BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a follow on to the previously made CFPB Claim Number XXXX, i : have attached the correspondence with them through CFPB. 
BMW Financial seems to admit it is a racket, i.e. the financiers at BMW knowingly finance material misrepresentation and outright fraud at BMW of North America.

There is not even an attempt to contact BMW of North America by BMW Financial when outright fraud has been presented to BMW Financial. i : don't see BMW Financial sending my verified claim to BMW of North America, LLC., even though BMW Financial Services , by their own admission, finance cars from BMW of North America , LLC . 
This seems to be BMW Financial Services ' admission that is a racket, i.e. BMW Financial Services knowingly routinely finances fraud committed and perfected on American consumers which has further damaged me economically. 
The very least BMW Financial Services should have and could have done, was to forward my claim to BMW of North America, LLC. or stop financing BMW of North America, LLC. until BMW of North America, LLC. furnishes ample relief to me based on their material misrepresentation to me to lure me into leasing a car with fabricated and false advertisement [ i.e. XXXX when the car does not even provides for half of that mileage advertised on the car ]. 
BMW Financial Services must forward my claim to BMW of North America, LLC. within 10 days, if in fact, BMW Financial Services is not working in a racket to steal from me working in collaboration with BMW of North America, LLC. Otherwise, that is ample and additional evidence, that it is a racket and both BMW Financial Services and BMW of North America, LLC. are liable for additional financial damages to me based on the racket they admitted to by failing to act when on repeated notice of outright fraud and misrepresentation, etc. 
CFPB must also penalize BMW Financial Services, following the 10 day cut off date for failure to remedy BMW Financial Services ' error -- to wit : BMW Financial Services must not be rewarded to be able to continue to finance outright fraud presented to consumers for luring consumers into buying or leasing cars from BMW of North America, LLC. by material false advertisement. 
This is precisely one of the main mandate of CFPB, to wit : protecting consumers from the same type of financial fraud committed and perfected on the People of this Republic by said perpetrators -- BMW Financial Services forming a racket with BMW of North America, LLC. to cheat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As reported by XXXX my Equifax score has decreased by 116 points because of the following change. A balance was decreased by {$110.00}. Based on Equifax data dated XX/XX/19 Credit changes : Current score XXXX - Score was XXXX up until XX/XX/19 XXXX points down. 

We found 1 change to your Equifax credit report. 
Balance Decrease XXXX  Balance Decreased by {$110.00} Didn't payoff or close the account, didn't miss a payment, no collections were added, I am not using anymore credit etc. 

I have filed a previous complaint of inaccurate reporting. I am hoping this is not retaliation from the powers that be. Even multiple hard inquiries won't decrease a score by XXXX points. What is going on? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Recieved a XXXX XXXX card in the mail today in my name. The only phone numbers provided by the company - XXXX is an automated system that hangs up on you unless you provide a card number or SSN. I am not providing either to a company that is sending me finical accounts that I did not ask for. 

I have no way to contact them to see what this card is about, why, who, or when it was requested. 

I am not sure if they are planing to charge me the monthlyyearly fees associated with this card, as they are hiding behind an automated phone system. 

Associated names : XXXX XXXX XXXX XXXX Netspend 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 2018-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select portfolios are attempting to foreclose on my property with fraudulent assignments that have been robo signed they have failed to respond to my QWR and my debt validation notices dated XXXX  of XXXXthey offered a preditory modification which gave me a XXXX balloon payment and a mortgage payment that went from XXXX to nearly 1900also XX/XX/XXXX I filed an affidavit of notice in XXXX county due to various elements of fraud misrepresentation and deceptive practices I revoked the power of attorney from XXXX XXXX and the home equity asset tust XX/XX/XXXX-5 holders for it is unconstitutional everyone has a right to due process of law.I stand on the 14th amendment and Article V. I don't want my home to be sold on the courthouse steps with do process of law. I demand a jury of my peers to make the decision. 
I want a judicial foreclosure because of all of the fraudulent assignments and other deceptive practices

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 2019-03-22
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I received an email notification from XXXX telling me Radius Global Solutions LLC sent a negative credit report to XXXX. I immediately contacted XXXX ( XXXX ) XXXX and spoke to XXXX, an associate. He explained that Radius Global Solutions LLC is a debt collecting agency acting on behalf of XXXX XXXX XXXX XXXX for {$470.00} owed for services provided XX/XX/XXXX. 
I never received a letter or bill from either Radius Global or XXXX XXXX at any time and I would not have been expecting one because I had full medical coverage by XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 
As of XX/XX/XXXX, coverage was assigned to XXXX. 
After our discussion, an investigation was opened and I was promised a response in 30 days from XXXX. However, XX/XX/XXXX, I received a letter from Radius Global Solutions LLC offering me to pay the sum of {$330.00} to settle the debt. A copy of this letter was sent to XXXX. I have a legal and moral obligation to pay all debts, this however, was not incurred by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to dispute an item from Gold key credit from my credit bureau, they stated I have a balance of {$460.00}, asked them to provide me with evidence of my debt and they only send a statement, no signature, no contract. I faked this to be remove from my credit and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
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: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. 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 2020-12-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received message that Navy FederaXXXX had denied my application, XX/XX/XXXX, after receiving an pre-approval from XXXX XXXX. It was verbally advised because of XXXX XXXX more than 7 years ago, Navy Federal is refusing to accept any type of loan as me being on the account for a loan. I was told if I want to pay the debt, I could, but we were at an impasse. Not allowed credit is permanently affixed to me credit worthiness, no matter what. I was further advised today and yesterday to call charge/off bankruptcy department, XXXX. I spoke to two different people. The last person stated even if I paid on the accounts loan and credit card, I would not be granted any services. He told me that they were permanent affix and time would not change the status. I explained my military XXXX had caused an interruption. I lost a lot but I had no problem back then XXXX, I was blocked out of my account. When I attempted to pay I was rerouted to collections. I was forced to add Navy Federal to my bankruptcy. Now to present day customer service in mortgage and bankruptcy department verbally stated if I wanted a job there I would not be allowed because of my XXXX  from over 7 years ago. I take issue with this as a federal employee who have been told these rules can interrupt my federal career goal, that is already tough to advance in for an XXXX XXXX like myself. All because I was then and XXXX due to my military service which has recently been rated as 100 % total and permanent XXXX. That to me is discrimination, due to me being a XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
XXXX XXXX  and Transunion has an account on my credit that is not mine/inaccurate. 

