BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. 

These accounts should not be furnished on my reports they are in VIOLATION

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 2023-03-09
Company: EQUIFAX, INC.
State: NC
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:
TO WHOM THIS CONCERNS I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

These accounts and inquiries are not done by me. 
IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BMW Financial Services NA, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My husband and I purchased a XXXX XXXX XXXX from XXXX of XXXX on XX/XX/XXXX. I contacted the Dealership to cancel the Tire and Wheel Warranty, completed and submitted the paperwork to the dealership on XX/XX/XXXX. Per XXXX XXXX the Finance Manager the paperwork was complete and was submitted to the vendor to process the cancellation. When I called the dealership to follow up, I kept getting the run around or no response to my messages. Once I was able to contact the vendor, I was told that cancellation of the warranty had been processed and funds were sent back to the dealership on XX/XX/XXXX. For the next few months, I made numerous calls and emails and at least 3 trips to the Dealership to try and get answers. I was told that the cancellation was processed but that it just hadn't appeared on my account yet. I reached out to XXXX XXXX, the sales person for assistance with trying to reach XXXX XXXX XXXX, the Finance Manager. All I got from XXXX was a bunch of excuses about the problems they were having with their change in ownership which now had become our problem. On XX/XX/XXXX, I received an email from XXXX XXXX see attached ) confirming the cancellation and that it should appear on my next statement. On my 3rd trip to the dealership in XX/XX/XXXX, I asked to speak to the Sales Manager. XXXX XXXX XXXX XXXX XXXX, the Sales Manager again offered a bunch of excuses and promised to follow up. I was told that they had received the funds from the vendor but didn't know where the money was. My last communication from XXXX was an email on XXXX XXXX again trying to demonstrate to me that the problem was with the accounting dept from the previous owner. And they were trying to figure out how to get the money back from the previous owner before they credited our account. Again not sure why their accounting issue was our problem. If was obvious that the statement from XXXX that the credit was going to appear on my next statement was a lie because they were trying to get the money from the previous owner. 
It has been almost 6 months and this issue has not been resolved. I have checked my XXXX acount numerous times and it still has not been credited for the cost I paid for the warranty or for the interest I have continued to pay on this warranty even though the warranty was cancelled on XX/XX/XXXX. I am beyond frustrated. I want the {$1800.00} for the warranty that I never used to be credited to my account along with the interest I have paid since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my account selecting pay off account in full. After I pay the account they then charge more interest requesting I owe them more money. I called them and they declined to waive the fee. 

When you select pay balance and pay off the account the account should be paid off waiving interest before the next bill cycle. I would like an investigation and file a formal complaint please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For MULTIPLE years I have experienced the following problem with Transunion XXXX. 

1. Multiple websites with broken links, unclickable buttons, and a faulty payment processing system that refuses to accept my card and then forces me to call in.

2. On call in, agents play XXXX, refuse to comply with assistance, transfer you back into same que while telling you they are transferring you to the right department, and out right hang up on you. Indeed, this all happened again just today, when I was hung up on multiple times, including by XXXX, an account supervisor in the phillipines callcenter. 

As a result I can not get my credit score, and it takes multiple hours to even come close. 

I saw that there is already a privacy class action lawsuit in the USA against Transunion, and I am strongly considering putting out a press release about this, and launching a class action lawsuit of my own. I personally know multiple people with the same problem with Transunion. 

To begin this complaint, I have formally requested what is my right : a copy of all recordings from my phone number XXXX over the last 12 months, so I can demonstrate my case. I was then hung up on again. 

Therefore, I am asking the CFPB to help me attain these recordings from Transunion XXXX, so I can have evidence for my complaint. I can not access my score at this time despite multiple documented attempts. 

Please advise.

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 2022-02-26
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have over. XXXX dollars in late fee while in forbearance. They need to credit me all this money. Attached letter how they made makes with my loan. My second complain their response was this not there problem!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: SUNCOAST CREDIT UNION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XX/XX/XXXX I miss me Suncoast CU Credit Card on my XXXX Credit Report. 
I disputed over the Internet with XXXX, without a result. 
I called since XX/XX/XXXX with XXXX and Suncoast CU back and forth. 
XXXX told me is Suncoast 's fault, Suncoast told me is XXXX 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an AUD # XXXX from Suncoast CU and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX XXXX because they send me a Report XXXX. XXXX I should call XXXX. They told me they don't get updated from Suncoast CU. 
Suncoast CU told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my Suncoast CU Credit Card on their XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a 100 % XXXX vet. I went to my private primary care doctor ( INTEGRIS XXXX ) for a preventative lab test at XXXX XXXX of Oklahoma, using my private XXXX XXXX  insurance. The wrong billing code was used and resulted in me owing the full {$430.00} debt of the service. It has now been reported to a debt collection agency ( XX/XX/2021 ) that is ruining my credit and making it difficult to utilize my VA loan. 

As a XXXX vet with XXXX XXXX plus private health insurance, this service should have been covered and never reached my credit report. I have called and asked the debt collector ( Radius Global ) for a pay for deletion but they refused. 

I have contacted my private healthcare office, the lab, AND the collector and nobody can assist me. I feel wrongly treated and that this should not be legal. Nobody has been able to help me as the collector continues to report and ruin my credit. 

