BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: BMW Financial Services NA, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was halfway done with my loan payment, before I got into a totaled vehicle accident  which I was not at fault. Issues with the vehicle paint was addressed by me to BMW years before this totaled accident happened, but BMW neglected the issue and did not want to handle it. Their claim after the car was totaled is false and there were no prior damages made by me to the vehicle. I have never skipped a maintenance appointment prior to the totaled accident. GAP insurance and the insurance of the person at fault should have taken care of any difference. I have emails from BMW stating that the loan was paid off. BMW 's lack of honesty and their GAP and Financial departments incompetency have come at a cost that their customers have to pay for the companies mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My auto loan with Chrysler Capital reached maturity in XX/XX/2021. I contacted Chrysler about the loan and asked what did I need to do? I was informed that I should continue to make my monthly payments until the loan is completely paid. I have continued to make payments and received a default letter on Saturday, XX/XX/XXXX, I received a default letter informing me that I must pay {$9500.00} by XX/XX/XXXX or face possible repossession of the car. I contacted Chrysler asking if I could continue to pay the monthly car payment and was told yes, but the car would eventually be repoed. I asked for a loan modification, but my request was denied. I asked again what are my options and I was not given any other option except to pay the balance in full or turn the vehicle in as a voluntary repossession or it would be repossessed involuntarily. There are currently about 17 payments left on the vehicle of which I was looking forward to completing as I continued to make payments. They have charged off on my credit over {$14000.00} and are not willing to resolve this fairly. It's showing charged off, but they continued to accept my monthly payments. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account on XX/XX/XXXX for a {$400.00} welcome bonus when direct depositing {$3000.00} into the account for 3 consecutive months. The bonus was to be deposited within 45 days of meeting the terms. I sent a message on XX/XX/XXXX asking about my bonus and was told that I had fulfilled the requirements and would receive my bonus by XX/XX/XXXX. I sent another message on XX/XX/XXXX after it was not deposited and was told to wait 14 days for a response in mail. I received a letter in the mail dated XX/XX/XXXX that said I am ineligible because I didnt satisfy these requirement : Existing customers that open an additional account are not eligible for this promotion. 

The terms of the bonus I have say one is ineligible if : A current owner of a consumer wells fargo account A wells fargo team member Received a bonus in the last 12 months I did not have a checking account open when I opened this account. I have received a bonus in the past, but it was in XX/XX/XXXX, well before the 1 year requirement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my Transunion credit report and noticed inquires by XXXX XXXX XXXX that I didn't authorized. I've never done business with this company

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 2022-08-27
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with fair credit act XXXX has violated my rights it also states consumer can not furnish an account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion, XXXX and XXXX have been trafficking my information by assembling my consumer report. This information is a violation of my confidentiality as a private natural person. These 3 agencies have a responsibility to keep my information private. My request to have transunion to remove over 25 hard inquiries, XXXX to remove over 13 hard inquiries and XXXX  to remove over 33 hard inquiries. I've made several attempts with all 3 companies. I will follow through if this is not taken care of immediately with adverse action 15 usc 1681 18 usc 1028 with penalties for each violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX Balance XXXX XXXX XXXX, XXXX Original creditor : XXXX XXXX Balance {$330.00} XXXX XXXX XXXX Original creditor : XXXX Balance {$570.00} Date opened XX/XX/XXXX. I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-02-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rushmore loan payments on my mortgage to XXXX XXXX Rushmore added their own insurance to my account. When it was sold to Rushmore by XXXX XXXX everything was to be the same well my payment went from XXXX to XXXX because this company tacked on a Hazard insurance of {$640.00} and I don't know who authorized it I did not. Looks like this is what kind of business they tend to run as the consumer we need to find a way to put the crooked business out of business account XXXX account XXXX XXXX XXXX I don't know why they also changed name when I have all proof of it with XXXX XXXX and The TIN # assigned by IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I keep getting an email every month saying that my statement is undeliverable. My account login has ALL my business and personal credit cards and all the contact info is the same. I should be getting my statement through email and I don't know why I keep getting this notice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX did abuse the conscience of the Consumer by using deceptive forms for an auto loan. In XXXX  XXXX XXXX extended credit creating a debt with XXXXXXXX XXXX dealer in XXXX Michigan. I exercised my Consumer right of rescission and informed the dealership to come pick up the vehicle from my home. Based on the rescission efforts done in good the security interest was to be returned to me in accordance with the Truth in Lending Act. XXXX XXXX failed to return any security interest and the credit that was issued to them. Also XXXX XXXX  along with XXXX XXXX in Michigan committed identity theft due to not returning my wet ink signature contracts signed by me nor did they return the down payment that was not included in the finance charge. Both XXXX XXXX and XXXX XXXX did gain an interest in my private property in accordance with 15 USC 1667 ( 5 ) a security interest was granted to both XXXX XXXX and XXXX XXXX that secured my obligation to pay.

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 2022-12-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX Transunion is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave XXXX or Transunion any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.

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 2021-05-14
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
How can there be a 90 day late report in my credit report, there is not one of 30 and neither one of 60, I did not have previous arrears so it does not make sense that they report something like that, it affects me since it appears in such a way In my credit report, it is a violation and a gross error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/20 I called my bank to dispute a charge from a buy here pay here transaction that took place on XX/XX/20 since I had returned the vehicle after the dealer refused to reach out and help me. I ended up involving the Attorney Generals Office and the DMV Inspectors office about this issue and have also had the chance to submit my evidence. Besides the day I called my bank to dispute the transactions and to periodically ask for updates my bank never called to ask for my evidence and took it to arbitration without ny knowledge or calling me for my evidence so I ended up losing my {$1800.00} deposit and the {$72.00} fee for using my card. I have since contacted the Attorney General the FTC and theXX/XX/XXXX and an Attorney and the Bond Company of the auto dealer to submit my evidence. I have tried several times to advise the bank I want to file a formal complaint and I keep getting emails asking to to reach out with questions and there is nothing more they can do. I am asking to file a formal complaint and for any other help or resources I can contact to prevent anyone else from dealing with this issue and to maybe to help any previous citozrns.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX  # XXXX {$10000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer 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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The 3 Credit Bureaus, TransUnion, XXXX, & XXXX  are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

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 2023-07-18
Company: EQUIFAX, INC.
State: IL
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 am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data. I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Acknowledgment of information in a response letter to CFPB from Mr. Cooper. 

XXXX XXXX is quoted as stating : " Our records indicate per the Agreed Order, the Proof of Claim ( POC ) amount was {$13000.00}. You were expected to make the first post-petition installment beginning XX/XX/2016, and were to continue making post-petition installments every month thereafter. '' Please review the attached document filed as the objection to the U.S. Bankruptcy Court which was grounds for the original confirmation not being approved. This document shows how the mortgage provider used tactics to delay confirmation hearing as well as the use of false documentation to the Federal courts. Mr. Cooper 's objection claim of XX/XX/2016, stated " Creditor intends to file a Proof of Claim in the approximate amount of {$20000.00} for past due payments ''. 

The mortgage provider 's own documentation in response letters is showing these inaccuracies.

Company response to consumer: Closed with explanation