BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-06
Company: CAVALRY INVESTMENTS, LLC
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A one-time settlement payment was made on XX/XX/2020. I placed a call to the company on XX/XX/2020, the representative confirmed that my account was settled and that the balance owed was {$0.00}. I filed a dispute with XXXX  on XXXX XXXX so that the information would be updated ASAP. XXXX  had found that all the current information of the debt being owed and account status as open was correct, even though I had confirmed with the collector that the account was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a request to transfer {$16000.00} on XX/XX/2023 from my XXXX by Goldman Sachs high yield savings account and the transfer was rejected. I currently live in Florida and am in the process of closing my old checking account ( XXXX XXXX ) and opening a new checking account ( XXXX ) so that I have access to a brick and mortar physical bank. I funded my XXXX XXXX with a majority of funds from XXXX XXXX and some from my new XXXX checking, so both are linked accounts. I requested a transfer to XXXXXXXX XXXX  and XXXX said my new XXXX checking account had not been linked long enough and they rejected the transfer. I am in the process of closing on a real estate transaction and will now miss my closing date. XXXX will only allow me to transfer to my old XXXX checking account that I am in the process of closing. Had I already closed my XXXX checking, then I would have zero access to any of my money in the XXXX XXXX until a certain amount of time has gone by ( 3 months is that I was told by one rep ). How can a bank not allow me to access my own hard earned money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On or about XX/XX/2021, i leased a XXXX XXXX XXXX. 
The sticker advertisement on this car advertised that the car provides for 75MPGa, see attached as a true and correct copy of this advertisement by BMW which also list the VIN of the car leased to me. 
Subsequent to this BMW 's advertisement, i : leased the car.

Within a few days, i : noticed that BMW 's advertised 75MPGa is completely false and i : do not even get half of that.

In good terms, i : first contacted the dealer, i : was told i : should contact BMW headquarters, which i : did, see attached a copy of this email communications with BMWs agents.

In short, BMW 's management denied compensating me for my losses due to false BMW 's advertisement that the car delivers 75MPGa when it clearly does not by BMW 's own admission later on upon diagnosis at BMW.

Since i : have been severely economically and emotionally damaged as a direct and proximate result of utter false BMW 's advertisement that the car i : leased has 75MPGa consumption when it clearly does not, i : am demanding that BMW compensate me for my economic losses. 
BMW has agreed with me that they cheated me, but they do not provide any remedy to me for cheating me -- misrepresenting that the car get 75MPGa, when it does not get even half of that i : researched the law and found out the standard for fraud is 3X the amount of the fraud and i : keep the car, the car 's value is about {$50000.00} times 3 makes it {$150000.00} plus title ownership change to me.

Please fee free to call, mail or email me with any questions that you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: CT
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}

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 2021-06-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am attaching all of my documents included in my dispute.. I am a victim of identity theft and I am stressed that this information is still on my credit report. I have sent Experian all of the supporting information and filed a police report. Help me please.. I was a victim in a previous breach and they are not removing these inaccurate items off of 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 2023-09-26
Company: Experian Information Solutions Inc.
State: WA
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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them 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 explanation
Consumer complaint received 2022-12-08
Company: Prosper Marketplace, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a card on or around XX/XX/2022 and was approved. I was notified that a card would be received in 7-10 business. 

I requested a replacement card a month later on or around XX/XX/2022 because I figure at this point its been lost in the mail. 

I reached out to the company via their website contact us email and have been getting multiple inaccurate and indescript explanations about supply chain shortages etc. 

Issues are : 1. The information about 7-10 days to receive card is false. 

2. A digital card is available for 50 % of the approved limit making the information on my credit report that they are reporting as inaccurate. 

3. Offering credit cards that are not available to consumers is just wrong and deceitful. 

Its been close to 2 months with no sign of the card user agreement or card. 

This companys practices should be investigated.

