BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Equifax To Whom It XXXX Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 

XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX VIOLATION I DID NOT GIVE PERMISSION TO SEND OUT MY INFORMATION TO A THIRD PARTY MEDICAL Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: BMW Financial Services NA, LLC
State: MS
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:
NOTICE OF DISPUTE Account Number XXXX Upon discovery after viewing my consumer report I see that BMW FINANCIAL SERVICES is report-ing a late payment to XXXX, XXXX & XXXX XXXX This alleged late payment is inaccurate & a clear billing error. Pursuant to 15 USC 1666b ( a ). I did in fact not receive my periodic statement 21 days before my billing due date causing this late payment to be null & void.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is continually reporting inaccurate and misleading information on my credit report. I have filed several disputes and they were good at taking care of inaccurate information before. According to the FCRA there is still inaccuracies being reported and Transunion has stated that the information has been verified without providing any proof, documents, signatures, proof of contact directly from the bankruptcy court, etc. The courts have communicated several times they do no speak with or communicate with any credit reporting agencies therefore it can not be verified directly from the source. They are obtaining this information from a third party reporting agency and all of those reports are locked so there is no access to them. I have also several address that do not belong as well as my employer listed. This reporting is causing harm with trying to qualify for a mortgage so my children and I can find a home. This is beyond stressful going back and forth over two years trying to get the correct information reporting. They can not furnish proof ( verifiable ) then by law they have to remove this inaccurate information. At once. I will not rest until my credit reports reflect the real financial situation and not what they feel like reporting. Please assist me with contacting Transunion to have all of my disputes removed and not to return.

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 2020-06-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I WAS APPROVED FOR TOTAL AND PERMANENT XXXX DISCHARGE OF MY STUDENT LOANS OF {$63000.00}, ON XX/XX/2020 BY XXXX AND THE DEPARTMENT OF EDUCATION. ON XX/XX/2020 XXXX REQUESTED THE TOTAL AMOUNT OF MY LOANS FROM FED LOAN SERVICING, NUMBER XXXX SO THAT MY STUDENT LOANS CAN BE PAID IN FULL. AFTER SPEAKING WITH XXXX ON XX/XX/2020, THEY STATED THAT THEY ARE WAITING FOR THE LOANS TO BE TRANSFER BY FED LOANS SERVICING. WHEN I SPOKE WITH FED LOAN SERVICING, THEY STATED THAT THEY ARE WAITING ON DEPARTMENT OF EDUCATION TO SEND OVER INSTRUCTION FOR THE PROCESS. XXXX CAN BE REACHED AT XXXX. EVERY MONTH FED LOAN SERVICING IS REPORTING TO THE CREDIT BUREAU THAT I OWE {$63000.00} TO THE DEPARTMENT OF EDUCATION FOR FEDERAL STUDENT LOANS. FED LOANS SERVICING CAN REPORT THAT I OWE, BUT WILL NOT TRANSFER THE LOAN AMOUNTS TO XXXX SO THAT THEY CAN BE REMOVED FROM MY CREDIT REPORT AS OWING PAYMENTS. FED LOAN SERVICING NUMBER IS XXXX. IT HAS BEEN SO CHALLENGING THAT THIS COMPANY WILL NOT COMPLY WITH THE SYSTEM TO REMOVE MY LOANS AND XXXX HAS THEIR CHECK IN THEIR HANDS? I AM BEGINNING TO VIEW THIS WITH A DIFFERENT LENS. MAY BE ITS BECAUSE IM XXXX AMERICAN IS THE REASON THEY ARE NOT RESPONDING TO MY APPROVED APPLICATION FOR TPD DISCHARGE ON XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: SC
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 am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: NPAS, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We evidently had bill from XXXX XXXX XXXX XXXXXXXX. We never got it. The. Started getting calls from debt collector NPAS. My daughter is XXXX. The refuses to give me info. Told me to have daughter call to give authorization, which she did and they wouldn't give info to her bc she didn't have reference #. We haven't recieved mail or a bill so don't have one. Finally NPAS sent bill and we paid it using my credit card as we pay our bills. The bill was sent back and mail and paid on XX/XX/. I am still getting harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint wrote to CFPB XXXX that they had already addressed this issue in correspondence. However, Shellpoint does not state why it did not follow the rules and provide the permanent modification since I made the three payments.

