BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: Home Loan Center, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Hello, I am in the market to find a loan for a new car. I found the site Lending Tree where I read that I could get the rates from several companies. I filled out the form and at no time was told I would be getting a hard inquiry from any companies. The form led me to believe I was only going to get general rates ( which of course they hide behind these forms ). After filling it out, I was told the companies would contact me. What I am now receiving is full on loan application responses with hard inquires done. Some of these are coming from companies that were not even mentioned on the application. 
I called the company and was told the possibility of a hard pull on my credit was noted in their disclosure forms. These forms were not presented nor mentioned during the process noted above. I would have never agreed to have hard inquires as I already have 6 on my account and have waited over a year to bring that down from 12. Now I expect to have many more that were never wanted or asked for.

Needless to say I feel very misled and lied to. My family depends on my credit score and they have done significant damage to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account with Discover was locked out then after sending in ID and numerous follow up calls in re as well as attempts to reach a manager, was told account is closed. Since account is closed and access restricted, I do not know details of account activity such as bill payments, ACH payments, deposits, etc .... I request Discover send statement of final account activity as well as a check for remaining funds in account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am re-submitting an another complaint with the CFPB, seeking confirmation that the Credit Bureaus XXXX, EQUIFAX, and XXXX will take the necessary steps to examine and aid in the removal of the fraudulent inquiries I detailed in my past and current complaints. I respectfully ask the CFPB to partake in aiding me to address the issues prevalent in my credit report. Presented herein are certain items that I suspect were initiated under an alleged identity theft situation, requiring urgent attention and, if feasible, quick removal : 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 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 2019-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery calls at least 5 times a day and they never leave messages. Every day I get calls from different states. In never had anything with this company. I just need them to stop harassing me. I did some research and they are included in a bad list by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to find my elderly brother a place to stay in Hawaii after his second XXXX vaccination shot. I found a listing on XXXX XXXX XXXX XXXX XXXXXXXX ) and contacted the agent ( or so I thought ) for the apartment. His email is " XXXX ''. I was told to make payment through XXXX. I have never used XXXX before, but was it was through my bank, KeyBank, so I assumed there were protections in place. To be cautious, I first sent {$200.00}. as a deposit, and it went fine. Then, a few days later, I sent the rent payment of {$450.00}. After that, I was supposed to get pin code for the apartment. But, of course, I did not. I immediately called my bank, KeyBank. But, I was told that they could do nothing ... that XXXX was supposed to be used as payments between friends and relatives. Why, then, is this an advertised banking app ... not a " friends and family '' app. I feel the bank and XXXX are COMPLETELY aware that they are the app of scammers, but are looking the other way to make a profit. I feel they should be able to AT THE VERY LEAST, shut down the scammer 's XXXX account. But, I was told no ... nothing could be done. Perhaps you will have better luck. 

The {$450.00} XXXX payment was made today through KeyBank to the following XXXX account. 

PAYMENT VIA XXXX XXXX : XXXX Name : XXXX XXXX I am ashamed that I fell for this scam, but angry that my bank and XXXX helped perpetrate it. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
remove not mine fcra vioaltions : XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, SC XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, TX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus have never responded to my multiple emails since XXXX. I have been expecting their correspondence for the past 60 days, however, until now no updates have been provided from these agencies regarding these accounts below : XXXX. XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXAccount # : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX # : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX # : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/23 I sent a dispute letter to TransUnion to dispute the 30 day late payment that is being reported on my TransUnion report, that is not accurate. TransUnion DID NOT investigate the account, they instead sent out a STALL letter to me stating that they had " received a request but it didn't appear to have come from me, that they believe a " credit clinic '' sent the dispute letter! I printed, wrote in my SS # and Date of Birth, attached copies of my identity and address verification- and signed and mailed it myself! They are only buying themselves time and this is against the FCRA, which requires TransUnion to do a TIMELY investigation! They need to remove the late payment being reported on the account because it is not accurate. XXXX XXXX Acct # XXXX. They failed to do a timely investigation.

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 2023-09-10
Company: BMW Financial Services NA, LLC
State: CA
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 writing to formally file a complaint against BMW Financial Services regarding a concerning experience I had with their website, which resulted in technical difficulties when attempting to switch my payment method and subsequently caused a late payment on my account. I believe that this late payment is not my fault and warrants investigation by your agency. 

Details of the Incident : Account Information : XXXX Number : XXXX Account Holder Name : XXXX XXXX Incident Date : XX/XX/2023 Description of the Issue : I attempted to log in to the BMW Financial Services website to switch my payment method to a new one and to make my monthly payment. To my dismay, I encountered severe technical difficulties on the website, preventing me from completing these essential tasks in a timely manner. 

