BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
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 noticed a fraudulent charge on my credits reports in the amount of {$510.00}. Please be advised that I am not aware of this charge nor did I give any consent to anyone to charge or use my account. I am currently trying to refinance my place and this is affecting my scores. I would greatly appreciate it if this charge can be moved out of my report right away. 

Thank you for your attention towards this urgent matter

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 2020-09-14
Company: BMW Financial Services NA, LLC
State: NJ
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:
on XX/XX/XXXX, I started a Identity theft claim and all fraudulent activities were removed. aout 6 months later a creditor put the debt back on my credit profile. I called the creditor on XX/XX/XXXX and immediately disputed it. I spoke to XXXX XXXX XXXX XXXX at XXXX XXXX and was advised to send Identity theft report to her and I did on XX/XX/XXXX. They Acknowledge receiving it on XX/XX/XXXX and It is now XX/XX/XXXX and I haven't received a resolution. I told Ms. XXXX that XXXXMW Financial Services were involved in Fraudulent Activities and they should look with-in BMW. I contacted XXXX Credit Bureau Fraud Department and was advised to send them the Identity theft paperwork and I did. No one in BMW will contact me, XXXX Credit Bureau will not remove this fraudulent item from my credit report that is derogatory {$83000.00} charge off. BMW is billing someone else name under my social security number and I have sent all the information that is reequired. My latest call was to XXXX Customer service Fraud department. Spoke to XXXX and said there is nothing she can do. just keep disputing it. That doesn't help. Its currently negatively affecting my credit. As I have mentioned to XXXX Several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
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: Account information incorrect

Complaint:
I have a mortgage with XXXX XXXX. I was behind in payments and was put on a loan modification program. I was told that when on this modification program I must make all payments on time and further credit reporting and collection calls will stop from XXXX XXXX. I made all loan modification payments on time per our contract. XXXX XXXX has me listed on my credit report as being 180 days late for XX/XX/XXXX through XX/XX/XXXX. I have records showing payments made on time. This was disputed through Experian and XXXX XXXX initiated a review. XXXX XXXX came back and agreed all modification payments were made on time as stated in the modification agreement. They refused to remove the 180 day late payment data as they said this was for the original loan payment amount. I was paying them the amount they asked for every month. They are holding me to my original loan amount which I was not requested to pay. I was told they are doing this so I can not refinance as they are making money off my loan. My payments and interest rate went up after the modification and I was turned into the credit bureaus for not paying on time. Can you help me to get XXXX XXXX to remove the late payment data so I can refinance and get away from XXXX XXXX? 

XX/XX/XXXX Loan Modification begin XX/XX/XXXX Loan Modification end Dates reported late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I have bank records showing all these payments made on time ) At this point XXXX XXXX refused to remove this data from my credit report even though they agree I made the payments on time. XXXX XXXX did not report late payments for the other months from XX/XX/XXXX - XX/XX/XXXX only the dates listed. Why only these months? This is random and confusing and they will not give me an answer as to why.

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 2018-07-26
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. 

Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. 

This is a harassment tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof XXXX of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in  detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to this company in regards to an alleged debt that I owed them with a debt validation letter where I requested the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 
6 ) The purchase agreement ) 7 ) Swear under penalty of perjury you were present during the alleged debt ) They responded via email with XXXX document from the company XXXX XXXX XXXX which had my last bill amount on it. That document proves NOTHING and it is not validation. It is a deceptive form under 15 usc 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

This collection agency along with the credit bureaus are in violation. The credit bureaus are allowing invalidated, inaccurate information to be reported to my consumer report which is a violation of 15 U.S. Code 1681e ( b ). 

On top of that the " amount owed '' doesn't even match. 

Remove this account.

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 2021-01-20
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Equifax Mortgage XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This morning ( XX/XX/2019 ) at XXXX XXXX I was attempting to purchase concert tickets from a local phone number ( XXXX ) and was sent images of the tickets as claimed. We agreed and negotiated a price of $ XXXX/ticket for 2 tickets. After agreeing, I sent my {$150.00} to the other party at XXXX XXXX through XXXX/Chase as requested and then the other party never sent the ticket transfer. I tried calling and they blocked my number. 

