BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I bought a XXXX  XXXX XXXX from BMW of XXXX last year on XXXX. When I first got the car I started noticing a strong mildew smell and some mildew in some of the seat belts. I brought my car in and they cleaned and charged the air filter and then that same week I had to brought it in again because electrical damage associated with the turbo. They replaced the turbo and it was covered under my extended warranty, but I still could smell the mildew in my car and I even got sick because of it. Then, 8 months after buying this vehicle, at the beginning of XX/XX/XXXX, I left it park outside my home and water got into my car through the moonroof which was closed, this caused damages to my vehicle to the point that it is not drivable anymore and the cost of fixing it is higher than the cars value. I have been trying to get a solution from BMW but they always say that they are not responsible for that, when other BMW dealer already told me this vehicle has a defect in the moonroof and thats why water is leaking through it. I frankly dont know what else to do, but Im 100 % sure that they sold me a car with water damaged. I have tried to come to an agreement with the dealership since XXXX but they havent given me any solution and expect me to continue paying for this vehicle, and I still owe $ XXXX. This has been so stressful for me that it has affected my health and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CHASE BANK CHECKING ACCOUNT BALANCE, Ending Amount {$1800.00} XXXXPresent CHASE BANK processed and released my funds making funds available in my account and then took the funds back and blocked my account not allowing me to withdraw the amount of {$1800.00} that was available in my account. 
I Called to request a release of funds Unsuccessful attempts to claim ending balance From CHASE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Payward Ventures Inc. dba Kraken
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX is a virtual currency exchange that at this point in time, XX/XX/XXXX, has been down 40 hours. There is no way to contact them either by phone number or other way. My entire investment, $ 9k-12k depending on daily market swings, is currently unavailable. They are claiming thst they 're doing maintenance but this is highly suspect. No true company takes their trading platform out for 40 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was told it was to late and if my documents were received they would not be downloaded until XXXX XXXX XXXX XXXX It was XXXX XXXX and it would be too late. I called GREGORY FUNDING on XX/XX/XXXX and was told the documents never arrived on Fri. I requested information concerning an appeal and was advised that no appeal process excist if an application is not complete. I had provided all the documents requested and received notification concerning my medical records I provided. I was informed my documentation I submitted was destroyed in it entirety. I had no idea that my loan modification was no longer being reviewed. I have hired a law firm to assist me and was informed that the wait time on the phone was approximately 5 to 6 hours. This is exactly what I was subjected to when I began the process. I began submitted the documents again to GREGORY FUNDING. My loan server changed hands three times, after XXXX filed for bankruptcy. HUD has agreed to assist me and states I should contact GREGORY FUNDING and ask for an extension of two weeks. This is the XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just looked at my credit report and was shocked to see the error you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : VERIFY AND VALIDATE all data. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

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 2023-09-06
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check yesterday and everything was fine till this morning. I was told the the check had already cleared and now citi has closed my account saying i violated a rule. I'm i not supposed to make deposits into the account anymore? I don't understand this this happening. I would like my check of the full amount or my account reinstated back. I don't see any reason why they should close my 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 explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning erroneous name, addresses and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX DEPT OF ED/XXXX Account number XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit reporting 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 checked my credit report through credit wise and noticed an inquiry entry from American Express. I noticed it was done on XX/XX/XXXXXXXX XXXX XXXX, which I didn't authorize and didn't apply for. I contacted the company immediately once discovered. I then obtained XXXX to protect myself going forward as a XXXX XXXX. I contacted American Express in XX/XX/2023 when I discovered this unauthorized action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX-confirmed customer service to deposit payroll check via mobile app with 100 % funds available XX/XX/XXXX. Funds deposited and placed on hold. 
XXXX2-customer service confirmed funds available after midnight as day is not considered holiday for Citibank, considered business day. 
XXXX-customer service via telephone multiple transfers, call lasting over 60 minutes while customer service rep attempting to have a branch remove hold. Unsuccessful reaching a branch. Assured return call within 24 hours. 
XXXX attempted to call multiple ( x20 ) branch locations myself, all except 2 finally answered, left messages for manager to return call. No return response received. 
XXXX account now overdrawn partial funds off hold. Customer service provides script answers now saying hold will be released XX/XX/XXXX. Call to accelerated customer service, placed on hold 20 min, then call disconnected. Attempted to call branch again, reached XXXX XXXX, same 1 as message left XX/XX/XXXX. Left 2nd message with staff for manager XXXX to return call to assist. Still no return call. Citi appears to be lying to customers in efforts to secure their funds and then withhold and block customers from access to assistance forcing them to have funds held XXXX and wait for their imposed time limits to access funds.

