BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-17
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I am writing to you today regarding my account with BMW Financial Services. It would seem that BMW has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at BMW Financial if one pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, BMW Financial Services has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( XXXX, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/18 resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For approximately the past two months I have been harassed by First National Bank. They leave messages for a person other than me to contact them. I am not that person, and I have had this phone number for the past 15 years at least so most likely that person never had my number. I answered the harassing call once and advised the person on the other end of the above but the harassing phone calls have continued. Most days they call twice per day, sometimes 3 times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I HAVE AN ACTIVE FORBEARANCE EFFECTIVE XX/XX/XXXX THROUGH XX/XX/XXXX..

WHILE ON FORBEARANCE XXXX HAS NEGATIVELY REPORTED DELINQUENT STATUS ON ALL CREDIT REPORTS

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 2021-10-19
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: Public record information inaccurate

Complaint:
Hello i have disputed by mail and by phone also online with Transunion about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX XXXX  so i disputed through XXXX XXXX and they removed it yet Transunion say they are still veryfying through XXXX XXXX spoke with Transunion and they said the courts do not report to them. I want this removed!

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 2018-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 filed a dispute with Capital One and sent a rebuttal regarding the merchants responses with evidence the merchant XXXX XXXX XXXX XXXX XXXX XXXX did not observe local and federal laws in addition I am entitled to reimbursement. Capital One having failed or refused to respond or acknowledge receipt of the rebuttal within the time frame allowed in violation of state and federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: N.A.R., Inc.
State: UT
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:
North American Recovery # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It was started in XXXX. I dont remember the exact date but around XX/XX/XXXX. 
I called in to dispute fraud charges on my account. 
Bank of America credited the charges and the following weeks contacts me and tell me the charges are not fraud. I have reopened this case over 5 times and have asked for proof and they refuse to send me any paperwork besides a piece of paper that says the claim was declined. 
Today XXXX I just got another letter saying that they will put a note on my credit file that I do not agree with their decision and there is nothing else they can do. 
This is not acceptable!! One of the charges is from a store in XXXX!!! 
I need help, the company refuses to provide proof!!

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 2020-04-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a chase checking account on XX/XX/2020 ( account ending in XXXX ) ( chase debit card ending in XXXX ) and by XX/XX/2020, Chase bank restricted my account and were holding my funds, i had a positive balance of {$1900.00} in my account. Having to wait hours on multiple wasted calls the week of the restriction, staff came to a conclusion of closing, I NEVER EVEN RECEIVED A CHASE CARD, i was told Chase bank protocol was to close an account within 10 business days and once closed, send out a official check of the remaining balance to my address within 10 business days. Account was closed XX/XX/XXXX, the banker who opened my account told me, i was also emailed that day with a low balance alert indicating my account went to a flat {$0.00} balance. Fast forward to today and i'm in need of better answers, some tracking or something, because we are way past 10 business days after closure and the phone calls I've been giving haven't done any good service for me as i've been given the run around, back n forth from claims dispute department, fraud hotline department and risk resolutions department, no one could tell me where are my funds. Why haven't i received my check? This is absurd and has to be illegal as it seems Chase has seemingly stole my funds at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. 

At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.

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 2021-07-09
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem getting your free annual credit report

Complaint:
I submitted a complaint XX/XX/20 regarding Trans Union. I still have not received my credit report. I attempted to request on line but the system rejected my response after submitting the numeric portion of my address. I could not complete the request.

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 2019-01-16
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My complaint is now against YOU, the CFPB. 
You are a farce. 

I filed a complaint, the bank responded, and you promptly closed the case, simply because they responded. 
Their response was not helpful, made no attempt to pay me back, did not settle the issue at all, but you guys closed the case. 

You are completely useless. 
You are likely in bed with the defendants ( the bank ). 

Shame on you for not doing your jobs and advocating for the banks instead of the clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Bread Financial Holdings, Inc.
State: NY
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:
Never received an investigation report as required by FCRA. Never received copies of the testimony submitted to three credit bureaus as required by Metro-2 and E-Oscar.

I requested investigation of my account directly with a furnisher and CRA .Both failed to maintain reasonable and prescribed procedures.

Please see attached correspondence. 
Direct Disputes Rule : XXXX. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in 2003, it allowed consumers to also file disputes directly with the furnisher.35 Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; ( 3 ) the consumer 's performance or other conduct concerning an account or other relationship with the furnisher ; or ( 4 ) any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
If the furnisher does not find the dispute frivolous or irrelevant, the furnisher must review all relevant information provided by the consumer in the dispute notice and conduct a reasonable investigation. The furnisher has 30 days from receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.41 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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: Investigation took more than 30 days

Complaint:
I purchased a vehicle. XXXX XXXX was the lender. XXXX XXXX repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over 4k dollars. XXXX XXXX will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from XXXX XXXX I have the option of seeing an attorney to pursue legal action against XXXX XXXX. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over 75,000 per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is XXXX XXXX mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for XXXX XXXX to delete the item from our credit reports. Thank you

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 2021-10-19
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM DEMANDING THAT XXXX AND LEXIS NEXIS AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ID Analytics, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM DEMANDING THAT SAGESTREAM AND XXXX XXXX AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing to you today regarding my account with XXXX XXXX XXXX. It would seem that XXXX has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at XXXX XXXX if onXXXX pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, XXXX XXXX XXXX has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( Experian, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/XXXX resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.

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 2019-03-26
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank didnt pay the homeowners insurance policy in XX/XX/XXXX and I was canceled from my homeowners insurance policy. I was never notified that I didnt have coverage and now its impossible for me to find coverage because there is a four month lapse. My homeowners insurance is escrowed into my account. Now its XX/XX/XXXX and they continue to collect escrow even after they didnt pay the policy. Ive tried calling Flagstar about this on several occasions and no one is getting back to me. Ive left messages every time to get this issue resolved.

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 2021-05-06
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

Creditone bank did not update for a long time, it gives a bad impact to me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: TX
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 contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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