BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: BMW Financial Services NA, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2014, I financed a pre-owned BMW through BMW Financial Services. I even paid {$2000.00} for an extended warranty on the vehicle. Within 45 days of my purchase, it became evident that I purchased a lemon ; as the transmission went out on the vehicle. I had the vehicle towed to the BMW dealership, only for them to tell me that the transmission was not covered in the {$2000.00} extended warranty I had purchased. I was incensed. To " help me out, '' the dealership offered to take this vehicle back as a trade-in, and if I paid another {$3000.00} down payment, give me another vehicle. I reluctantly agreed. The original auto-loan was rectified through the trade-in, and I financed another pre-owned BMW through BMW Financial Services.  Within 2 months of driving the second vehicle, the engine blew. Once again, this was not covered under the extended warranty, and BMW offered no help. It was obvious that they hold sold me two lemons in a row. The only solution they offered me was to pay {$14000.00} to replace the engine. I knew I was being swindled by BMW, and I did not want to continue to do business with that organization. I had already lost too much time and money. I expressed my displeasure to the dealership, and let them know that I was leaving the 2nd inoperable vehicle with them. They told me they understood, and that would be fine. Considering the thousands of dollars I had paid in down payments, extended warranties, towing charges, and other inconveniences ; I assumed the finance contract for this 2nd vehicle was also resolved. After all, they had sold me two $ XXXX vehicles that had become inoperable within weeks of the purchase. A couple of years passed. Recently, I discovered that BMW Financial was reporting this account on my credit report as an unresolved repossession. And furthermore, they were reporting that the outstanding balance was {$16000.00}. That's the full amount left on the service contact when I left the vehicle at the dealership. I am certain that the BMW Financial re-sold this vehicle, and I was shocked to see that they were holding me responsible for the full balance left on the finance contract. I immediately disputed this account with XXXX, XXXX, and XXXX XXXX. I have done that several times now, but BMW Finance continues to say I owe them $ XXXX. I completely disagree with this, and have expressed this to BMW. I suppose that BMW became angry that I disputed this debt, as they have recently hired a nasty collection agency named XXXX XXXX XXXX to start harassing me over this contested debt. As if it wasn't enough that the BMW organization had already swindled me out of thousands of dollars for two worthless lemons, they are now hiring a collection agency to harass me for another $ 16,000+, despite the fact that the statute of limitations has already expired anyway. There is no way this can be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: KS
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account name : XXXX XXXX XXXX XXXX Account number : n/a Date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : n/a Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : Date : XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a validation of debt to reassure this debt was mine debt. the compna sent me a improer validation. I requested what i signed to accure this debt and only was sent another bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Flagstar bank is improperly collecting property taxes from a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  They have been unprofessional, rude, and untrustworthy for the past several months.

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 2022-10-12
Company: EQUIFAX, INC.
State: MN
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 was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act XXXX. All of these accounts below have violated my rights under 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. 

1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by the XXXX and XXXX  credit bureau that I had received a collection ( First time ever ). The company that put this item on my credit report ( Without any prior notice ) is named Plusfour.Inc. I have not received any notification from this company and do not know where or how they got my information. 
After reviewing the collection on both XXXX and XXXX  I found several inconsistencies. 
The first one is the company claims their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. However, the collection that was reported on XXXX  was listed under a XXXX XXXX ( XXXX  ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV, XXXX. I found the company to have minimal contact information online as well as in their collections that were put on my report. 
The company in questions has many consumer complaints against them from fraudulent claims. I believe this is another case to be consider fraud until they can send me information regarding the collection, as I have medical insurance that covers my medical bills. From what it seems it is a supposed " XXXX bill '' with no date of service to be included in the collection whatso ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I DONT RECOGNIZE THESE INQUIRIES, DELETE PLEASE 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 2023-12-13
Company: Kikoff Inc.
State: GA
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 have tried contacting kickoff several time last month but no response, I pay them for there service and I get no response so they are just taking people XXXX XXXX XXXX XXXX  and never responding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: VT
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 had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX { Credit Bureau : ALL XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, 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 2023-06-08
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've disputed letters to the credit bureaus XX/XX/23, along with an ftc report as i was a victim identity theft. The credit bureaus XXXX, XXXX, Experian have ignored my complaints.And i have sent out another set of letters reguarding this inaccurate information. 

