the IRS, XXXX XXXX XXXX XXXX, my local police, and even my small claims court. None of these organizations helped me, and all insisted that I get back in contact with my bank ( USAA ). After finally submitting a formal complaint through the XXXX, I was contacted by a representative named XXXX XXXX who said she would attempt to get my money back by calling XXXX XXXX and asking him to put the money back into his account, so that it could be transferred to me. Note, this was a solution of which I asked USAA to perform months ago, and they were not willing. It took countless hours on the phone with USAA and finally an act on XXXX part to get my bank to do the minimum amount of effort. However, this effort was also made in vain as I was told that I would see results on the week of XXXX XXXX, 2016, and still have not heard anything about the money being put back into my account. USAA claimed that they will not pay for the damages, and will only resolve the issue is XXXX XXXX puts the money into his account. Seeing that the XXXX XXXX is not legally obliged to remedy an error made on USAA 's part, it is apparent that he will never put the money back. To conclude, I am asking for help to resolve this issue with my bank, so that my money can be sent to me ( the rightful owner ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let these fraud accounts affect my credit score. They are bound to comply with the FCRA regulation section 605b but I think they are inattentive about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP 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 non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX  XXXX XXXX XXXX XXXX is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of XXXX  as it relates to [ me ] specifically Account # XXXX. I can not contact XXXX  XXXX XXXX directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to Transunion or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between XXXX and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with Transunion ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is they've reported incorrect information as opposed to the other LARGE BANK, here XXXX XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 SENT IN A POLICE REPORT TO THE CREDIT BUREAUS IN REGARDS TO AN IDENTITY THEFT THAT OCCURRED ON MY CREDIT FILE. XXXX, XXXX, AND TRANSUNION HAD DELETED IT FROM MY CREDIT FILE, BUT THEN, TRANSUNION PUT IT BACK ON MY FILE AND SAID THEY WOULD NOT BLOCK IT. THEY SENT A LETTER SAYING IT WAS VERIFIED, I ASK THEM TO SEND ME A CONTRACT WITH MY SIGNATURE ON IT, AND THEY NEVER DID. I ASKED THEM HOW CAN THEY VERIFY THIS ACCOUNT AS MINE AND XXXX AND XXXX COULD NOT. I WROTE A SWORN AFFIDAVIT STATING THAT WAS NOT MY ACCOUNT AND THEY HAVE IGNORED ME. WITH ALL THE IDENTITY THEFT THAT GOES ON, AS WELL AS THE DATA BREACH THESE CREDIT BUREAUS, PUT THE CONSUMERS THRU, THEY SHOULD UNDERSTAND INSTEAD OF JUST TRYING TO MAKE MONEY OFF OF THE CONSUMERS.

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 2023-05-08
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX, of Deputy Project Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a closing company for the State of Indiana and represents XXXX, XXXX. 
XXXX XXXX XXXX : directs me to sign Modification closing documents directed me to schedule a closing by XX/XX/XXXX without seeing or reading the documents. 
XXXX XXXX demanded that I schedule the closing within 1 hour on XX/XX/XXXX at XXXX XXXX  Email from XXXX XXXX states : You have until end of day ( XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX to schedule closing with our notary, Statewide. Failure to schedule closing by end of day XX/XX/XXXX will result in a denial for XXXX  assistance. Regardless of your decision, you will not be able to apply for XXXX assistance again as you have applied for assistance twice. 
must send me the documents to read has provided wrong information to me ( I applied twice for assistance ) I applied once. 
refused to inform me of Closer 's name, address, or date Wells Fargo showed her proof of my mortgage payments. 
states she has proof of XXXX  Calculation accounting refused to send me Wells Fargo payment history example : Wells Fargo has not applied my mortgage payments to my mortgage " {$29000.00} '' claims, by XXXX, to KNOW that Wells Fargo accounting balance is correct. Wells Fargo is hiding facts. 
believes that I am only 2.5 months in arrearages. I am considerably more late than 2.5 months XXXX XXXX, employee, texted a high pressure texts that she, XXXX XXXX, " Will report me. '' if I dont respond. ( I will have XXXX XXXX 's texts available in 5 days. I'm not knowledgable how to download from my phone. )

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 2022-10-02
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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX bank several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.

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 2023-01-12
Company: Experian Information Solutions 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Have both 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 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

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MA
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:
My wallet was stolen back in XXXX and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report

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 2019-06-21
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item from my credit report.

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 2020-11-26
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter to dispute XXXX XXXX. TRANSUNION NEVER RESPONDED TO MY REQUEST. PLEASE DELETE FROM MY CREDIT REPORT.

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 2023-05-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
Company is claiming to sue me over debt that was from a credit card with Identity theft. Told them I did not have that card and was trying to speak to someone about ending the lawsuit they have filed against me. Company has been rude during communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
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, 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 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 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 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021 Bank of america closed my account and on XX/XX/2021 the bank kept my paycheck in the amount of {$720.00} on XX/XX/2021 i first become aware of 5 unauthorized claim charges were submitted causing bank of america to add credit to the account totaling an amount of over {$1000.00} i reported to the bank the bank that i did not make those claims the bank said the frauds team was notified by and automatic alert the moment the claims were being made and they begin monitoring the account the bank stated the claims were made by a phone call to the bank the claims agent failed to follow the procedure to verify the identity of the caller to be who said to be instead the agent matched profile information with the callers inform the caller pretended to be me using my identity while communicating with the agent the claims date back to XXXX XXXX and were all payments i made to XXXX my loan a title loan company who then filed a lawsuit against 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