I can also attach proof of XXXX veteran status and private insurance.

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 2020-04-28
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Submitted a prior CFPB complaint that was closed on XX/XX/XXXX. 

The companys response did not address or provide clarity on any of the specific details regarding repayment options I provided in my original complaint. Please review. 

The Federal Housing Finance Agency, which regulates XXXX XXXX and XXXX XXXX, says that borrowers in forbearance whose loans are backed by the two mortgage giants " are not required to repay the missed payments in one lump sum. '' The CARES Act mortgage forbearance rules govern the servicing of my loan in this situation. 

Strangely worded survey was sent out to mislead on XX/XX/XXXX. 
Cant get access to website to review account. 

Photos attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Credit Systems International, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have received an e-mail from XXXX on behalf of Credit Systems International stating that I owe a balance of {$850.00} as of today, XX/XX/XXXX. It stated that the Original creditor is XXXX XXXX XXXX XXXX After seeing this collection, I further investigated and realized this was a collection that I have already dealt with from XX/XX/XXXX. Before filing a complaint with CFPB on XX/XX/XXXX about my identity theft matter, I called Credit Systems International on XX/XX/XXXX and spoke to their representative, XXXX, to resolve this matter of identity theft and dispute this fraudulent account opened under my identity. After this, I contacted CFPB about this collection and informed them that I was a victim of identity theft. The Complaint ID # XXXX was submitted on XX/XX/XXXX with CFPB, which resulted in Credit Systems International removing this account and collection from my name and the credit agencies removing this collection from my credit reports. The collection I am be charged for in the amount of {$850.00} as of XX/XX/XXXX from Credit Systems International is the same identical amount I was being charged for on XX/XX/XXXX in the amount of {$850.00}. On XX/XX/XXXX, Credit Systems International responded and stated the collection was Closed with explanation. The statement read, " Credit Systems International regrets any inconvenience that XXXX XXXX may have experienced due to this matter. We understand that he is alleging identity theft, and we have submitted a request for deletion to the credit reporting agencies. '' I do not know why this collection was reopened under my credit report and why it is reappearing again after being resolved and removed from my credit report after many months. I ask CFPB to take the necessary actions to resolve this matter once again and investigate XXXX and Credit Systems International since this is not right to me as an identity theft victim. In addition, all of my credit reports with all three credit bureaus have been frozen since last year so I know this is not a new collection. This is truly taking a toll on my mental health every time I have to deal with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2022, I received a checking account statement from Wells Fargo for a checking account that I did not open. After speaking to several people and filing an identity theft report, they assured me the account was closed. However, it is still open, and I am still receiving statements from Wells Fargo.

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 2023-04-25
Company: Experian Information Solutions 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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account 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 XXXX XXXX : {$6100.00}

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 2018-02-12
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed 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 explanation
Consumer complaint received 2023-01-27
Company: Volvo Car Financial Services U.S., LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I had a Volvo SUV that was repossessed in XXXX of XXXX. My automatic payments had stopped ( no one could explain why ) and the mail that Volvo Financial was sending to my apartment was not being received as I had moved.

In either event, after many many hours on the phone with Volvo Financial, I was able to get the car back. I kept the car for the remainder of the lease, paid off the rest of the least and handed the car back to Volvo at the end of the lease term in XX/XX/XXXX. 

The car was paid off and returned to the dealership. There was no further incident. But my credit score continues to reflect an outstanding bill to Volvo Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: MI
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:
I sent a letter multiple times to XXXX, XXXX, and Equifax.However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act the list of accounts below has violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX 15 u.s.c 1681 section 602 a. States I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c XXXX 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-02-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My wife set up Automatic Bill Pay through Truist Bank. The payment was set up for our mortgage. Initially the the bill pay payments were put in manually by my wife. Our payment is due the XXXX  of each month. It is considered late after 15 days. So XX/XX/2021 my wife utilized bill pays automatic payment system. It was set up for the XXXX of each month. The XXXX payment showed pending on XX/XX/XXXX, XXXX days before the XXXX. The XXXX bill pay payment showed pending XX/XX/XXXX. XXXX days before the XXXX. The XXXX bill pay payment showed pending on the XXXX. XXXX days before the XXXX. As a result of the bank pending the payment 4 days before the XXXX we incurred overdraft fees. These fee 's totaled 180.00 dollars. It would appear that there is no consistency when a automatic payment is labeled as pending. We had sufficient funds in our savings account to cover it, but the accounts aren't linked for overdraft protection. We did this to protect our savings from being depleted if our checking account was ever compromised. The lack of consistency with the bank labeling a transaction pending caused us to be overdrawn. Initially it was 2 days. Now two days has turned into 4 days. None of the manual transactions ever took 4 days. I get paid every Friday and this occurred on a Thursday. Is it wrong to expect some consistency from a bank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After reviewing credit report found this incorrect accounts, I also tried reaching out to credit bureau and companies for resolution without any help or changes. The following accounts are incorrect XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquires 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 2023-02-28
Company: Experian Information Solutions Inc.
State: MI
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:
I sent a letter multiple times to XXXX, Experian, and XXXX.However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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