*Creditor : XXXXXXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX, Account : XXXX *Creditor : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ), Account : XXXX *Creditor : XXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : XXXX *Creditor : DEPTEDXXXX, Account : 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 2019-07-05
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
My complaint is against ARS Account Resolution for 13 medical billings on my credit report. This is re-aging of accounts which is not a legal practice. For this unlawful practice I requested that they remove accounts from my report, they refused. I also disputed the items through each credit bureau requesting they advise the agency of these unlawful practices. Some were removed from XXXX and XXXX. XXXX did not remove any. 
I also am filing a complaint XXXX  actually allowed the collection agency to correct the dates after I submitted my dispute for re-aging of the accounts unlawful practice an. I contacted all three bureaus and complained and resubmitted the disputes for unlawful re-aging, awaiting outcome. 
My complaint extends to all 3 credit bureaus for not handling my dispute properly and once the problem was pointed out by me by calling not complying with my request to have them removed.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My social security number, drivers license and business ID was illegally used by my sister and husbands tax preparer for their personal gains. I paid him XXXX XXXX dollars on XX/XX/XXXX to help get me some type of aid and assistance that will help my business thrive without the stress of constantly working XXXX hrs a week. Throughout that process of waiting, my fiancs brother stole my wallet not even XXXX months later, due to his lack of accountability in our friendship. I have XXXX growing sons that I work hard to keep out of the realms of the vanity that exist this world. XXXX thing is once I told him No for the first time he steals my wallet and piles onto the compile of defrauding the XXXX and other lenders for illicit. I finally checked my credit score and noticed an extreme amount of inquiries. Just received a business credit report just to see my tax were altered from XXXX til now. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported

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 2021-06-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent Navy Federal Credit Union a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my debt of " {$27000.00} ''. Nor did I receive notice of right to dispute from Navy Federal Credit Union. Navy Federal Credit Union sent me two letters on XX/XX/XXXX and XX/XX/XXXX that did not disclose it was an attempt to collect debt. Both letters on XX/XX/XXXX and XX/XX/XXXX requested a payment of {$240.00} a month at 6 % interest for 12 months. 

I sent Navy Federal Credit Union a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my Cease and Desist Letter. Since then, Navy Federal Credit Union has harassed me and my grandmother through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; via email ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), text ( date:XXXX ), phone calls ( dates:4/28/21, XX/XX/XXXX and XX/XX/XXXX ), called my grandmother ( date:XXXX ) and physical mail letter ( date : XX/XX/XXXX ). This physical mail letter threatened to take negative action against my credit report. As a result, my credit report is impacted with negative remarks on XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit score has decreased significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I been victim of identity theft then inquiry without my knowledge from XXXX XXXX XXXX XXXX Experian is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX XXXX then now I am not sure what else to do anymore then all my credit report Beau XXXX me up XXXX and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX off by police and sheriff and feds then plus treated as a XXXX XXXX  to abuse the XXXX and XXXX and my family too doing this to me sinceXX/XX/1977too and growing up so XXXX since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and no one will help me to get me out of XXXX and XXXX domestic XXXX and XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a bot or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything

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 2023-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Around XX/XX/2021 experian and XXXX received a bankruptcy account from XXXX. I disputed the accounts to see who furnished the accounts and it came out ot be XXXX. XXXX is in violation of 15 USC 1681b and had no permissible purpose to furnish any information to any unaffiliated 3rd party. After disputing these accounts with XXXX they ruled that the accounts were not verifiable, and we deleted. However, XXXX and experian are still reporting harmful information that has been proven to be unverified from the furnisher.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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