BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: BMW Financial Services NA, LLC
State: DC
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:
On XX/XX/22 by way of Certified U.S. Mail XXXX XXXX I sent a letter to BMW advising of inaccurate information being reported about a leased vehicle account. Prior to reaching out to BMW, on XX/XX/22 I disputed the information with the credit bureaus advising that the information being reported was inaccurate and casing damage to my creditworthiness. Specifically, BMW is reported that my account has a " high credit limit '' of {$16000.00} -- this is not true and this number does not reflect any balance or limit associated with this account. Secondly, BMW reports that I owe a balance of {$3400.00} that is being paid off at $ XXXX. This information is totally inaccurate. I do not owe a balance on the lease because I bought out the lease and I now own the car. I have never had a {$36.00} payment. The entire account as reported is inaccurate and BMW refuses to correct what is a clear and obvious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Resurgent Capital Services L.P.
State: TX
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Problem with rewards from credit card

Complaint:
chase sapphire reserve trip delay coverage contracted through eclaims is a scam. eclaims politely denies all claims for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: SC
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 true name is XXXX XXXX XXXX. It has been crossed by the credit bureaus, specifically XXXX  and experian. I went before a judge, showed him my birth certificate, my ss card and my driver license, all with the name XXXX XXXX XXXX on them for years, not just recently. All the authorities, police and sheriffs, know my true name. I have been a victim of id theft. XXXX  on my social security number, put back on my ss # all the fraudulent accounts, experian placed all the fraudulent inquiries and an XXXX XXXX account and inquiry back onto my ss #. This is illegal and against the law. Please take notice, do not let these CRA 's get away with being criminals and break the laws of ID theft with no punishment.

