BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-04-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XX/XX/22 i received notification from XXXX of a collection account appearing on my credit report. The collection was credit collection service for a liberty mutual account i never had. 

This account was opened fraudulently due to identity theft. I have attached a copy of a FTC identity theft report along with local police report number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: COMMERCE BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CO-SIGNED ON SAID ACCOUNT WITH XXXX XXXX AND SHE FILE CHAPTER XXXX  BANKRUPY AND DEBT TO BE DISCHARGED. MY LAWYER STATED THE XXXX SHOULD XXXX TO XXXX AND TAKE MY NAME OFF BILLING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$930.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4500.00} 12/13/2021 15 U.S.C, 1681section 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 an 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 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 2023-02-21
Company: Experian Information Solutions Inc.
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:
I recently reviewed some fraudulent information on my credit report while trying to buy a house for my family. please remove fraud accounts as soon as possible.

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 2020-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made additional payments, additional to the monthly payments, to Bank of America and apparently if you do not have a checking account with them, then the additional payments do not get applied to principal only. They said add'l principal only payments are not available on the website, it would come across as a regular payment with a portion of it being allocated to interest. Nothing on the website indicates this and still doesn't. They said this option is only available if you call in to make the payment. Therefore I requested for all my add'l payments to be readjusted and applied to principal. I contacted BofA to request my payment history ( with a breakdown of each payment and how it is allocated - principal v. interest ) on separate occasions and was told that they could only mail or fax. I do not understand why there is a secure messaging system if they do not utilize it. three requests for fax and it has not been rec 'd 2 requests via mail and it's still not rec 'd. It baffles me that as a consumer, I am unable to access this payment history on their website. I was told to look on previous statements for this information. However, any recent adjustments would take a month before I could review and validate that past payments were properly reallocated.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Serveral times I have filed a complaints about Transunion reporting fraudulent inquiries on my report. I have filed disputes with them to get them removed, also filed complaints with XXXX see complaint # XXXX and complaint # XXXX, in the response to those complaints they responded that would delete them and send me a new report. They never deloted them or send me a new report showing that they have been deleted.

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 2020-09-29
Company: Figliola & Romano, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Figliola & Romano sent me a letter dated XX/XX/XXXX that I owe a {$1100.00} debt for XXXX XXXX. They said they are collecting the debt. I sent them a letter XX/XX/XXXX ' asking them to verify the debt per MA regulations. XX/XX/XXXX ' they sent me a letter saying they will send me validation of the referenced debt. Letter dated XX/XX/XXXX ' they sent me accompanied credit card statements of the alleged debt. I responded XX/XX/XXXX via letter that the credit card statements failed to validate the debt Pursuant to 940 CMR 7.08 ( 2 ), they did not oblige by sending documents ( a ) to ( d ) which in part entails documents must bear my signature - Documents provided to me did not bear my signature. Also they did not send the mail as first class as required by the regulations but by standard mail. I asked them to validate the debt as documents provided not sufficient. Instead of trying to resolve this matter w/ me,  they sent me a letter XX/XX/XXXX saying what they sent me validates the debt, thus they reject my request to further validate the debt as I still dispute it. And that they will no longer respond to any request to substantiate the validity of the death - this is unfair & deceptive collection practices per MA 940 CMR 35:00 ; especially during a current state of emergency due to the Pandemic. I even told them they in error mis reported me on my credit part but they refuse to listen to me.

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 2021-03-25
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Hello, I have been trying to register my previous Eppicard account on the new goprogram.com website as instructed by XXXX and keep getting the following error : Account information is invalid. Unable to locate a customer record that matches the information entered. 

I have tried numerous times making sure all information is correctly entered. I have tried calling the Way2GO customer service number provided by XX/XX/XXXXXXXX and XXXX and I am not able to get someone to assist me. I have been calling since Monday XX/XX/2021. There is no option to select to speak with anyone. If you just dont make any menu selections there is just a message that says sorry you are having trouble, goodbye and just hangs up on you. 

This is getting very frustrating, hopefully someone here can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/XXXX To whom it may concern, Under FCRA Section 609, I am exercising my right to dispute the accounts listed below. I am also formally requesting that you prove these accounts belong to me by providing copies of the original signed contracts. Please make sure you send me contracts stating that I agreed to enter into financial agreements with the companies listed below. Otherwise, your bureau, the furnishers, nor I can prove these accounts belong to me. Please note I need full copies and all other information you have on file during this investigation. A simple template letter will not be sufficient. I am preparing a legal case and need full certified copies of everything you have on file for the accounts below. 

Bureau/Furnisher must provide, at a minimum, all of the following to prove their case : A. Copies of original signed contracts bearing my signature for each account listed below. 
B. All other information or evidence you have on file for the accounts listed below. 
C. Names, employee numbers, mailing addresses, and phone numbers for each person involved in this investigation. 

If you can not provide the above information, I request you immediately delete the accounts listed below from my consumer credit report and cease all collection activity. 

