BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I financed 2 cars through BMW financial services on XX/XX/XXXX and XX/XX/XXXX. They were both taken from me ( repo ) on XX/XX/XXXX with a one day notice. They were taken because of where they were located and not for missed payments. They said that the contracts states that the cars must be garaged at the address on the contract or I am in breach of contract. A BMW financial employee that represents the company was personally looking at my social media accounts such a XXXX and XXXX. He actually wrote a letter stating that was not true and also that the cars were picked up because he thought they were being used as rental cars. I have disputed all of this because it is not true. They took both cars and did not allow me to make payments on my accounts ( locked out ). One car is showing {$0.00} balanced owed repo and the other is showing {$80000.00} balanced owed repo. As you can see I only had the cars for 2 months before they aggressively took them. I do believe the individual I mention in this email is the same person that ordered my cars to be repo. The credit reporting on these 2 cars are effecting my credit in a very negative way. I bought over 10 cars from BMW over the past 5 years and never had any issues before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ACS Education Services
State: NC
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:
Good afternoon, I just need my information such as payments made to be corrected in the system. I made plenty of payments to ACS servicing but only a few were documented when my loan was turned over to XXXX XXXX. My balance actually went up instead of decrease. I was under the impression, I was refinancing but that wasnt it. There no way you can go up when I have been paying on the account since 2005. I just need my account updated. Now there is no way to contact ACS directly because they dont do loan servicing. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-07-20
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I got scammed to give my zelle information to a person for XXXX and my bank can't dispute it. 

SCAMMERS INFO WHERE I SENT THE ZELLE XXXX XXXX XXXX PLEASE HELP ME GET MY COLLEGE  MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: CarMax, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of XXXX Carmax Auto Finance sent me a bill which is a violation of 15 USC 1692b. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. In this transaction there was a cash down payment which CONGRESS said pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer credit transaction and is ILLEGAL. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 ( 5 ) a finance charge should include premium or other charge for any guarantee or insurance protecting the credits against the obligors default or other credit loss. I have been paying separate insurance for this vehicle and that is a clear violation. Check my consumer credit sale contract and you will not see my insurance involved in my finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account has been paid off, In addition, I did not consent to my private health information ( PHI ) to be shared with creditors or credit reporting agencies, so how did you obtain this information? I requested your Health Insurance Portability and Accountability Act clearance, name of the registered agency company, and license information and you failed to comply. This is violation of the HIPAA Privacy Rule and this needs to be corrected. Otherwise, delete the account below immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: DC
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 am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and Equifax, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATIONXXXX that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, my mortgage with Cash Call was sold to XXXX XXXX. During that transaction, Cash Call erroneously debited by account for an extra mortgage payment ( {$910.00} ). I immediately contacted Cash Call, but the refund check was sent to my previous address. I have contacted Cash Call 5 times over the past 4 months. Each time, I am assured the check will arrive within 5 business days, but it never does. I have also been told 1 ) the check will be sent overnight, which it wasn't, and 2 ) they will apply the money to my next payment, which makes no sense as Cash Call no longer holds the mortgage. 

Impac Mortgage Corp., dba CashCall Mortgage XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Independent Savings Plan Co.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX My ex husband and I entered into an agreement with ISPC for the purchase of a water system for my home that I had just purchased. We signed the dotted line but there was no explanation that there would be a XXXX filing ( lien ) against my property, if I had known I would have never agreed to buy the system. My husband and I got divorced in XX/XX/XXXX and I was left with the payments, In XX/XX/XXXX, I filed for bankruptcy and I included ISPC in it. I did not find out about the XXXX filing until XX/XX/XXXX when I saw a physical copy that was sent to my lawyer 's office. In my statement of intent, I declared that I would be returning the financed equipments because I was no longer financially liable for it. At my hearing, the trustee asked me to call the finance company ( ISPC ) so they can approve the vendor ( XXXX XXXX XXXX XXXX ) to pick up the financed equipment. Well, XXXX which is an employee in ISPC legal department has been giving me the run around since XX/XX/XXXX. On XX/XX/XXXX, I called the company ( ISPC ) again, telling them to pick up the financed equipment because that was the reason why they filed a XXXX on my property, I was told that even though I am no longer financially responsible, my ex husband was. I provided them with my ex husband address and phone number, he relocated to a different state since XX/XX/XXXX, I do not have contact with the man. ISPC is guilty of unfair and deceptive tactics, no homeowner would agree to jeopardize their home over an overpriced water system that is faulty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Dealer Services incorrectly reported information to all the credit bureaus which has negatively affected my credit scores. THEY DID NOT PROCESS THE TOTAL GAP LOSS CLAIM, as identified in their letter to me dated XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: NV
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:
Employment incorrect, Not employed with XXXX XXXX XXXX Address incorrect XXXX XXXX XXXX, XXXX never lived here Address incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Experian I have written each bureau and no response or action taken to correct fraud. 
I have filed police reports.