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 2023-09-20
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:
Credit Reporting agency was updated by me and sent certified letter on XX/XX/23 of blocking of account due to account not mine and illegally reporting actions. Company failed to update personal consumer report within four days as required by law. Proof provided that account in question is owned by entity and not by me personally in which this account is being 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 2023-11-09
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was paid {$6.00}, {$400.00}, and {$370.00}. The 'remit to " address changed XXXX XXXX XXXX between the {$6.00} invoice due XX/XX/2023 and the {$770.00} invoice due XX/XX/2023. However, the account number remained the same for XXXX XXXX # XXXX. I am attaching the cover letter and proof all amounts were paid with cancelled checks that were endorsed by the company. I filled a dispute with XXXX on XX/XX/2023 to prove the {$770.00} was fully paid with two checks {$400.00} deposited XX/XX/2023 and {$370.00} deposited XX/XX/2023. I use their website XXXX submission portal and attached all supporting documents that I am also attaching to this complaint. I heard nothing from this dispute and assumed they completed the research and applied the payments properly to fully pay the invoice. 
On XX/XX/2023, I received a collection notice from Paragon Revenue Group ( likely a 2nd placement collection agency for the original debt paid to XXXX XXXX ). The invoice was for the same {$770.00} also included in the attachment file. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rent Recovery Solutions since XX/XX/XXXX has been attempting to collect a debt owed by me for a leasing contract. They have the debt listed in my name and my XXXX  daughters name. I informed the first two reps over the phone and the second rep advised me to send in documents. The collection letter also stated I owed {$1000.00} with no interest or payments being applied. I sent them a for a dispute letter via certified mail in late XXXX beginning of XX/XX/XXXX to remove my daughters name from collection item as she was not a lease holder along with copy of lease showing she is an occupant as well as a copy of the statement from the apartment leasing company of the balance owed being {$960.00} and to provide new letters with the minors name removed as well as the correct balance or why they are saying I owe additional {$87.00}. To date I have received nothing but on XX/XX/XXXX I received a call from XXXX XXXX leaving a voicemail on my phone yet again asking for my XXXX  daughter. I called him back to explain for the now 3rd time what had occurred and that I sent a dispute and he proceeded to hang the phone up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Klarna AB
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been trying to get this resolution with Klarna for over a month and they keep telling me that they are going to get it fixed and all I am getting is the run around. I have kept my account in good standing and I have never had a problem using my card until XX/XX/2021 and since then they will only tell me the same thing and not fix this issue. They say the system wants to verify my identity but they will not give me an option to provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am seeking help with resolving fraudulent charges by XXXX XXXX from my Bethpage credit union checking account. On XX/XX/23 XXXX ( XXXX ) separate transactions of {$180.00} were debited frommy account by XXXX XXXX. I contacted the Bethpage Dispute Department to report the fraudulent charges. They advised they would refund the monies and investigate the charges. In addition to the fraudulent charges, I was penalized with XXXX ( XXXX ) courtesy pay fees of {$10.00} each and an overdraft fee of {$29.00}. On XX/XX/23 Bethpage credited my account XXXX ( XXXX ) charges in the amounts of XXXX each. On XX/XX/23 Bethpage debited my checking account XXXX ( XXXX ) charges of {$180.00} and an overdraft fee of {$85.00} from my savings account.I contacted Bethpage today XX/XX/23 about the debits on my accounts and was told that they completed their investigations and the charges by XXXX XXXX were verified and substantiated therefore the monies have been debited from my accounts and I take the loss. Beth page informed me that the XXXX XXXX activities were to XXXX. I know no one in XXXX and authorized no XXXX XXXX transactions.Appalling to me is that Bethpage  has no explanation on why there were no safeguards in place to protect my monies. After XXXX transactions of the same amount within the same timeframe, there ought to have been some red flags to shut down my accounts or verify the transaction with me. Instead, Bethpage allowed XXXX transactions for {$180.00} to be deducted from my account and unapologetically state this is unfortunate for me. I placed my monies in Bethpage thinking they had safeguards and insurance to protect my small assets.Incidentally on XX/XX/23, the same activities by XXXX XXXX were done to my XXXX XXXX account. XXXX transaction of {$180.00} went through and a hold was placed on my account when another attempt to withdraw the same amount was done. Unlike Bethpage, XXXX XXXX  had safeguards to protect my account from fraudulent activities and refunded my account for the fraudulent debit. Please, please assist me with regaining my funds and putting an end to Bethpage 's nonchalant operations. 
Bethpage operations sent me documentation from XXXX XXXX that satisfied their investigation. The documents listed my address incorrect, the funds were sent to XXXX and I know no one in XXXX, A XXXX XXXX was used and I don't own one, the IP address was from Texas and I am in New York. I look forward to your response and assistance. The dispute # with Bethpage is XXXX and I spoke with XXXX in their operations department. ( XXXX ) XXXX. 
Sincerely,

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 2020-04-06
Company: Paramount Recovery Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX, and XXXX  have my previous name stored as XXXX XXXX ; however, my name is XXXX XXXX XXXX. This has allowed for two different collections companies to post inaccurate information on my credit reports, resulting in a credit score decrease.

# 1 XXXX  Only XXXX XXXX for {$3800.00} Actions Taken : They sent multiple letters address to XXXX XXXX prior to adding this to my XXXX  credit report. I've sent them all of the backup information proving this is not my account, yet it has not been removed.

# 2 XXXX   & XXXX  Only Paramount Recovery Systems for {$2800.00} Actions Taken : This account was originally disputed on XX/XX/2019, XXXX XXXX XXXX XXXX in the amount of {$2800.00} under the name XXXX XXXX. On XX/XX/2019, it was removed from all ( 3 ) of my credit reports. Immediately afterward XXXX Hospital instructed another one of their collections companies Paramount Recovery Systems to add a collections account for {$2800.00} to all ( 3 ) of my credit reports. Since then I contacted XXXX, XXXX, and XXXX, only XXXX has removed the Paramount Recovery Systems {$2800.00}. I sent XXXX  and XXXX  all of the backup information proving this is not my account, yet it has not been removed. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: AES/PHEAA
State: CA
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:
In XX/XX/XXXX, I graduated from XXXX XXXX. I finished classes in XX/XX/XXXX and officially graduated in XX/XX/XXXX.