Specifically, the issues I faced included : Inability to access my account : Upon attempting to log in, I received error messages and was unable to access my account. 
Payment method change failure : Even after numerous attempts, I could not successfully change my payment method to the new one I intended to use. 
Payment submission issues : The website continuously displayed errors when I tried to make my payment through the available online payment options. 
Consequences : Due to the technical difficulties I experienced on the BMW Financial Services website, I was unable to make my payment on time, which subsequently resulted in a late payment. I firmly believe that this late payment was not due to any fault of my own but was solely the result of the website 's malfunction. 

Attempts to Resolve the Issue : Following the incident, I promptly contacted BMW Financial Services customer support to report the issue and request assistance. While they were able to accept my payment over the phone and assured me that my complaint would be addressed, I have not received any satisfactory resolution to date because the late payment first hit my credit report on XX/XX/2023, was removed on XX/XX/2023, and was reinserted on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I am XXXX and XXXX 's most caring XXXX. I am also XXXX XXXX XXXX XXXX. XXXX rules require me as a licensee to have a trust account co-owned by the state of Nevada for all my XXXX ' deposits. That account is XXXX. XXXX. The purpose of this account is for the state to be able to return XXXX  ' monies if I die or I lose a state dispute. 
I have four other business accounts at the bank owned solely by me. 
Today all XXXX want to do transactions by XXXX. I, however, only use this account when I return XXXX  funds. Sometimes I go years without sending a dime. 
This XXXX I had three XXXX  move out. 
State law says the XXXX  is liable for TREBLE damages if I don't return their funds in 30 calendar days from move out. 
I sent the first XXXX, in XXXX XXXX, {$6200.00} by XXXX. Paid! 
The second one, in XXXX, I owed {$15000.00}. I sent him {$1000.00} a day until I reach my XXXX limit, owing him money. 
I needed to XXXX the third tenant {$7200.00}. Since XXXX was unavailable and the clock was ticking toward treble damages, I drove to XXXX XXXX XXXX to hand my XXXX of seven years a check. 
They were angry I couldn't XXXX them. They needed these funds to pay for their next security deposit. Instead of having their money instantly, they had to wait until the check cleared. They ALMOST lost their next housing because of this policy. 
The XXXXXXXX XXXX were ski instructors from XXXX. I can not send them a check since they could not easily cash it. I could wire the money but then they would have to pay a fee, which is my responsibility because they don't have to pay to get their money back. And why should I give the bank wiring fees when I could XXXX it for FREE? To me this is a policy to keep me from my money so they can make more. 
I first approached XXXX to raise my monthly limit on this account ONLY. They said only my Wells Fargo banker could do that. I then went to my branch and met the branch manager. She escalated my request to the powers on high. My escalation no XXXX. 
Wells Fargo then refused to raise my XXXX limit on this trust account. They said only XXXX could do it! 
XXXX 's policy puts me at risk of treble damages AND severely inconveniences my XXXX 
I did mention that this is NOT my money. I am just its trustee. All I want to do is comply with Nevada law and return money that is NOT mine. 
I am not asking to up my XXXX monthly limits on any of my personal accounts. 
Both XXXX and Wells Fargo pointed the finger at each other. Neither fixed my problem. 
I am asking you to require them to raise my limit to the amount of money in the trust account in case all my XXXX  suddenly abandon me and I have to return THEIR money.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
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. 

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 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 has violated my rights. 

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 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 2023-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
For the past XXXX months I have been sick and unable to get anywhere with SPS on the following issues : Why did they withdraw my application for assistance? 
Why did they construct a repayment plan that I can not afford? 
Why don't SPS try to help me instead of offering a resolution? 
Why do they keep saying that I am ineligible for assistance? 
Why did SPS ignore our serious health issues, I wrote a hardship letter, and they simply ignored the facts regarding our health. 
Why does SPS ignore providing me with XXXX  assistance, I was diagnosed with XXXX, and this has impacted my life both mentally financially and emotionally. 
Why does SPS continue to place stress on me? 
Why does SPS want our home when we are sick, almost XXXX XXXX XXXX? 
Why does SPS want to foreclosure and take our home. 
These are serious concerns that your response never addressed or even came close in offering a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MN
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 previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my debit card at a store for lunch. When I returned to work, something told me to check my account balance, once I checked it, I noticed 11 unauthorized transactions. I immediatly called my bank, they imformed me that I had to wait for the transactions to post to my account before they could start the dispute. The transactions are as followes : 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, and all within minutes apart. I received an email from Chime stating that no error occured and that they would not get my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: PA
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 was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.

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 2023-01-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
My husband is currently XXXX to XXXX. The credit card is under his name, i have submitted the power of attorney and this company refuses to speak to me and keep charging me interest. I have been calling since XXXX and everytime i call its a different story and that they havent recieved it. I have mailed, faxed and uploaded the paperwork. i need help. I am under the SCAR act and its unfair to be paying all these fees, {$40.00} since 3 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 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