Shellpoint never addressed why it sent me a statement with an amount of {$990.00}, which I paid and then Shellpoint claimed to have revoked my modification offer because I paid the statement that they sent to me.

Shellpoint has not explained how it can reject my modification for paying the correct amount when the trial modification, which was supposed to be based on a streamline was overcharing and I paid the correct amount based on the statement that Shellpoint sent me.

Shellpoint has stated they were not going to honor the trial modification, but Shellpoint has never addressed its failure to provide consistent statements and its failure to provide clarification when I asked for 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: DISCOVER BANK
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I applied for and was approved for a Discover Card. In the application I aske for a balance transfer of {$7000.00}. I was approved for the card and given a {$2000.00} credit limit. There was no mention of the transfer balance. 

On XX/XX/XXXX, I noticed a {$1900.00} payment on my XXXX XXXX credit card. This was the account that I had requested the {$7000.00} balance transfer. I never requested a partial balance transfer and that option was never mentioned. I called Discover and they confirmed that the partial balance transfer was made and there was nothing they could do because the payment had already posted. The suggested that I call XXXX XXXX and ask for a refund and then pay the balance on the Discover Card account. 

I never asked for a partial balance transfer and I have not activated the card! I am going to call XXXX XXXX and request the refund, however, I am not very hopeful that they will accommodate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses from my report as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are 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 2020-06-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX 
{$160.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$170.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX is verifying all information less than 24 hours no information is accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account number, # # # # # # XXXX account name XXXX XXXX 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 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-07
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car was totaled XX/XX/2021 and Im a single mother of XXXX and had to buy another vehicle so I had 2 car payments I reached out to the CEO and multiple persons at BMW financial and they would not work with me. I have now sent in additional letters asking to settle for 1000 Thats all I can afford.

Please help me No one at BMW is willing to help Me I have been paying 100 a month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I have had 2 frustrations on my credit report that seems to be the fault of the companies directly and not on my part, I have outlined below. I have tried contacting the 3 bureaus and the companies in question directly to no avail. 

XXXX XXXX XXXX XXXX OF XXXX : Missed payment XX/XX/XXXX. As instructed by the company the first payment was successfully made ( on record XX/XX/XXXX ), and hereby after auto-payment was setup ( Have email confirmation ) and supposed to commence XX/XX/XXXX. A failure in XXXX XXXX XXXX auto payment system followed by a failure by them to notify me resulted in a missed payment which was reported on my credit. As soon as I became aware of their system failure ( I was i XXXX for 2 months for business ), I made the payment manually and had to again setup the automated payment. Their customer service reps admitted to me on the phone they had issues with their automated system. I asked them to report to the credit bureaus that the error was their fault, something they failed to do. 3 years later all payments are made on time and I have made a final payment to pay off the car in full so this account will be closed in XX/XX/XXXX. I expect this error on their part to be removed from my credit report immediately as it was initially their fault not mine. 

Bank of America : XX/XX/XXXX BOA report a credit card balance ( not past due ) causing a 5-point decrease. This is later corrected, and a 5-point increase applied in XX/XX/XXXX. That aside BOA sent bad information ; a close analysis of my BOA profile shows accounts with $ XXXX plus in them, access to $ XXXX in credit card financing and XXXX balances going back multiple years. I spoke with BOA and they told me the error with the bureaus. Neither the bank or bureaus will sort this out and it has happened 3 times in XXXX. 

XX/XX/XXXX BOA make a comment on my account. I can not access the comment in my credit profile and requested what the comment is, but they failed to respond. The comment they made dropped my credit score 6 points. I want an explanation how with XXXX balances ( actually I have positive balances on my 2 credit cards ) and all payments made a company can make a comment that I can not access or see, and it affects my ability to borrow future financing. It simply has to be illegal!

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