BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Two bill payments sent from my XXXX account to BMWF have not posted as of today, XX/XX/XXXX. The payment amounts of {$100.00} and {$68.00} were scheduled to post today, XX/XX/XXXX, according to XXXX. Previously, a bill payment in amount of {$50.00} did post on time, delivered on XX/XX/XXXX, did not post until XX/XX/XXXX. I've spoken with BMWF rep, was advised there is an issue with bill payments posting, it does not appear the issue was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. Transunion, XXXX, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with TransUnion, XXXX, and XXXX are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. TransUnion, XXXX, and XXXX dispute results are additionally attached.

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 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BofA closed my account on XX/XX/ I wasnt able to get my funds out of the account. I have claims that shouldve been paid due to fraud in my account. The claims are still in review, that has nothing to do with the funds in the account presently. This bank has caused me to be in default with my bills. I need my money immediately.

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 2023-03-15
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called chase and told them that my account has been stolen and my cards was lost, and as I tried to login the username and the password has changed, the email and phone number has changed as I told them they told me that my account has been closed and has no more account with them as its been restricted and they said that I will have no accesss to it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: SC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a modification, and it was ignored. 
I requested another modification and I was told I was missing a document but was not told what document was missing. 
I did a third modification which was finally closed on XXXX XXXXXXXX XXXX. The modification took almost six months. I made the payments on the modification as stated, but I was not being credited for the payments on my statements. 
Just 5 months after I closed my modification I was informed that there was an extra {$71000.00} they forgot to include in the modification and now I had to pay it right away. My payments were returned to me. However, no one at the call center saw the same numbers and only accepted payments of the old amount. 
I do not understand how they all of a sudden the mortgage company, who determined the amount owed, found an extra {$71000.00} for me to pay. 
Why was my payment not being credited to my monthly amounts, and instead being credited to old amounts so it did not look like I was making payments? How could I be reported to the credit bureau when I was making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: IL
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 am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TN
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 # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: CT
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:
Experian has received numerous letters from creditors XXXX XXXX and XXXX XXXX XXXX XXXX stating that the negative information on my credit report was false. In addition to this, I also have email correspondence from the creditors and Experian has still not removed the negative information. I am a XXXX XXXX XXXX XXXX veteran in a wheel chair that will not be able to buy a house as a result of this!!

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 2018-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfoilo Recovery XXXX XXXX Still reporting under XXXX XXXX XXXX But states Sold to you I have disputed this for over 9 months I have No contract with you and you are in violation of the FCRA, I never receive any type of letter from you stating this was ok to put on my report this is a fraud case in 2014. I have all documentation XXXX, CFPB, FTC, OCC, ATTY GEN CA all documents. XXXX XXXX XXXX as no proof at all that this was made or used by myself they make hearsay comments with no evidence I have requested over and over I have there copy of what they called a contract with nothing on it there is not One actual signature on any documents they have sent also all the above agenies have these documents showing this remove this account from XXXX  now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
I submitted a letter to the XXXX Credit Bureaus to update or discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-07-20
Company: CENTRAL BANCOMPANY, INC
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking and savings account on XX/XX/22 with I promo code for a {$400.00} bonus for having XXXX direct deposits and a {$500.00} savings balance on the XXXX day. I completed the requirements and now theyre saying my payroll direct deposits dont qualify for the bonus.

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 2022-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell credit bureaus 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/2019, I received a letter from Capital Accounts  stating that I owed a debt of {$460.00} to their client, XXXX XXXX XXXX. On XXXX XX/XX/2019, I sent, via certified mail, a notice of dispute and requested that Capital Accounts provide 1. The full name and mailing address of the original creditor for this alleged debt ; 2. Proof of my agreement to pay the original debt ; 3. A copy of the final account statement issued by the original creditor ; 4. A breakdown of the total amount due, showing principal, interest and other charges ; and 5. For all other charges, the date and basis of each charge ; 6. Documentation showing that you are licensed to collect debts in Virginia. 

Furthermore, I stated that because I was disputing this debt they should not report it to the credit reporting agencies. Should they have previously reported it, prior to my letter dated XXXX XX/XX/2019, I requested that they notify the credit reporting agencies that the debt is being disputed and/or delete the trade line from my credit report. 

On XXXX XX/XX/2019, I received a second letter from Capital Accounts reasserting that I owed the debt of {$460.00} along with notice that Capital Accounts has reported this delinquent debt to the credit agencies. 

On XXXX XX/XX/2019, i sent, via certified mail, a second notice of dispute and requested that Capital Accounts provide the information that I requested in my first letter as I do not believe that I owe this debt and reminded them that as of the XXXX of XXXX, I have not received a response to my original letter in the timeline outlined in the Fair Debt Collection Practices Act Section 1692g.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2019-04-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a fraudulent account with XXXX and SYNCB/TJX COS several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score.

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account 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 non-monetary relief
Consumer complaint received 2019-04-15
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
On Friday, XX/XX/XXXX I wanted to send {$5000.00} to someone in XXXX, XXXX. I use Western Union because the banks in XXXX don't have cash for withdrawals. I have been sending to the same recipient between {$2000.00} and {$5000.00} every month since 2016, since he runs a program supported by my nonprofit organization. 

This time, when I went to send the online money transfer, I got a screen asking me to provide my bank account number and login ID and password, allegedly using a service called XXXX. The URL on the page said I was on a Western Union site. I called both Western Union customer service and our relationship manager at XXXX, and neither of them could tell me anything about whether XXXX is secure. I did not feel safe providing my bank log-in to a site with no way for me to know if it is safe. 

I wrote to the Executive Services office at Western Union and I asked my XXXX representative to escalate my question to someone at XXXX who could tell me if they endorse this procedure, but no one responded.

Company response to consumer: Closed with explanation