BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: BMW Financial Services NA, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for BMW to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: IL
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:
THESE ACCOUNTS WERE OPENED FRAUDULENTLY XXXX XXXX  XXXX XXXX {$24000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5200.00} XX/XX/XXXX XXXX  XXXX {$710.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX THIS ADDRESS SHOULD NOT BE ON MY PROFILE I NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX IL 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS, 15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions misleading inaccurant accounts holding me back in life i been consistent with my certified mail goin on a year for future court records please some one -.please respect my rights.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 14. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

17. Validate Account XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

20. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

24. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Westlake Services, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I XXXX XXXX has purchase the loan XX/XX/XXXX with a contract for 48 months term the price of the XXXX XXXX XXXX  {$12000.00} with a {$1500.00} down payment. i Contacted westlake financial services several times which they stated that the payments was posted to my account which i haven't received any balance reduce. I haven't missed any of my payments during the loan, i was sending my payments through XXXX XXXX, drafted out account, and other payments method that was require. So i contacted the director of compliance XXXX XXXX XXXX he took a look at my payments history and stated it was credit it to my account. So i contacted a lawyer and the Federal Trade Commission they alert me that it was fraud against the company, i then contacted XXXX XXXX it show proof the westlake financial services was wire my money to the dealer account and i wasn't getting any credit to my account that why my balance remain the same and the dealer confessed that the company was wiring customers money to his account which wasn't getting credit to their account. Also the company was reported as a scam and over charging customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following. Bankruptcy XXXX XXXXXXXX Reference number : 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 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 Personal Information has gotten into the wrong hands and been used to apply for credit that I did not authorize

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 2021-06-28
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection notice Date : XX/XX/XXXX Amount : {$7700.00} includes interest Creditor name : XXXX XXXX, XXXX / XXXX XXXX XXXX XXXX. 
Collection Agency : Hunter Warfield On XX/XX/XXXX with index number XXXX a lawsuit was filed in the Supreme Court on NYS. The lawsuit is regarding poisonous chemical exposure and the presence of mold in the apartment I rented. I had to vacate the apartment immediately. The rent was fully paid up to XX/XX/XXXX the day I vacated the apartment. My lease was to expire on XX/XX/XXXX. XXXX. 

The collection agency was notified by Mr. XXXX XXXX, my guarantor on XX/XX/XXXX of that there is a lawsuit pending following a collection notification against him as well. 

I called the collection agency today after the receipt of the letter. At first they hang up on me and after subsequent call they notify me that they will not discuss that issue with me but with my attorney ( causing me to spend money on legal fees ). 

The letter I received from the collection agency is misrepresented and deceive the consumer stating that the department of consumer affairs phone number is attached to the letter- XXXX XXXX. When I called that number its the number of Hunter Warfield, the collection agency. 

If lawsuit was filed against the creditor on XX/XX/XXXX why the collection agency proceeding with unlawful collection in XXXX from me and my guarantor. 

The collection agency notified the credit reporting companies to affect my credit and Mr. XXXX credit. 

See attached documents. 

Sincerely, 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 2023-07-20
Company: Experian Information Solutions Inc.
State: GA
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 my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2022-03-17
Company: U.S. BANCORP
State: AZ
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 Personal Information has gotten into the wrong hands and been used to apply for credit that I did not authorize

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MI
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 HAVE LETTERS FROM XXXX ON XX/XX/23 AND EXPERIAN XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( XXXX & EXPERIAN ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
EXPERIAN : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE. 
XXXX : VERIFIED AS ACCURATE

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 2022-12-23
Company: Sequoia Financial Services
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequoia Financial Services is attempting to collect an alleged debt from I XXXX XXXX in which they have not validated there right to collect the alleged debt pursuant to 15 USC 1692g of the FDCPA ( Fair Debt Collection Practices Act ). I have sent a debt validation letter to Sequoia Financial Services demanding that they answer and send all valid information and documents for I the consumer to exercise my federally protected rights and properly assess my obligation to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to pay may credit card balance {$500.00} since XXXX this year but without any success ( in person, online or over the phone- doesn't work/ doesn't go through ). The credit card costumer service doesn't help me. The agents don't know how to resolve my problem. The phone call always get disconnected. I just keep being transferred from one department to another ( even without prior notice ) and nothing happens. The phone calls get disconnected and nothing is resolved. I just want to make a payment. That's all that I ask. I beg you to help me, please. I don't know what to do anymore. Please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-10-16
Company: Linebarger Goggan Blair & Sampson LLP
State: WI
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I filed XXXX XXXX bankruptcy and the creditor was added. The creditor is now attempting to collect on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To expand on the previous complaint XXXX filed in XX/XX/XXXX. I now know that SLS had been a zombie collector who had disappeared for many years to come for my home when the housing market began to recover. SLS started foreclosure proceedings, forced an agreement in order for me and my family to stay in our home during the most vulnerable time of the corona. With an almost 13 % interest rate at double the initial cost of the 2nd from XXXX when I purchased my home. The stress has been debilitating. SLS lied about offers as they did not reach out to make said offers. i understand that you are investigating zombie loans and I have definitely been a victim. It's unfortunate that all they needed to do was respond in a timely manner with lies and CFPB accepted. I hope that you will thoroughly investigate as it was a time barred collection which now has us completely stuck. Yes, this seems to be a XXXX situation as well. By their own submitted records they had no interaction for close to 9 years. see attached

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 2023-07-20
Company: Experian Information Solutions Inc.
State: NC
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have already reached out to Bank of America National Association I was told by XXXX a supervisor in funding they have completed the performance on XX/XX/2017. Performance transferring the principal to the principal account for the principal. Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. Misleading representation and hiding that disclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX XXXXXXXX and XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00XXXX XXXX XXXX XXXXXXXX Balance : {$500.00}

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 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One is charging me an additional 1 % of my balance and adding it to my minimum payment due. This is not listed on my statement. The fees listed did not add up to the break down they show on my statement which prompted me to call call and speak with a rep named XXXX at XXXX ( Eastern Time ) about this and he informed me that is how the minimum balance was calculated. I asked why is this not shown on my statement. He did not have a reply but only that this is how they charge people and they do it to help customers pay down balances faster in addition to the minimum payment required. I stated that this should be at the customer 's consent to do and not automatically done for them on top of not showing this on their bill. This is unjust and unfair. I should have the ability to choose to pay more if I am legally meeting the minimum balance due and that a complete break down of the fees should be shown on my statement.

Company response to consumer: Closed with explanation