BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: BMW Financial Services NA, LLC
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time yet there was a 30-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report on XXXX ; this should have been investigated and corrected immediately. I tried contacting the XXXX, XXXX and XXXX requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: TN
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been an American Express Platinum cardholder in good standing for nearly two decades and spend ~ $ XXXX per year on my card. Last month, I added three family members to my card as additional cardholders. This was so these family members could receive AmEx Platinum perks, such as lounge access. This was intended to be a gift to them ( so they did not know I was adding them as additional cardholders ). After adding these family members, their credit scores dropped XXXX points! I called AmEx and spoke to multiple customer service reps who told me that should not have happened because when AmEx reports to the credit agencies AmEx notates additional cardholders aren't responsible for balances. So AmEx said I, as well as the additional cardholders, needed to speak with the credit bureaus. A credit bureau that I spoke with ( who AmEx transferred me directly to ) said AmEx is wrong and that my balances are definitely applied to additional cardholders. Of note, my family members never had to approve being added to my account. So basically a primary cardholder can unilaterally -- and perhaps purposefully -- drop someone else 's XXXX XXXX by XXXX points simply by adding said person as an additional cardholder. All that I needed to submit to AmEx was name and DOB of my family members. Not even SSN. ( AmEx said additional cardholder SSNs get automatically applied if the additional cardholder already has an account with AmEx, which of course many people do. ) AmEx has told me there is nothing that can be done about the situation. Furthermore, and not as important, AmEx had told me before I added the additional cardholders that additional cardholders could not see my own balance. This was not accurate. What they can not see are my individual transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today I received notice via XXXX - XXXX XXXX and XXXX that there is an alert or collection from Ad Astra - Speedy Cash of a collection Acct in the amount of XXXX dated XX/XX/2021 - Ive reported this to Ad Astra - Speedy Cash - via email - registered mail and my attorney XXXX XXXX - No one could verify my info - I filed an FTC affidavit online today as well w My IDs I received NO NOTICE - no call - no mail or email of any type - I reported this to the XXXX XXXX PD Id theft unit today as well - Theres no Acct number or any other verifying data Delete this fraud Acct immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2012 I entered The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX to open an account for my business XXXX XXXX XXXX and was denied for the Bank inability to verify my Social Security Number. The manager was dumbfounded. as to why the bank would not allow that to happen it was a block from higher level. It appeared to be fraudulent and baseless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Colony Brands, 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 information incorrect

Complaint:
On XXXX XXXX I spoke with country door collections supervisor department ..I was told I dont owe anything with them and actually have proof I paid the balance they keep reporting. This defamation they are violating FCRA by refusing to remove the amount that is not due to them and account they are reporting to the bureau it has been more than 7  years that I have had an account with country door they are over the limitations and are reporting incorrectly. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. They are not verifying this debt to be valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2021-06-07
Company: Experian Information Solutions Inc.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX SERVICES, XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$57000.00}

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 2023-06-30
Company: DISCOVER BANK
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed a contract with XXXX XXXX to have solar panels installed at our residence. On XX/XX/XXXX, I paid XXXX XXXX a {$5000.00} down payment with our Discover Card for the project. Work was supposed to start in XXXX of XXXX. In XXXX of XXXX we learned through news sources, primarily The XXXX XXXX XXXX, that XXXX had closed and ceased work on all projects. I repeatedly reached out to XXXX through email, phone calls, and a certified letter, but heard nothing. When it became clear that we were not going to have our project completed, or our down payment reimbursed by XXXX, I filed a complaint with the Wisconsin Department of Agriculture Trade and Consumer protection, and filed a police report. I then reported the fraudulent charge in XXXX to our credit card company Discover and filed a dispute. On XX/XX/XXXX Discover denied my claim, saying in part that they could not " validate the details of your claim '', despite the fact that I provided the contracts, receipts, all communications, and the actual charge on the credit card. After receiving this I contacted Discover by phone XXXX times to get an explanation. I was given various reasons including that XXXX wouldn't communicate with Discover, and that the charge happened a long time ago. I found an online community of people who also lost money and/or have had incomplete projects through XXXX. I was ( and still am ) very frustrated to learn that pretty much all of the people who put money down through their credit cards were able to get the money back, including other Discover customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
on XX/XX/2022, I was contacted by a person stating he was representing Bank of America fraud department. A call came through using the number XXXX the same number that is on the back of the Bank of America debt card. I was asked if I made a wire transfer in the amount of {$48000.00} to a XXXX XXXX XXXX. I was told I needed to transfer the money to another account. The scammer and taken over my computer and printer and printed out the instructions for me to follow transfer the money on XX/XX/XXXX approximately XXXX XXXX at a Bank of America office. On XX/XX/XXXX at XXXX XXXX. I went to the Bank of America in XXXX XXXX, Massachusetts and reported the scam to the XXXX manager. She contacted the Bank of America fraud division on the computer and telephone. I spent three hours with the XXXX manager. While she reported what happened

