BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: LA
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 WAS LOOKING AT MY CREDIT REPORT AND WAS SHOCKED TO SEE ACCOUNTS THAT WAS AUTHORIZED BY ME. I FILED A POLICE REPORT AND FILED A FTC CLAIM AND WITH THE CFPB. I CAN'T BELIEVE THIS IS HAPPENING TO ME. THIS IS VERY DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2021-11-04
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
i was told that i need a down payment on my car, so i put XXXX down payment, however pursuant to 15 usc 1662b ( no advertisement to aid, promote or assist directly or indirectly any extension of consumer credit may state ) also the seller bmw of gwinnett place and bmw financial has a lien on my bmw and is forcing me to make monthly payments or they will repo my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CR COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CR COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2017-12-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fax sent today to the Wells Fargo agent : We are extremely confused, concerned and bewildered with the status of our account. We started working with you last XXXX. We have never been informed of anything other than that the account would be reviewed and that the purpose of the review would be to add the arrears to the loan and resume payments. We were even asked by the underwriter if it would help to have some reduction in the payments. Over the course of nearly six months we have complied promptly with every request for information and documentation but at every step we were met with confusion and conflicting information. Frustration abounded when we were told 2-3 times that the emailed or faxed information could not be properly read ( allegedly cutting off the documents ). This was patently untrue. I personally went twice to the local Wells Fargo branch to have them scan and email the requested materials. Within hours I went to a different bank, had them scanned and emailed to both of us. Once again I was told that they were not properly received yet they came perfectly to my email which clearly indicated that the issue was on your end and that the materials were being properly sent. We recently received a checklist of numerous pages of the documents that we had provided. Your document showed over 50 documents that we have submitted, all on a timely basismost within hours or days. It also listed a request for four other documents that we had provided at least three times previously! It asked that these be submitted by next week, however you then called and said that it was not necessary. 
During this process I was never advised that I should be making paymentsit was always that the payments would be incorporated into the loan and therefore we continued putting our money into the home improvements. Our world was shaken when, last week, I received a phone call that said that the refinance was going to be denieda call that came before the date of a letter stating that the file was open and that more documents were requested. The alleged denial was due to a lack of sufficient income. Reference was made to the loan exceeding 40 % of income which is impossible! Attached you will see that the loan is less than 33 % of income. I was told that I could see how this was determined but never told how. I have yet to be able to access this calculation and frankly, there is no doubt in my mind that this is incorrect and that for some reason we are being screwed.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2011, I lost my job. I worked with Bank of America to place my loan in forbearance, but they would not allow it. After 12 months, and {$27000.00} later, they gave me a partial claim and destroyed my credit. They continued to tell me not to make the payment as it would force FHA to allow the partial claim. As a result, I have horrible credit, I have been denied loans and credit, and what I have been offered are astronomical rates and sub-prime lending. This is not fair!

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 2021-02-10
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX DIRECT EXPRESS XXXX XXXX  STILE ALL THE MONEY OFF MY XXXX CARD OVER {$1000.00} N LEFT ME OVERDRAWN {$450.00}!!!!! FOR OVER {$1100.00} IN FRAUDULENT CHARGES!!! THEY THEMSELVES TOLD ME TO DISPUTE THEY CAN NOT DVEN FIND AN ADDRESS OR PHONE NUMBER FOR TGESE CHARGES COMING FROM XXXX XXXX!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion was inform of a compliant by myself, they proceeded to investigate. After investigating, by omitted that my credit profile was inaccurate and updated with more inaccuracies. Under the Fair Credit Reporting Act, they suppose to maintain accurate information at all times. They also didnt provide verification of these accounts, and continue to ignore my requests for verification.

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 2020-09-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX I was on a family cruise and at a stop in XXXX XXXX, I stopped into a jewelry store and purchased jewelry. upon checking out, the associate offered me the store credit card with XXXX XXXX, although i was prepared to pay for the purchase with my debit card. when i declined the offer, the associate further explained that the card was being offered as a promotional offer and would not incur interest. Based on that information, i agreed to open the account to pay for the jewelry. I received a welcome letter that also mentioned the special finance offer, with no disclosure regarding deferred interest. i paid on the account monthly and as i was told, interest was not charged. until XX/XX/XXXX, when the balance on my account increased dramatically and i called customer service to understand. i was then told that my account was a deferred interest promotional account and because i had not paid the full balance in 12 months, interest was applied to the account. i explained to customer service that this was the first time i had heard of or been told anything about a deferral period that would expire. the promotional period was not explained in any notices and was not included in the sales associates explanation of the card. The customer service rep directed me to a section of my account statement which read DF INT and she told me that DF INT meant Deffered Interest. there was no explanation or spell out of this abbreviation on the face of my statement or on the back of my statement and neither was it ever explained to me by the sales associate. The terms of the card was not explained to me by the store associate and not included in monthly statements or the welcome letter. knowing the interest was only deferred for 12 months is material information that would have change my decision to open this account or guided timing of my payments. this material information appears to be deceptive and unfair, especially to the elderly population who may not be familiar with these sorts of contingent promotions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: 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 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 2020-09-29
Company: Northtown Capital Services Group LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
North Town Capital in XXXX NY has been calling me and all my family members trying to get information about someone I am not related to. They refused to completely identify themselves. They lied and said they were a company that just gathers basic info for something I forget what she said. They identify as NCSG only. The lady said by state and federal law they can not disclose information of what they do. Lie one. They said by law they are allowed to call anyone they want when they want.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Information belongs to someone else

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$850.00} Closed XXXX   Reported : XXXX. XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/, 2020 AND INQUIRIES As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 addressed a hard inquiry on my report from XXXX XXXX that I did not make regarding a personal loan to be disputed from my report. As of XX/XX/XXXX, XXXX XXXX has sent the request to the credit company reporting this inquiry ( being Transuion ) to be removed and they stated to allow 60 days for it to be removed. Today is XX/XX/XXXX and it has yet to be 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 2020-07-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I received a letter from Chase Bank unilaterally cancelling all of my personal accounts, and all accounts that I was associated with. This includes my mother, my niece, and my children. They cancelled credit cards on the same date as the letter and stated a termination of our banking relationship Would be effective XX/XX/XXXX. The bank has provided NO EXPLANATION, and has refused to communicate with me regarding this issue. I have had a relationship with Chase Bank for 20 years and have multiple business and personal accounts with the institution. The aggregate amount of my assets with Chase Bank are substantial, and being a Certified Member of the woman owned XXXX XXXX, I find the treatment XXXX   and discriminatory. Failure to provide any explanation, or opportunity to cure any perceived irregularity is misconduct by this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: ID Analytics, Inc.
State: AR
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:
PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF TRANSUNION DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, XXXX XXXX XXXXXXXX, SAGESTREAM LLC, XXXX XXXXXXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 without 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 then records of convictions of crimes which antedates the report by more then 7 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 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 2020-02-13
Company: Experian Information Solutions Inc.
State: NC
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 applied for they XXXX  XXXX  and was approved, after receiving my credit card from XXXX XXXX  my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted XXXX XXXX fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: CBC Companies, Inc.
State: AR
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:
PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF XXXX  DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, FACTUAL DATA, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.

Company response to consumer: Closed with explanation