BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: BMW Financial Services NA, LLC
State: MI
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:
BMW Financial instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XXXX I called BMW and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XXXX and then XXXX on XXXX. My actual payment is XXXX after 6 % tax on the lease. 

InXX/XX/XXXXa customer service rep said she couldn't take my payment over the phone and to pay on the BMW financial website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XXXX payment date. I called in to change my payment to the XXXX of the month back in XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XXXX after I got calls from BMW saying I was late, then I paid XXXX, XXXX and called BMW financial to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. BMW allows you to change your payment due date during the lease. I called BMW financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with BMW financial and they are not my fault, they are BMW financials error. My lease is done soon and this error will prevent me from leasing thru BMW and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru BMW but this is really unfair and wrong. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: LA
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:
These inquiries are unauthorized and they are not related to any transactions by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for a loan modifocation in XXXX. I finally received the permanent loan modification papers in XXXX to let me know to pay the permanent mortgage in XX/XX/2021. I went to pay by cumputer and it would not allow me to pay via my computer so I went to pay at local branch and they said that their system wouldn't allow it to be paidat a branch. please help ... .I 'm scared Bank of America is trying to take me house.

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 2022-04-25
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:
Page 1 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 Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXXXXXX XXXX  XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all 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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
TransUnion Credit Report XXXX your credit report for signs of theft, fraud, or error. 
XXXX XXXX  30 Days Late Real Estate {$17000.00} Status XXXX XXXX, XXXX XXXX Days Late {$200.00} This company has been committing fraud against me. It began with a disagreement about charging {$15.00} when my bank was bought out by another and the auto payment did not go through. 

There are several twists and turns in the story, but one account manager said they were holding a check I sent ... which was to quickly bring the account to date... it did not contain the {$15.00}. They did not cash it ... all the while struggling to get the autopay restored ( spent an hour with someone and unsuccessful ) .... so much nonsense... real malice on the part of an individual who deserves to be fired and sued for what he/she did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: DISCOVER BANK
State: FL
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:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good afternoon, I feel very terrible. I simply just wanted to start a credit report account with Transunion. This happened yesterday. I did not sign up for any premiums or anything like that, so why am I getting charged {$24.00} just to check a score? Come to find out I did not even have a credit score at all. I called customer service. It was bad enough that I could not understand their accent. It was much worse that they kept insisting that I signed for the one that I am required to pay. I cancelled it since I did not get any benefits, but I do have a receipt. I thought I had to put in my credit information in to confirm my subscription. How did I go from getting a free trial to paying money? 

Thanks,

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 monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted a request XXXX XXXXXXXX XXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request 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 2023-05-05
Company: FC HoldCo LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX BALANCE : {$96.00}

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 2023-03-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
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: Information belongs to someone else

Complaint:
This account with XXXX XXXX {$2200.00} has absolutely NO MERIT and should not be on my credit report due to the nature that its fraudulent. identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 605 ( b ) ( 2 ) these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. This creditor in question has neglected my letters and not responded to my calls / emails. XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, this account is charged off and is not mine, again THIS IS NOT MINE and I have let the FTC & CFPB know this. FCRA 603 ( q ) ( 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. " This is fraudulent and illegal to keep reporting, please cease and desist all reporting activities.

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 2023-10-07
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company, DBA Worldwide Financial Services, subsidiary of World Finance and entity of World Acceptance Corporation located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX calls 3 - 4 times daily with aggressively toned verbal demands that I contact their customer and instruct that customer to call them immediately. Apparently, their customer included my name and number as a secondary contact on his personal loan application without my knowledge or consent. I did not authorized their customer to list my name and number on his application and I explained to the company that he is less than an acquaintance to me and that my name and number should be removed and they should immediately cease contacting me. I have called World Finance by phone three times dating the same information and making a request to ceased contacting me and sent three emails to which replies or received standing later resolve the problem over 2 months ago. I have never been a customer, in any capacity, of of this company or it's affiliated entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My financial institution is Chase Private Client. I deposited a XXXX XX/XX/XXXX, Chase can not locate this deposit violating various bank tax regulations. 
I initiated re-occuring monthly payments to be made from my Chase CPC account to XXXX XXXX XXXX  on the 3rd after my XXXX check was direct deposited and Chase routinely failed to honor these payments and by doing so my account with XXXX  XXXX was left in arrears. These payments were left in a " pending '' status the funds were withdrawn from my account but not paid to the merchant, leaving the merchant unpaid and which led to a snow ball effect in hicked up interest rates. My payments were being applied to interest and not the principle leaving me upside down on the loan and a negative mark on my credit report and me at risk of loosing my vehicle. 
This is happening today as well. On XX/XX/XXXX I purchased a computer online with XXXX. The payment of {$590.00} to XXXX has remained in a " pending '' status ever since. XXXX didn't ship my computer because they claim that Chase declined the transaction and Chase claims that XXXX hasn't processed the order regardless Chase will not release the funds back into my account and XXXX will not ship my computer. Chase is violating regulation E under your rule and needs to investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is XXXX XXXX, I was in a tental fraud as followings : Landlord XXXX XXXX, Drivers lisence:XXXX, from Colorado ask a total of XXXX for one month rent plus deposit. 
Landlord address : XXXX XXXX XXXX XXXX, XXXX, CO, XXXX Here are three rental fraud transfer from Bank of America, XXXX transfer : {$500.00} to Email : XXXX Name : XXXX XXXX On XXXX {$700.00} to Email : XXXX Name : XXXX XXXX , XXXX {$1000.00} to Email : XXXX Name : XXXX XXXX , XXXX I think the XXXX XXXX account in BOA is already cancelled. But the bank might have a rack of account holder 's SSN. 
I'm contacting the Bank of America to stop the payment and refund mony to my account.

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 monetary relief
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was XXXX or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX  liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the years I would get multiple overdraft fees when it should not of happened with Bank of America

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 2021-07-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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