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 2019-09-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made an online payment of $XXXX on XX/XX/XXXX and payment was withdrawn from my account on XX/XX/XXXX. As of today, XX/XX/XXXX, that payment amount has not been added back to my available credit. They acknowledge that the payment posted to my account on XX/XX/XXXX, but is on hold. When I spoke to the credit card bank, I was told because it was a large payment there is a hold on the amount being credited back of 7 - 10 business days. That is what I believe a deceptive practice. The bank is Synchrony Bank.

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 2021-05-21
Company: EQUIFAX, INC.
State: LA
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:
I XXXX XXXX XXXX a Federally Protected Consumer rights have been violated. Equifax Consumer Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ). Accuracy & fairness of credit reporting.I did not benefit nor consent to these notated accounts being furnished.I value my consumer report and only a natural living person can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-08-03
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a previous complaint on this but Citibank failed to respond to the issue and addresses something else in error. I need them to respond to the charge that was fraudulently made by the merchant on XX/XX/XXXX, not the other issue in XXXX of XXXX. 

I have read through the response from the Citi Executive Response Team. Their statement of fact is incorrect. Their records, as stated, are also incorrect. Their letter, regarding a dispute from XX/XX/XXXX, is not the dispute to which I am referring. Their statement that the credit was issued on XX/XX/XXXX for this XXXX dispute is correct. Again, this is a different transaction than the one I disputed on XX/XX/XXXX. The issue here is that on XX/XX/XXXX the merchant ( XXXX XXXX  XXXX WA ) fraudulently charged my card AGAIN for the amount of {$220.00}. This was a second, unauthorized transaction. My assumption was that when the original dispute was found in my favor the merchant still had my credit card information and ran a second ( again, unauthorized fraudulent charge ) on my account. After that XXXX XXXX cancelled my card at my request and issued a new one with a new account number. So again, the Citi Executive Response Team was incorrect in that this dispute ( XXXX XXXX, XXXX ) was regarding the charge on XX/XX/XXXX. The correct charge that the XXXX XXXX dispute was for was the fraudulent second charge by XXXX on XX/XX/XXXX. 

I have attached a copy of Citibank 's erroneous response from my previous complaint for the record. I have also attached a copy of the statement with the charge highlighted. Again, this is NOT the XXXX issue, this issue is seperate.

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 2019-09-10
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date.  I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX.  She said the $XXXX   would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX.  She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days.  I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report.  Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX.  The account was reconciled every quarter and I was notified of my portion still owing.  I paid the bill and even included a screenshot of my bank account substantiating the payment had been made.  I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Blackhawk Network Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am having an issue with another prepaid visa gift card rebate. I am getting fraud alerts and am not allowed to spend my own money. This likely correlated to the velocity limit XXXX has put on their cards to combat manufacturing spending I have had this issue before CFPB complaint XXXX which I was able to be paid out via check after contacting XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-02-07
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being told i lived at a place called XXXX XXXX by a collection agency called ideal collections, i have lived at the same ady since 2003, i have provided police reports ID utility bill history etc the company wants all my tax returns mulitiple ID 's and my SS card and the credit beurus keep  removing this collection then the company threatins me and puts it back on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-07-24
Company: EQUIFAX, INC.
State: MI
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 numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX

Company response to consumer: Closed with non-monetary relief