BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: BMW Financial Services NA, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had a 3-year (30,000 miles) vehicle lease from MINI Financial Services, XXXX XXXX XXXX, XXXX, OH  XXXX for a XXXX XXXX XXXX under MINI Financial Services Account Number XXXX. All lease payments were paid on time and the vehicle was returned to MINI Financial Services via its local dealer at the end of the lease on XX/XX/2019 with only XXXX miles on the odometer (versus 30,000 miles allowed). I was billed for a “disposition” fee of $XXXX which I paid on XX/XX/2019 upon receipt of the bill (Exhibit 1). At this point I did not expect to receive any more bills from MINI Financial Services since I do not have possession of this vehicle as acknowledged by MINI Financial Services (Exhibit 2). However, MINI Financial Services sent a bill through US Post Officer from MINI Financial Services dated XX/XX/2019 for “Vehicle Property Tax-XXXX   County, VA” for $XXXX (Exhibit 3). Since I was out of town from XX/XX/XXXX through XX/XX/2019, I did not realize that I had received this bill, which I had not expected. Upon collecting my mail I called MINI Financial Services on XX/XX/2019 and spoke to XXXX XXXX who demanded that I send full payment for $XXXX to cover the Property Tax bill that MINI Financial Services had received from XXXX   County, VA. I told Mr. XXXX that I was disputing this payment because this is an annual property tax that I did not owe because I did not possess the vehicle after XX/XX/2019. When Mr. XXXX   insisted that I pay the whole amount, I asked him to send me the bill which he refused to do.  (I have still not received the bill as of XX/XX/2019.)Since I did not receive the bill, I called XXXX County Tax Department to inquire about the bill. They could not send me the bill because the ownership of the vehicle is with MINI Financial Services, however they pulled up the records pertaining to this property and told me that MINI Financial Services had paid the bill late and the county had revised the bill amount to $XXXX which is 50% of the original bill amount of $XXXX and refunded $XXXX to MINI Financial Services (Exhibit 4).MINI Financial Services is trying to make me reimburse them for twice the amount that they owe XXXX County for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-25
Company: EQUIFAX, 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:
I currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX  {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX  has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: ND
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 regard 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, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Company: EQUIFAX, INC.
State: WA
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 16th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Company: Experian Information Solutions Inc.
State: WA
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a email Alert notifying me my charge card was recently declined in the amount of {$360.00}. 

I called. Per XXXX XXXX charge was submitted 2nd time and was approved by XXXX XX/XX/XXXX, XXXX  Police Department send email saying Report was approved and I received XXXX Police Department Summary Incident Report # XXXX XX/XX/XXXX, I went online to Experian to request a Security Freeze be added to my credit file, tried to enter info required ; but the Experian website would not accept my info. 

XX/XX/XXXX, I prepared a detailed letter with info ( attachments ) that  Experian required and sent my envelope to Experian by USPS Certified Mail. Items sent were the following : 1. Letter ( detailed ) 2. XXXX Police Department Report # XXXX 3. State of California Driver 's License ( copy ) 4. XXXX Homeowners Policy ( copy ) XX/XX/XXXX, I received an email from Experian which said : We received the copy of the identity report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. Please provide : 1. all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency ( I provided to Experian what the XXXX Police Department emailed to me ) ... 

2. Also, I included ( in letter ) my full name including initial, my social security number, my complete addresses for the past two years ( I've lived in my home 20+ years ), date of birth, one copy of a government identification card, such as a driver 's license, state ID card, etc. ( driver 's license ), one copy of a utility bill, bank or insurance statement etc. ( XXXX Homeowners Policy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time framespecified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05
Company: Prosper Marketplace, Inc.
State: CA
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 cannot attach an application or other documents other than the image from XXXX   because I was not provided any access to the documents or interviewed at any time by a loan officer. Proper Loan company pulled a credit inquiry lowering my credit score XXXX  points and denied my application prior to the application being filled out with complete financial information I they did not allow me to provide. I am a member of XXXX. I received a notice from them that Prosper lending company had "pre-approved" me for approximately a 6% personal loan. I was going to pay off some credit cards with this. I filled out the application, however, I had some business details that I could not upload, and also some other financial information. For instance, we paid off a XXXX  loan a few days earlier, and they wouldn't have seen that payoff. I contacted them on XXXX XXXX by phone, as they had left a message. I contacted them twice speaking to employees, and they could not forward me to the persons who called me. I explained that I had not completed the application for the loan, and I need to provide the information they need to grant the loan. Yet, instead, I received a call that they denied me the loan without any offer to allow me to complete the loan application. I was never interviewed by any prosper employees regarding this loan application and ultimate denial. It is arbitrary to negligently send derogatory inaccurate credit information to reporting agencies. This company did a bait and switch advertising and is harming peoples credit score without allowing people to complete the financial report application. I have a credit score of XXXX, and this is reported without the acknowledgement of a XXXX debt that I recently paid, but not yet reported, which is typical and they should have asked me questions, and they did not even allow it. Also, I was denied in the application the ability to report an additional XXXX  income from business that I could not get the financials for due to the holidays.

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 2023-11-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was signed up for for a safe guard program with my Citi credit card without my consent that charged me high fees that went unnoticed for many years. With my high balance the fees were very high. I estimated I was charged at least {$15000.00} over many years. Sadly, it went unnoticed. I have read I am not alone and I read that Citi has settled paying {$700.00} XXXX to XXXX XXXX accounts. I would like help to get back some of the money the Citi stole from me. Can you help? Thank you.

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 2023-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
On XX/XX/, a repossession company came and repossessed my truck, did not realize that there was a 20 ft trailer connected until they tried to drive away. Backed the trailer up into the side of my portable storage shed and ripped the side open. In Michigan there is a breach of peace law pertaining to repossession that requires that a person by made whole for the damages. The loan company would only waive the repossession fees and not pay for the damages incurred by their contractor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XXXX XXXX  I submitted a complaint on my Mortgage Company regarding additional fees added to my mortgage principal balance.The fees totaled {$20000.00}. 
I submitted a complaint ( ID : XXXX ) and it was closed because the Company responded. 
Based on my fact findings from the documents submitted by my mortgage company substantiating the fees.I found out that the Sheriff 's deposit cost of {$9300.00} is not correct. ( see attached document ) .The attached document from the Sheriff 's Office Of XXXX XXXX obtained today XXXX XXXX  shows an amount of {$3100.00} not {$9300.00} as submitted by my mortgage company in response to complaint ID XXXX. 
Please have the company account for the difference of {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Advance America, Cash Advance Centers, 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:
They are giving my information out to these debt collectors which is illegal in order to get a compensation for me which I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This 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 XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2021-10-30
Company: Experian Information Solutions Inc.
State: NJ
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 wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX  days and I have not heard back about the things I'm disputing and I want those things removed NOW

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