I called Chase because I had never used XXXX before and the service was offered directly by my bank ( making me feel that this was more trustworthy than XXXX or XXXX ).  Spent 40 minutes on the phone with Chase customer service who tried to reclaim the funds. When she was unable to, she admitted that this was a scam and used the words " fraud '' so she transferred me to their claims department. The Chase claims department asked me for the story and then told me in XXXX 's fine print that I should only give money to friends and family and there's nothing that can be done. They then told me to call the person ( number blocked ) or email them to send the money back to me. When i said that's laughable, they told me to call the police because this is a scam. 

I think that since this is the first time I have used XXXX/Chase XXXX that there should be a protection for the transfer of funds. I obviously have learned my lesson ; however, I never would have thought that my bank would not protect my funds. This was just as dangerous as sending cash in the mail! It is a misleading service that Chase provides and should not be trusted. Fairness would to reimburse the {$150.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a account with BBVA Bank ( now PNC ) and was charged 2 times for a XXXX bill I never tried paying I didn't have the money in my account and was put in debt and charged over draft fee I talked to them about it but they wouldn't help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a car from BMW financial services. The lease is for XXXX miles. After XXXX miles the breaks broke. Now they want me to cover the expense. I am particularly frustrated with their strategy to refuse responsibility and move my complaint from department to department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have received a report of my credit and two letters closing two credit cards because it has a remark that says serious delinquency and that has lowered my credit greatly, I contacted the companies that have put this comment XXXX XXXX, XXXX XXXX and XXXX, this last one mentioned I still have my active card and they told me that it is not that I am a delinquent but because I have been late in the payment in 2015 they put that remark in the system, and it should be clear that I have no outstanding balance with any of the three companies mentioned ; I think it is very unfair that I be classified as a delinquent for having delayed a payment in the pass. 

The fact that I was late in my payment for some economic problem that I had at that time, does not make me a criminal and now they have that public information that is currently affecting my credit in a catastrophic way.

Please, I need your help, I'm not a criminal ; When I communicated with them, they advised me to get in contact with you. That is why I am asking for your help.

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 2019-05-14
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 am a victim of identity theft

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 2019-01-23
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I recently went to check my bank account for SunTrust and noticed XXXX dollars had been debited from XXXX. I assumed it was no big deal someone stole my information and used my card. I called the SunTrust Fraud Department to file a claim. Days later I received a notice saying the claim was denied. Id done business in the past with XXXX so I called them to see what was up. They debited my account for XXXX dollars due to old bills I assume would have gone to collections after I stopped using their XXXX service. XXXX was not authorized to make the debit from my account. When I complained to my bank about it and even showed them that XXXX even used an old card that I no longer had anymore SunTrust claimed due to it being a MasterCard all information is updated to merchants of past business. I told them it was fraud and they said well you have past business with XXXX  so its not fraud.

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 2020-02-05
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: Account status incorrect

Complaint:
I filed a Chapter XXXX bankruptcy. This bankruptcy was discharged on XX/XX/2019. For some reason, Transunion refuses to update my bankruptcy to the correct status of discharged It shows as filed. As long as it is filed, creditors see that I have an open bankruptcy. I have disputed this item twice with Transunion to no avail. For a period, my case correctly showed as discharged. However, the status of the case went back to showing filed. This was updated within days with XXXX  and XXXX   and I didn't have to do a single dispute with them.

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 2019-05-14
Company: Siggi LLC
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:
Omni Loans is reporting inaccurate information to all 3 credit bureaus. They have been unable to verify the debt and that it belongs to me. They even have sold the debt to another debt collection company. This debt does not belong to me and needs to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a XXXX XXXX card with Chase which gives you a {$300.00} travel credit every year. I spend over {$100.00} on a ticket to Florida and thought that chase would automatically credit it back on my account. Chase recently closed down my account for unknown reasons ( a compliant for another time ) and I called them to see what happened with my travel credit that I never received. They said they will refund me but when the representative tried to process it the system would not let as it was past 4 months claim time and my account is closed they cant give me the one time waiver. First of all they closed my account and second of all they should still be able to give the waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several 'robo calls ' from USCB in regards to a debt that they purchased from the XXXX XXXX Medical Foundation . 

When they call it does not connect to a live person but instead plays an automated message from someone identifying themselves as XXXX XXXX. The message is as follows. 

This message is for [ Last name ] [ First name ]. If we have reached a wrong number please call XXXX. If you are not [ Last name ] [ First name ], hang up now. If you are [ Last name ] [ First name ] continue to listen to this message, but not in the presence of others as it contains personal and private information this is XXXX XXXX from XXXX XXXX. This is made in attempt to collect a debt... 


I have received this call four times within the month. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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/2021 I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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