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 2023-09-06
Company: Incomm Holdings Inc.
State: GA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$400.00} gift card at XXXX which I only used once to order food. After a day the card was used to purchase something for {$230.00} from a store in New York which I live no where near and did not authorize myself and then the card just went inactive and unable to use it at all. I cant purchase anything, check balance or anything. I contacted the company and submitted the requested documents they asked for but no one has ever contacted me back at all or anything regarding the gift card and how I can get my money back that was stolen from me. I want a new gift card issued since the funds were stolen fraudulently and I only used it once to order fast food delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Contacted XXXX and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: MNS & Associates LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021, I received repeated calls from the following telephone number : XXXX. There were total of five calls, back to back, with the same voicemail left every time. In the voicemail, the caller identified herself as a XXXX XXXX and requested a call back to a different number, XXXX. The caller stated that if I did not call back, a " demand notice would go out in the next XXXX hours. She did not say the nature of a " demand notice '' or a call ( e.g., this is an attempt to collect a debt or a similar statement ). 
Additionally, this same person called my husband and my sister-in-law. The same voicemail was left on my husband 's number, as well as a request to provide my residential address verification. My sister-in-law answered the call, the caller asked if she knew me, my place of employment and to verify my residential address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received the following email from American Express on XX/XX/XXXX claiming they will essentially give me {$2500.00} Statement Credit ( basically cash ) if I do a refinance through XXXX  which doesn't seem to even be affiliated with American Express. My concern/complaint is why just this particular mortgage lender and why is American Express steering me to use just XXXX XXXX   XXXX? To me it's seem unfair that as a long time card holder I can't choose who I want and still get this statement credit especially when there seems to be no company affiliation between the 2 companies. See below email content received on XX/XX/XXXX. 



****, an exclusive {$2500.00} Statement Credit offer from XXXX   available inside. 
Inbox x American Express    Unsubscribe XX/XX/XXXX, XXXX XXXX  ( 2 days ago ) to me Manage Email Preferences AMERICAN EXPRESS Don't live life without it Account ending : ********* Member since : XXXX American Express Platinum Card Hello , ********** Log in Display images to show real-time content As a valued Card Member since XXXX, we expect you to count on us through lifes biggest moments. From that new couch to that room with the perfect view, investing in your home should feel simple and rewarding. Thats why we want you to be among the first to know about an exclusive offer from XXXX to help make the homebuying process more convenient for you. 

Exclusive offer for eligible American Express Card Members provided by XXXX. Apply by XX/XX/XXXX, to unlock this offer : {$2500.00} Statement Credit Get a {$2500.00} American Express statement credit when you purchase or refinance your home with XXXX. Must close your mortgage by XX/XX/XXXX, to receive the credit. * Free Appraisal with XXXX XXXX Enjoy free appraisal, a {$550.00} value. Plus, XXXX will rush your appraisal at no additional cost so that you have peace of mind. * Dedicated Concierge Access to a Better Dedicated Concierge that is available to support you from start to close. * When you buy a home or refinance with XXXX, youll also have access to their suite of benefits, such as : Competitive Pricing Get a competitive, low and transparent rate. 


No Fees for Originating your Mortgage Pay no fees for application, origination, underwriting, or commission. Other fees will apply. 


Computer monitor and mobile device icon A Digital Experience Apply through a digital process. 


Get Offer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Fay Servicing, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account # XXXX Fay Servicing LLC reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX I sent Equifax a certified letter stating that I want them to delete the XXXX  XXXX bankruptcy from my credit report or send information who obtained this information on my credit report. I get no response so I called Equifax and I talked to agency about the bankruptcy and he stated that XXXX reports to the credit bureau. So I wrote XXXX a letter demanding them to delete this bankruptcy from my credit report that the United States Bankruptcy Court do not report to credit bureau nor no agency. ( See attached letter ) I want this deleted from my credit report IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Foris DAX, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX ( XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXXXXXX XXXX  from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent dispute letters to the credit bureaus multiple times but never did I receive any correspondence. Once again, I am the credit bureaus for the complete and accurate reporting of this account. Ensure to provide me with all the missing information I have been asking for. Your lack of correct investigation ruins my score. Please provide these information to correct my 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 2022-01-24
Company: EQUIFAX, INC.
State: PA
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 reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies XXXX, Equifax, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).

Company response to consumer: Closed with explanation