BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: BMW Financial Services NA, LLC
State: CA
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:
My credit report is showing late payments to Bmw Financial Servic XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Bmw Financials customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On or about XXXX I wrote a letter to the Clerk of Court, United States Bankruptcy Court, XXXX XXXX of Indiana asking to verify the procedure in which the court verifies records with credit bureaus Transunion, XXXX and XXXX. On or about XXXX I received co the Correspondence from the clerk stating " The Clerks office does not provide information about bankruptcy cases to third parties, including credit reporting agencies. On or about XXXX I filed another dispute in writing with the 3 before mentioned credit agencies and specified the information from the clerk of court and demanded the bankruptcy be removed from my credit file because the reporting requirements do not comply with FCRA 611 ( 15 U.S.C.1681 ) The bankruptcy in question was dismissed on or about XXXX  by motion of the court.

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 2022-11-18
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Financial Data Services requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Financial Data Services to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. Account Numbers are as followed : XXXX {$610.00} XXXX {$360.00} XXXX {$370.00} XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: CA
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 two collections files on my report that are old debts being reported as new. They are way past the statute of limitations for credit reporting agencies to keep these types of files on reports. I have submitted at least two disputes with no action done to resolve my issue. I am asking that the two files in question be removed 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 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2023 my credit was pulled by : CAPITAL ONE XXXX CAPITAL ONE XXXXXXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/PPC/Account # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2022-11-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Beginning XXXX of 2020, I was contacted by a debt collector about my Amex bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have XXXX  out the company is not part of Amex collections but a separate debt collector ( XXXX ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed Amex ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be Amex and then is not able to be contacted. At this point, I do not know what they are doing with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXXXXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX Account # XXXX, has violated my rights 1XXXX 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I paid off XXXX and requested ( 2 times this far ) they remove the debt collection by XXXX XXXX from my credit report. 

Although XXXX XXXX assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.

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 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
In accordance to the fair at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was on a forbearance plan and it ended in XXXX of 2021. We selected a XXXX XXXX agreement to take care of our mortgage. We received all the paperwork and submitted the paperwork to the mortgage company in XXXX. We were sent paperwork saying our first payment was being held because there was a discrepancy. I called several time to Us Bank and was told they would escalate the case and i would receive a call back. I never received anything until i would call back. This continued until XX/XX/XXXX when i spoke with XXXX XXXX. She informed me i didn't Qualify for the loan modification i was sent. Then she corrected herself to say Us Bank Accidentally Signed me up for a XXXX XXXX modification rate and they made a error. My payment should be {$860.00} and not {$900.00}. She informed me she would escalate this matter to her supervisor that would be required to call me back within 15 days. Once again no one called me back so i called back i believe on XXXX After 4 1/2 hours i was told it takes a while to get these to underwriters and corrected and i should call back on XXXX to see if it could be corrected. Same ol same ol. No one can figure out what it will take to correct this problem. on XXXX I spoke with a agent that had her manager XXXX return a call and he said That the loan has just been in limbo. He was sending it to I believe their CAD department.

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 2022-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently came back from an XXXX  travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my XXXX XXXX credit bureau however no changes have been made.

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 2022-06-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased an item through Paypal almost a year ago through a vendor XXXX. After receiving the product, I realized the item was not what was on the website or as described. I was also informed by a professional beautician that the hair purchased was snot " human hair '' as described on their website. This company after filing the Complaint reached out to me, I informed them of the issue and they were going back and forth. I reached out to Paypal via phone several times the issues were never solved and I never heard anything back from Paypal or the merchant it has been over a year now. I spent over 300 hundred dollars on this product, again it has been a year, I was scammed and all of PayPal. I disputed withing the time request within the 180 days and I never got a notification or follow-up, I feel like Paypal sent the merchant to talk me out of my refund, and neither of the parties has responded to this day. It has. back and forth and when I call Paypal I am told it is river 180 days, meanwhile this dispute was filled months ago. It has been XXXX. I can not even use this product. I use Paypal to protect me from things like this and still, I was scammed and Paypal refuses to help. It has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I been receiving threatening calls from this collector on an alleged debt that I have no knowledge of. My credit report doesnt reflect that I owe any debt. At XXXX XXXX, I received a call from an agent whom said I owed a debt. I asked what was the debt and he could not answer instead because I wouldnt give him my personal information to verify. He decided to call me a XXXX and a XXXX. I was in complete shock. Ive never witness such obscene language over a debt. He alas I impersonated a federal agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
So I had over XXXX XXXX dollars in unauthorized transactions I told netspend my documents and things got stolen out my car it had my pin and account and everything on there copies of my i.d . my w2s. I didnt know my things were stolen because I haven't drove that car for a while because didnt have insurance and registration been expired n it's not my family car. So netspend ended up cancelling my dispute because no error witch is XXXX because these transactions happend in Arizona and XXXX XXXX I live in XXXX Utah and was at work during these times it happened. XX/XX/XXXX Arizona $ XXXX {$34.00} ] XX/XX/XXXX XXXX {$200.00} {$2.00} {$200.00} {$2.00} {$200.00} {$2.00} {$0.00} {$0.00} {$0.00} {$2.00} {$100.00} $ XX/XX/XXXX XXXX Now XXXX XXXX XX/XX/XXXX {$520.00} {$310.00} {$2.00} {$300.00} {$2.00} {$300.00} {$2.00} {$300.00} {$42.00} ] XX/XX/XXXX {$300.00} {$2.00} ] XX/XX/XXXX {$81.00} Also there is a bunch of fees with most these transactions like XXXX mostly all the fees are In XXXX and it doesnt show when I login the app after I tried disputing them it only shows if I download my statement witch i be happy to do and send you guys. Netspend will not help me what so ever n all these where unauthorized transactions and they said no error. Its upsetting and XXXX especially when I have been a loyal customer and had lots of money go in this account n never had a problem but when my credentials and things got stolen I called n told them right away n they didnt care at all.