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 2023-09-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, My only existing name is : XXXX XXXX XXXX My only existing address is : XXXX XXXX XXXX XXXXXXXX. XXXX, MD XXXX Please remove all other names, name variants, phone numbers, addresses, shown on my credit profile and credit report as I have been a victim of identity fraud in the past.This address was used as attempted fraud back in XX/XX/2020. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have NEVER lived at this address and demand it be removed from my Experian credit report. I'm concerned they may make me susceptible to identity theft again, also I am entitled to 100 % accuracy under federal laws.

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 2022-01-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems. Agreed to Forebearance of 6 months and a settlement amount of XXXX. They are not reporting the forebearance as promised. remove from my credit report until XX/XX/2022 and during this time I will settle the account for XXXX as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$550.00}

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 2023-04-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
There was a credit card issued in my name and sent to my address that I did not apply for. It was a macys credit card.

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 2019-11-16
Company: Porania, LLC
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: Public record information inaccurate

Complaint:
I have a Bankruptcy on my credit report an it has been discharged for over 5 years. I am a XXXX veteran and a single mother of XXXX wonderful and intelligent children ( one in college ) with no financial assistance from anyone. I am asking that you please remove this from my credit report. I have attached a copy of my discharge information to this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: OH
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Affirm Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls per day attempting to collect payment on a loan less than 30 days overdue. Phone carrier flagged these as spam due to number of attempts. 

Multiple attempts on : Tuesday XX/XX/23 - XXXX and XXXX Wednesday XX/XX/23 - XXXX, XXXX, one attempt at XXXX Thursday XX/XX/23 - XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
inquiries were fraudulently placed on my credit reports from bank of america. my personal information was used fraudulently. the inquiry dates are : 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 non-monetary relief
Consumer complaint received 2019-11-01
Company: Happy Money, Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2019 I authorized an online payment from my checking account. I noticed it had not come out. I called them. forwarded them the confirmation email that I received. they then took 2 weeks to figure it out while calling me saying I was late. They finally took it out on XX/XX/XXXX and did not effective date it for XX/XX/19 when I originally made the payment and provided such proof for. 
For XX/XX/2019, I called and advised them I needed to make a payment from a different checking account due to a XXXX  XXXX issue and a protective order. they took the month from the account I specifically asked them not to touch ever again. I asked 4 times if he was sure it was coming from my XXXX XXXX XXXX XXXX account. he responded yes. I called back and had to wait for my ex to be refunded and then be able to make a payment from my account. This is a huge hassle because we are unable to speak to each other. I called last week and advised them he was threatening to have me arrested for something that is none of my fault. Via a mediator I was able to calm him down and reassure his money will be refunded. Payoff stated it was a back office  issue. 
Low and behold, they call me yesterday and set up a payment for today and I ask several times if it is coming from the XXXX to avoid another issue. Well, its pending today from my ex 's account. And the police are on their way here. 

This is ridiculous. This could ruin my XX/XX/XXXX year career as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why is this continuing to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: SLM CORPORATION
State: DC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We applied to Sallie Mae for a 1-year CD with an advertised rate of 2.35 % on Monday XX/XX/2019 and initiated the process to fund the CD with funds that were available in our main savings account. We provided our personal financial information, bank account information and accurately responded to security verification questions at that time. And then we heard nothing from Sallie Mae - not an email, phone call or acknowledgment of any kind. We weren't given the opportunity to set up an account, a confirmation number or a way to check on the status of the application. Four business days later - on the evening of XXXX XXXX - we received an email from " XXXX '' requesting additional documents that should have been requested at the time of application. We contacted Sallie Mae twice by phone with time-sucking attempts to understand the status of the application. A lengthy XXXX XXXX phone call earlier in the day had revealed the application hadn't been processed after sitting with Sallie Mae for four business days. We during that call were unable to learn when the application might be processed or get information on why the application was delayed. The Sallie Mae representative said she had no way to send confirmation or other details about the application to us electronically. We on XXXX XXXX canceled the application by email. In our opinion, Sallie Mae is falsely advertising returns that are higher than competitors, gaining access personal financial information in the process, and then suspiciously not following through. We on XXXX XXXX turned to an online competitor and opened an account and CD in 15 minutes, with funding confirmed the next business day. Why Sallie Mae didn't do that, with advertising to open an online account at an attractive rate, is a mystery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 you are reporting information that is a violation of FCRA 1681b ( a ) ( 2 ) Equifax, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Title 15 USC Section 602 states I have a right to privacy. Title 15 USC Section 604 states a credit reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with non-monetary relief