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 2021-06-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a premier member with Experian credit monitoring. This includes credit reporting updates, protection, quarterly XXXX  and XXXX  reporting and updates. How I havent received satisfactory or no reporting in all these areas since XX/XX/XXXX. In addition because of the insufficient monitoring I was a victim of identity theft at least 5 times since XX/XX/XXXX. Finally Experian maliciously and negligently reported excessive declines in my FICO scores from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. Henceforth, after receiving extremely derogatory on a stolen XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I promptly filed my complaint even though Ive been monitoring the huge gap in Experian FICO score as XXXX ; XXXX  as XXXX ; XXXX  XXXX. To date Experian has also blocked my ability to file disputes with XXXX XXXX XXXX and XXXX and 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 2020-05-19
Company: Experian Information Solutions Inc.
State: MO
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 in a letter to experian disputing items i felt where wrong on my credit report and haven't got an update as of yet.

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: EQUIFAX, INC.
State: DE
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 delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: SEMPER HOME LOANS, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I had been conditionally approved for a mortgage that was closing XX/XX/XXXX with Semper Home Loans. The only two people I have ever spoken to from that company were XXXX XXXX and XXXX XXXX. They assured me that with an extension to XX/XX/XXXX, that would give them enough time to underwrite the file. On XX/XX/XXXX, they told me after I had already signed my closing disclosure, they had made an error doing the calculations for the taxes for the house and that I had to find a way to cut my homeowners insurance in half. TWO DAYS BEFORE CLOSING. I am an insurance agent, myself and I told them that was impossible. And they said let 's see if you pay off a student loan today and it gets cleared, then that should work. So I paid off my {$4200.00} student loan off. And I actually got letters from the student loan office saying that my loan had closed. And they said that was acceptable. Today, on the day of closing, they tell me it's no longer acceptable because it's still pending in your XXXX  XXXX account, something I can not control. I also told them worst case scenario that I would pay a higher down payment. They didn't even give me the option. They are nothing but liars. They constantly told me I was going to be clear to close. Over and over and over saying you're going to be clear. They lost me my house and {$10000.00} of earnest money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
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: Investigation took more than 30 days

Complaint:
i am making this complaint solely on my own. 

on XX/XX/2021 i sent out a dispute letter to experian. asking them to remove items from my report because i didnt give them written permission to allow the items to be on my report. i based my facts in the letter on the law o.c.g.a. 15 usc 1681a ( d ) ( 2 ) ( B ). when i didnt hear back from them by XX/XX/2021, i then called experian and the girl on the phone said she didnt know about the laws so she cant remove items off my credit report. so on XX/XX/2021, i had an affidavit of truth written, signed, and notarized and i mailed it to experian. along with the original letter i wrote and evidence. i have still have not heard back from experian, not by phone, and not by mail. it has been over two months since i originally reached out to experian concerning my credit file and credit report. from my understanding if they do not respond back in 30 days then the items must be removed from my credit file immediately. also from my understanding of the government law the items that are on my report should not have been on there in the first place. please help me to get a response from experian credit reporting agency. thank you cfpb

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: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: First Advantage LNS Inc.
State: SC
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 disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~National Credit Aud/First Advantage and~XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: ALLY FINANCIAL INC.
State: OH
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:
I have no relationship with this company and I did not authorize this inquiry.

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 2023-01-07
Company: QC HOLDINGS INC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Lend Nation XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ( XXXX ) XXXX Account # XXXX The loan was refinanced on XX/XX/2022, in the approximate amount of {$920.00}. The loan should have been due in thirty days, but I was told it was due instead on my next pay day on the 3rd of the month. I was not given a copy of the loan agreement and there is none posted under my user profile on-line. 

I am unable to log in and make loan payments prior to the due date or on due date because the creditor manipulates on-line user account access. The creditor telephones me right after my failed attempts at logging on. I am told they prefer me to call in to make a payment. I often inquire about the change of monthly payment amounts, no on-line statements, and the balance isn't decreasing. 

XX/XX/2022, {$80.00} XX/XX/2022, {$150.00} XX/XX/2022, {$150.00} XX/XX/2022, {$180.00}

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 2022-11-25
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:
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. I found that under section 605b ( a ) XXXX, Equifax, and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief