BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: BMW Financial Services NA, LLC
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:
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX  - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

BMW FIN - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

BMW FIN XXXX XXXXXXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX BMW XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

BMW XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

BMW FIN SVC - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called TransUnion today, XX/XX/XXXX and was lied to by their representatives in XXXX stating they emailed me their investigation results on XX/XX/XXXX from the dispute I submitted on XX/XX/XXXX. How can this be possible if I never received the email and TransUnion still agrees I had a personal account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.? Please review the collection note detail and look at my credit report. 

TransUnion received my request on XX/XX/XXXX. The file number is XXXX. The item in dispute : XXXX XXXX XXXX. As of XX/XX/XXXX I have not received correspondence from TransUnion. 

TransUnion is not complying with the time periods established by the Fair Credit Reporting Act ( FCRA ). As of XX/XX/XXXX they are in violation. I am filing a complaint with the CFPB to help me hold TransUnion accountable to the FCRA. The FCRA says that disputes must be answered in XXXX days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in XXXX  days, and if they fail in that, the disputed item is required to be removed. 

I have filed multiple disputes, and even XXXX  to bring lawsuits, to get inaccurate information corrected in my credit reports

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 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In a letter dated XX/XX/2023, American Express ( AE ) suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address. Attached hereto is a copy of the letter. I have never been notified of this in the more than forty-five years as a Card Member. AE has always maintained my business address for my business card and has never requested my physical address. On XX/XX/2023, I called AE to demand my business card be reinstated and after thirty minutes of being passed around, I spoke with XXXX, supervisor located in North Carolina. The call was consented taped recorded. In speaking with XXXX she stated AE suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address as required by Federal guidelines. I questioned XXXX what were the Federal guidelines AE is asserting as a reason for suspending my charging privileges. I asserted that the letter did not cite any authority to base their decision. And requested to cite the authority that requires I provide a physical address when my credit card is for business only and AE has always maintained my business address. XXXX failed to cite or assert any authority and stated she does not know of any federal guidelines to cause my charging privileges to be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX unable to open an account due to unknown information

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 According with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX ( Original 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

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 2023-09-26
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
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 am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my XXXX  loan. XXXX XXXXXXXX range balance. I am very clueless and I need an explanation from each of the Creditors.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
someone opened a credit card account using my social security number I am a victim of identity theft and would like a full investigation on my credit report and the accounts to be removed and corrected as well as my credit report send to me. the name of the inquiry is XXXX XXXX and XXXX XXXX XXXX ( Bank )

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 2023-08-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage loan with Wells Fargo since XX/XX/XXXX without any missed payments. My XXXX is currently at 56 %. 

I reached out to Wells Fargo regarding eliminating my Escrow Account. Well Fargo has refused citing a mandatory requirement that they can not by law remove an escrow account. They further stated that I must maintain an Escrow Account with Wells Fargo for the life of the loan according to the XXXX. 

I understand that the XXXX can require an escrow account to stay open, but Wells Fargo is not saying that they want the escrow account to remain open. Wells Fargo is stating that they are REQUIRED that I maintain an Escrow account because it is a XXXX XXXX, and the XXXX says that I have to have one. 

I have a saved chat transcript, and a word dictation of the conversations with Well Fargo representatives saying that they I am REQUIRED for the life of the loan to maintain an Escrow Account with them. 

Her is what The VA specifically says on the subject of XXXX XXXXXXXX : Lenders Handbook - XXXX XXXXXXXX XXXX Chapter 9 Legal Instruments, Liens, Escrows, and Related Issues Specifically Page 25 states the following 12. Escrow for Taxes and Insurance 9-25 Change Date XX/XX/XXXX This chapter has been revised in its entirety. 
a. Requirements XXXX  does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. It is the lenders responsibility to ensure that property taxes and hazard insurance premiums are paid timely. A lender who chooses to escrow for taxes and insurance must comply with applicable laws, including the Real Estate Settlement Procedures Act ( RESPA ). 

The reason why I want to cancel the Escrow account is that Wells Fargo has committed fraudulent activities on this Escrow Account. 

I received a letter for my local tax office indicating that they credited 2 cents per one hundred dollars of assessed property value as a credit toward my XX/XX/XXXX property tax payment. 

Wells Fargo failed to apply that credit to my XX/XX/XXXX property tax resulting in an over payment for XX/XX/XXXX. Although small, this amounted to {$88.00}. I received a escrow statement from Wells Fargo on XX/XX/XXXX which made no mention of the {$88.00} reduced payment or credit in my Escrow Account. 

I made two call to Wells Fargo who indicated they they have not record of a reduced tax payment from the local real estate tax office. 

By Wells Fargo saying that they are required to maintain an Escrow Account is false according to Lenders Handbook - XXXX XXXXXXXX XXXX which I cited above, and it appears that Wells Fargo is conducting predatory lending practice against veterans.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

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 2023-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is 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 2022-05-19
Company: EQUIFAX, INC.
State: CA
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:
Right now I am bothered! This is my last and final attempt to sent a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, My name is XXXX, my loan was originally serviced though TMS and then was transferred to XXXX XXXX. I made my first payment to TMS for {$2500.00} of which {$2300.00} was the normal mortgage payment and {$180.00} was extra to be applied to principal balance. At the time of payment the extra {$180.00} was not applied to principal and left in a " suspense '' account. I called multiple times to get this extra payment applied to principal, as the principal balance is accruing interest and it should not be sitting in a separate balance. 

In the middle of XX/XX/XXXXmy loan was then transferred to XXXX XXXX. The transferred balances were as follows : Transferred to XXXX ( XXXX Received ) Principal Balance : {$310000.00} Escrow Balance : {$4100.00} TMS Account at time of Transfer Current Principal Balance : {$310000.00} Current Escrow Balance : {$4200.00} Suspense : {$180.00} As you can see, the balances were not transferred correctly and there has been no action taken to correct these issues. I have contacted TMS by phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I've contacted TMS there had been promise of follow-up and resolution to these issues. I have had no follow-up contact, or even acknowledgement of the conversations via email. Due to this lack of response I've been forced to file this complaint. I feel as though their corporate operations are actively trying to deceive me while not taking any action. At a minimum they need to increase the visibility of their communications with customers, follow-up with emails or phone calls, anything that shows that an account discrepancy is actually being worked on being resolved. The response shouldn't be, we'll fix it, trust us. There needs to be accountability and visibility. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Right now I am bothered! This is my last and final attempt to sent a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

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 non-monetary relief
Consumer complaint received 2020-02-07
Company: CITIBANK, N.A.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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