BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I attempted to submit an Experian XXXX, entered bill accounts and other credit card information but the website did not respond as it should have. I read the terms and conditions so membership is not necessary so I am confused as to why my good payment history wasn't honored as advertised on Television. Their customer service support center was dismal and very unprofessional so I submit this complaint to ensure this company is held responsible for selling faulty products on TV.

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 2018-05-10
Company: Med-1 Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my credit report and noticed that this company has reported that I owe them a debt to my knowledge i have never entered into an agreement with this company nor have they provided me any goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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:
This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, AL XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXXXXXX XXXX Bankruptcy XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy XXXX Reference # : 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 2018-08-22
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX BMW leased XXXX VIN XXXX, a lemon, towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX BMW, stated on he would not take the car back due to its history when I sought leasing a new BMW & therefore, a termination fee of {$350.00} for not obtaining a new BMW with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX   paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX BMW is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. BMW Financial sold this debt incorrectly and unfairly to ACT and XXXX BMW unfairly created these inaccurate debts for a car that is a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Due to my understanding XXXX credit Equifax XXXX drop my score by XXXX incorrect information being reported unlawful including XXXX XXXX XXXXXXXX they supposed to delete that from my credit report Equifax XXXX XXXX refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was contacted by one of my creditors in XX/XX/2022 that there was an attempt to open a card account in my name. They informed to to get copies of my bureaus and Lock them down. I have done so. All my XXXX bureaus have a " freeze '' in place and now protected with a pin code. In reviewing the bureaus I noticed an account from Upgrade Inc. I immediately disputed this as fraud with the XXXX bureaus. The creditor reported back in XXXX that this was " valid ''. I then reached out to Upgrade via mail with all my information and requested they do an investigation that this was not my account. I asked what they needed from me to complete this. First it was the affidavit, and police report. That was sent via express mail. Then after they received that they asked for the FTC report to show a checking account at XXXX  XXXX XXXX ending in XXXX was listed and for me to send the bank statements. I contacted XXXX  XXXX XXXX immediately. They initiated an investigation and my local banker looked in my profile to see if that account ever appeared in my history of ownership. It does not. So, I can not provide to them bank statements. I did provide the letter from B of A showing this is not my account, never was. They then sent me a letter stating that the account with a XXXX limit had deposited XXXX into that above mentioned account. How is that possible? XXXX on a XXXX limit card? Makes NO sense. They gave me 5 days to provide the info on that. I feel like I am being victimized over again by these people. They have the Police report, FTC report, my drivers license, the letter from XXXX  XXXX XXXX. What more can they need? I asked for this account to be blocked temporarily until this is resolved. It has taken 30+ points off my XXXX score as a result of it reporting over the limit and open. They have not done that either. They continue to report to all 3 bureaus that this is my account. I am attaching all the documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal will not allow me to withdrawal or access {$6400.00} XXXX in my PayPal account. I did not violate ANY PayPal policies. They simply decided they did not like my business but that is not an acceptable reason to withhold a consumer 's funds. I believe they are subject to US laws regarding financial institution funds availability practices and withholding my funds is illegal, as well as unethical, and immoral. They are a multi-billion dollar company and there is no reason to be holding any member of the public 's lunch money for half a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Home Point Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company Home point Financial Corporation is undergoing changes and transferring to new systems or new servicing of our mortgage loan. This would be fine but there are problems. 

I updated my home owners insurance this year in XXXX at the expiration date, and it was considerably less than the year before. I did this to avoid a shortage in my escrow account, however, this did not help due to this company reviewing in XXXX instead of XXXX. I called repeatedly, and asked what the shortage in my account would be and if I could get a new analysis ran, and they offered to put in two tickets for me. Unfortunately, this all happened during the time of transition of our loan to their new systems. 

I called prior to transfer on XX/XX/27, and spoke with a supposedly escalation specialist, XXXX XXXX, about this. 
She put in both tickets, and took a payment of {$55.00}, she stated was the calculation of the escrow shortage with my lower insurance. I specifically asked her was this correct and would it be correctly, applied. To my account. 

However I call back today and find out none of this has been accomplished., I spoke with 2 people today, including a supervisor XXXX Id # XXXX, that stated he would send it all for review and get back with me? 

I have been trying to get this resolved since XXXX?? I need some help. 