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 2023-09-08
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a letter from Nelnet dated XX/XX/2023 indicating that my Income-Driven Repayment Plan ( IDR ) application was approved. 

However, I am also showing my Nelnet account status as " Admin Forbearance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Waypoint Resource Group, LLC
State: MA
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:
A collection account appeared on my report from a third party affiliated with XXXX called RECEIVABLES PERFORMANCE which does not belong to me. I was never contacted and this is against the FCR act. I am prepared to take legal action.

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 2021-04-26
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Saturday, XX/XX/XXXX, Nation Star - Mr. Cooper debited my monthly mortgage payment three times totaling {$7700.00} from my XXXX XXXX  checking account causing my account to be overdrawn. I immediately logged onto the Mr. Cooper website and reviewed my payments and the only payment I saw for XXXX was the regular payment I made on XX/XX/XXXX. I did not see any of the three additional payments. 
I called XXXX XXXX  and after an hour of waiting to speak with a representative, I was told that they were receiving many calls with the same complaint. XXXX issued a stop payment but they said because it was the weekend the money would not be credited back until Monday or Tuesday ( XXXX XX/XX/XXXX ). Therefore, that left me with no access to my money in my checking account. 
Mr. Cooper never posted a statement or contacted customers directly to inform them of what had happened. I only found out because I set up to receive alerts from XXXX XXXX  when large amounts are debited from my account. I tried calling Mr. Cooper on Saturday, XX/XX/XXXX but couldn't reach a live person and there was no recording informing customers of the issue. 
It wasn't until XXXX XXXX. on Saturday, XX/XX/XXXX, Mr. Cooper sent out an email informing customers of a " payment processing issue ''. Stating a processing issue at one of their electronic payments vendor resulted in a number of customers having their bank account debited incorrectly. 
The money was credited back to my account but it caused a lot of stress especially during this pandemic when many are having income issues and trying to make ends meet. 
Mr. Cooper should have communicated much earlier with their customers and also XXXX XXXX  should have flagged the transactions suspicious and blocked them until they were able to contact me to verify if I authorized the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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:
In accordance with the Fair Credit Reporting act XXXX 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 a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a principal balance of {$160000.00} on my XX/XX/XXXX mortgage statement ( after applied principal ). On my following statement ( XX/XX/XXXX ) my balance of {$160000.00} was carried over but I was charged for 2 months ( XX/XX/XXXX, XX/XX/XXXX ) interest ( % 5.875 % ) and principal was applied as if I was making 2 payments in a row ( XXXX and XXXX ) within the month of XX/XX/XXXX. 

Subsequently the extra amount submitted to pay down my principle ( {$1100.00} ) was not credited in XXXX. Because I paid an extra {$1100.00} over my regular payment of {$1000.00} ( a total of {$2200.00} ) SPS policy is to treat a payment within a month as 2 payments if the amount payed is equal to 2 months of regular mortgage payments. This must be illegal as I am subject extra interest for a month that hasn't even occurred as a result of this practice Any other mortgage I have ever had has automatically applied extra payments within a month to principle. They promised to credit me the extra principle of {$1100.00} within a few days of my complaint of XX/XX/XXXX. 

Incidentally i had to call 3 times as the first 2 times I was hung up on after detailing my complaint. On the 3rd call I told them if they hung up one more time I would report them to CFPB. Even though they did apparently resolve my issue, I am submitting a complaint anyway as I am quite certain they are conducting illegal and unethical business practices over there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Ive received my most current lexis nexis report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS XXXX. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney XXXX XXXX Thanks

Company response to consumer: Closed with explanation