In XX/XX/XXXX, my loan servicer notified me that I had lost the subsidy on my subsidized loans due to exceeding the 150 % time limit for my program at XXXX. However, I started at XXXX  in XX/XX/XXXXand was in a 4 year program. As such, to have exceeded 150 % of the length of my program, I would have had to make it through a 6th year at XXXX  and start a XXXX  in Fall  of XX/XX/XXXXwhich did not happen. Furthermore, the notice was sent out before Fall   XXXX  at XXXX even began so the timing isn't right for that being the issue either ( cropped copy of the letter with dates shown and personal info removed is attached ). 
I contacted my loan servicer and was instructed to contact XXXX. I contacted XXXX about this issue multiple times since them, and XXXX representatives stated I should have had no issues and that I hadn't exceeded the limit. I went back to my loan servicer with this information and asked what my next steps should be and they haven't given me any helpful responses. They have simply told me that my status is listed as " in school - part-time '' and my account has continued accruing interest it shouldn't be gaining yet. They haven't even acknowledged my concern about my loss of subsidy not have they explained why the paperwork they sent says I lost my subsidy due to exceeding a time limit that XXXX says I haven't exceeded. If there's another reason for it, they haven't offered one. It has accrued hundreds of dollars of interest at this point and haven't given me a meaningful response to any of my attempts to get this resolved. I sent another request to both FedLoans and XXXX today, XX/XX/XXXX, but I'm not confident anything will improve, so I've decided to file this complaint. All of my contacts to both XXXX and FedLoans were completed digitally, so I have full records of all responses if needed later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: SYNERGY ONE LENDING, INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX as a veteran I was preapproved then subsequently given a closing date of XX/XX/XXXX. They asked me to pay the VA appraisal upfront which I did. On XX/XX/XXXX I was told the appraisal was not done yet and that everything was running smoothly. On XXXX they said the higher ups decided to change the credit score criteria and I no longer was eligible for a loan. They havent refunded my appraisal fee. I found out through the VA they lied since the appraisal was done on XX/XX/XXXX. They also lied to my realtor and my attorney. Their loan denial letter states I have delinquent payments which is not true. They are misrepresenting the fact I was denied because they changed their criteria. The managers have apologized profusely and admitted I was qualified and they also are not giving me access to my identity documents I uploaded on their app. The company is XXXX XXXX  XXXX through XXXX XXXX   XXXX. This has affected me greatly since I had already promised to vacate my current house in XXXX. I also believe the denial letter is fraudulent and all their denial letters should be audited. Bad business practice and a shame for US Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: S&N Debt Solutions, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I enrolled four accounts in a debt settlement program with Beyond Finance in XXXX, XXXX. In XXXX, I removed two accounts from the program. I paid upwards of {$500.00} per month into an escrow account, for a current total of {$3900.00}. 

As of XX/XX/XXXX, they had not settled either of the remaining accounts. On XX/XX/XXXX, I asked to close my account and have the money in my escrow account returned immediately. The customer service representative I spoke with said that the full amount in my escrow account would be returned to my bank account within 7-10 business days. Today ( XX/XX/XXXX ) marks 10 business days, and the amount has not been deposited in my account. I spoke to two separate customer service representatives on the phone, one of whom said that my account was still pending and the second of  whom said that I should receive my money no later than Monday ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: WI
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:
Experian is reporting an item on my credit report incorrectly and inaccurate. Other bureaus removed this item, do the same thing Experian!

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 2021-05-25
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Wasn't originally informed I owed money. They just put it on my credit report. Multiple calls and text messages all different hours. Contacting my family members and friends Harassing them and me. I did not give them my family members number. Put my information out.Changing fees I don't owe. Committing fraudulent activities. They told me if I pay half of the debt they will put the other half on some else. The rental agreement was never signed by the other part on the lease. They forced his signature. I have multiple witnesses that he did not sign the rental agreement.

Company response to consumer: Closed with explanation