I do not want my credit affected by this loan companys inability to help their customers or know what is going on from one system to the next. I do not want late fees, on my loan either. I was promised some type of answer on today, now they say two more days, while my grace period is going to run out, while waiting on them. 

Customers should not be affected nor given the run around while a loan / mortgage company goes through Internal changes or difficulty. I want to make sure the payments I make are going towards the right things and that my escrow account is revised correctly. 

Also this company does not even give any type of payment slip or options when the escrow review is sent or completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, we have a mortgage with Wells Fargo for XXXX XXXXears, we also had a XXXX XXXX bankruptcy which didn't include the mortgage, during this process Well Fargo received XXXX from HUD in addition to regular payments, we recently sold the house and WF is claiming we owe XXXX plus the XXXX from HUB, the original house price was XXXX and we have been paying over XXXX a month for XXXX years, approx. XXXX, we asked for an audit to see where all this payments have been applied and we get the run around, we know interest takes a lot of what we paid but it seems that owing more that was we paid originally is a bit much, we want out account to be audited and have no proper direction on how to do this, any assistance would be appreciated.

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 2021-12-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did some dispute on my XXXX prepaid card over the phone the guy was so unprofessional i was telling him each unauthorized charges and seems like he was ignoring me then he said ok thats it. And then he said ok u will receive an email of your dispute that was around XX/XX/XXXX until now nothing have I recieve in my email this is worst service ever even to get to someone it send u back and back or just hangs up aftet i try to talk to soemone this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled a debt with a company called XXXX XXXX XXXX XXXX on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX updated it correctly and quickly ( because it is a proper company ) ... XXXX did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did Equifax ( which I did contact ). 

I called Equifax and spoke to a representative XXXX in XXXX ( a supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first Equifax claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then Equifax stated that the letter head did not match the creditor 's name - I explained the creditor ( XXXX ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( XXXX ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from XXXX   on my report and any mistake on their end is not my problem.

Equifax 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BB&T CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: AR
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:
Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Numbers # XXXX and # XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please remove the following items off of 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the provisions of the Fair Credit Reporting Act section 605b, You are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and have the disputed items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i went into bank of america to open a checking and savings account. i was denied. i was told i already had an account six years ago and it was closed due to check fraud. i have never owned a bank account from bank of america. i was given a number to call. they then emailed me and requested information from me. i was refused information as to when the account was opened, what i.d was used to open the acct, how long it was open, and what transactions are linking me to the account. i was asked to make a police report, however i dont have any info to put on the report. i dont know where and when the account was opened. i have never been accused of having an account at this bank, it has never come up on any credit history or file. i have accounts in two banks both in good standing and wanted to open an account at bank of america because my XXXX children have student accounts there and it would make it easier to transfer funds between accounts. i feel that i am being discriminated against for being 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 2023-10-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Retaliation tactics used by former lenders/credit card company resulting in inaccurate and conflicting data on my Credit Report with all XXXX Bureaus. Significantly impacting my livelihood along with ability to obtain housing, transportation, and other life necessities. 

What is most concerning is that the financial institution appears a bit emotional, where legal and ethical practices should take priority, especially compliance with Federal Law. A sort of double-dipping and whipping is the best way to describe it. 

Whether upset about the charge-off account or not, writing it off as a loss on their financial books and with the Internal Revenue Service on a legal form for accounting purposes, titled and quote " Account Charged off, $ XXXX, XXXX written off '', then reporting to all credit bureau 's that the account is still open with original delinquency status to current month, is not only unethical but horrible business practice and disregard for the FCRA and my rights.

If the original creditor still owns the debt, where are my notices, attempts to negotiate or collect? A write-off/charge-off has meaning. The term is supposed to be used to identify the account status, thus indicating a closure, no further collection activities from the original creditor. Once you charge it off or write the balance owed off as a loss, cease reporting activity and accurately reflect the account status, I mean isn't this the process? 

Several financial institutions are playing the " ill get you back game '' these companies are : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Blasting the unpaid balance while taking insurance, or tax credits for the loss while still reporting after write-off/charge-off. Some even reporting monthly since XX/XX/XXXXin attempts to sabotage my credit standing for the next several years. 

Requesting assistance from CFPB with ensuring my credit information is reported correctly. As of today, the inaccuracy is causing confusion because the accounts should be coded in the closed status.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
STUDENT LOANS ARE NO LONGER WITH XXXX PER XXXX ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY 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