Please note, I am trying to resolve this matter as soon as possible. I am willing to stop any further requests if you can comply with my request. Also, note I have included identifying information as requested under the FCRA. Please do not send me an automated template letter requesting further verification. 

Account Information : Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX ( XXXX ) Account # : XXXX ( TransUnion ) Account # : XXXX ( XXXX ) Account # : XXXX XXXX ( TransUnion ) Account # : XXXX XXXX ( XXXX ) Account # : XXXX XXXX ( XXXX ) Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Problems with Credit Acceptance raising interest rates, being uncooperative in trying to lower payments or refinance. Rude disrespectful customer service, predatory lending behavior

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 2017-03-02
Company: Credit Protection Association, L.P.
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After securing a loan for new vehicle we were presented with credit scores for myself and my husband from XXXX. Mine is XXXX and my husband 's XXXX. Granted I understand credit scores of spouses do not always match as male head of household tends to be the first name listed on debts, such as mortgages etc. However a discrepancy of XXXX pts did not seem normal, especially since I handle all our finances, thus I pulled his credit report for XXXX , XXXX and XXXX . Upon reviewing his credit report with XXXX I discovered a collection account for XXXX usd with CPA from XXXX and the names of XXXX and XXXX along with the phone number of XXXX attached to my husbands report. All of this information does not belong to us and has been disputed with XXXX under file # XXXX. 

I spoke with XXXX on XX/XX/XXXX and they confirmed the name of XXXX was linked to my husband 's credit report due to the collection from CPA # XXXX After speaking with CPA on XX/XX/XXXX ( XXXX XXXX XXXX ) they also confirmed collection in name of XXXX however, since they have my huband 's SS # in their system of XXXX it is up to me to prove my husband, XXXX, is not XXXX or XXXX and stated they receive information from their clients via XXXX, thus they are not responsible for my husband 's SS # being attached to name of XXXX. 

I proceeded with contacting the original creditor of XXXX at XXXX and they do not have my husbands name nor his SS # in their system, as well as our home address in XXXX. Any accounts under XXXX in their system all start with a SS # of XXXX. And the phone number of XXXX reflects an account for a completely different name. 

In addition this same situation occurred in XX/XX/2008 and I believe is to be with the same name of XXXX. Since at that time we applied for line of credit with local bank, XXXX, they handled the communication with they credit reporting agencies and I believed they told us XXXX has a similar SS # and DOB as my husband 's. I do not have a copy of the letters sent in XX/XX/2008 but do have copy of investigation results from XXXX confirming both collection accounts being deleted with XXXX account held by CPA. 

I do not believe this to be a case of stolen identity, but rather a case of data error and all fingers based on my preliminary investigation point to CPA as being the culprit of the data error.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a follow up from complaint number ( XXXX ) on the charge of my Bank of America for {$5400.00}. My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, sent to ship infirmary for medical treatment and then we disembarked the ship to a hospital where he underwent XXXX XXXX for a brain bleed. On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost XXXX times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to XXXX can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest. 
Since this claim was made, I received contact from XXXX from Bank of America on XX/XX/23 ( XXXX ) stating XXXX a representative would be calling me to resolve this disupute. She contacted me ( XXXX ) and explained the situation. She stated for me to provide her a copy of bill paid from XXXX XXXX XXXX and in addition to the rejection of dispute letters from Bank of America. I was informed to send this information by email to XXXX. I attempted to send the information but it was rejected coming back as undeliverable. I contacted Bank of America directly through both there chat line and on the phone but they provided the exact same email address. When I said that it could not be sent they hade no other suggestion. I sent the information through fax on XX/XX/23 and it was accepted. Upon receiving this information I was infomred by XXXX that the charges would be removed until this can be settled. I have been unable to reach XXXX despite making frequent calls to call me back. Since than I am at a roadblock.

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 2022-08-29
Company: BMW Financial Services NA, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I recently attempted to purchase my leased vehicle at lease end for my contracted residual value. The leasing company, BMW Financial Services was unable to conduct the lease end transaction, and instead referred me to my local dealership XXXXXXXX XXXX  in XXXXXXXX, CO ( who I originally purchased the car from ). Upon approaching the dealer, I was informed that the residual value in my lease agreement could not be honored and they would need to charge me an additional {$600.00} in dealer-imposed handling fees. 

These fees are not disclosed in my lease agreement. My lease agreement specifies that my vehicle may be purchased at my residual value plus any government imposed fees such as taxes. 

The additional undisclosed fees being added to my lease-end buyout are in violation of the Consumer Leasing Act. 

On Monday XX/XX/XXXX, I was informed by two BMW Financial Services phone reps ( XXXX and XXXXXXXX XXXX ) that XXXX  is under no obligation to honor my lease contract. 

I have included a copy of my lease agreement, as well as the dealer quote sheet showing the additional fees they intend to charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2020-09-29
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nordstrom debt has been paid and company has provided a written letter saying that credit agencies would be notified. That action has not been taken and the company has not responded.

Company response to consumer: Closed with explanation