Accounts-not mine 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 explanation
Consumer complaint received 2018-06-11
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a substantial payment to my TJ Maxx Mastercard with XXXX XXXX. Payment was made on XX/XX/XXXX and debited from my bank that evening. Finally showed up on XX/XX/XXXX as a payment. Inquired why my available credit wasnt updated. Was told by CS rep that my payment would not be available until XX/XX/XXXX which is 9 days later. Never paid late. Always paid outstanding balance each month. When I inquired about why I was penalized for paying my outstanding balance, was told I was a high risk from their risk dept. Nothing in my history warrants this treatment. CS reps were very rude and insisted I was the problem.

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 2018-12-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper the loan servicer requires an escrow account for XXXX county property taxes. They are due in two installments. One in XX/XX/XXXX and one in XX/XX/XXXX of the next year. I am in the Calif Property Tax Postponerment program for low-income seniors and Calif pays these property taxes. They pay both installments in XX/XX/XXXX. But each year Mr Cooper pays the first one in XX/XX/XXXX even though I've repeatedly told them not to. So I have to get back the double payment from XXXX county which takes a lot of time and trouble. It is over {$3400.00} and I'm really not able to do without this much money. Furthermore Mr Cooper keeps me paying into escrow for the 2nd installment which has already been paid! 
I have repeatedly contacted Mr Cooper 's representative XXXX XXXX about this and he is absolutely unwilling to help. He has hard copies of the paid taxes from the county but refuses to credit them and does not respond to email or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, while I was sitting with my husband at XXXX XXXX in XXXX XXXX for him to turn in his vehicle and renew his lease, I was convinced to turn my lease in early for a new GMC that was not yet on the lot. After spending a significant amount of time there, I agreed and was provided with an estimated delivery date of my new vehicle of XX/XX/XXXX.

After numerous phone calls and emails, I was responsible for two lease payments, and didn't have possession of my new vehicle until XX/XX/XXXX.

As a result of dealer error and misinformation, my credit has been negatively affected, I was in the hospital for XXXX  ( I am a XXXX patient ) and I was ultimately provided with a vehicle that didn't have everything that it was supposed to have. I am still awaiting reimbursement for the XX/XX/XXXX payment and {$100.00} copay from my hospital copay that was promised to me.

I was also told 2 years free oil changes and was then provided with 2 free oil changes. The ultimate irony of the " 3 months free '' Satellite radio that it should have, it did not even come with the option for Satellite radio. Again, this is the LEAST of the issues, but just an another example of " bait and switch ''.

And now, I can't even receive a response from anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CNG FINANCIAL CORPORATION
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:
This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Credit Karma, LLC
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I signed up for a credit karma account a couple months ago and I asked for their credit Karma spend account debit card to be sent to me in the mail. You can load funds onto the card and use it as a normal debit card. I am a recipient of unemployment and I asked for my unemployment benefits to be direct deposited into my spend account through credit Karma. There is a substantial amount of funds in the account however credit Karma has locked my account and not giving me any reason as to why they would do that or continuing contract with me. The stopped speaking with me after an hour of trying to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: IL
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. 
You are reported totally different or missing information on my XX/XX/XXXX account. 
I attached copies of my annual credit reports of all major bureaus so you can find wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: IL
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 unable to pull my Equifax report. Company is saying that this is because of my existing fraud alert. 

Additionally, there are 2 addresses listed on my previous address secition. One is an address in Indiana. I've never lived in Indiana. The 2nd address is an address on XXXX XXXX That address is not mine either. It, in fact is a place of business. It is not a residential address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: AL
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:
Serval accounts on Equifax is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday they call from random numbers, even though we told them to use their corp number and disclose their name. 
I tried to call them on their XXXX and XXXX number today repeatedly and it rings and hangs up. 
We can not set up a repayment plan if they will not be reasonable and work with us. 
It's very unprofessional on their part and the calls come starting at XXXX XXXX. and end around XXXX XXXX. SOmetimes three or 4 calls in a row from random local numbers spoofing their calls. We don't answer unknown callers. Period. NEver have so they need to disclose their business name and they need to answer so we can make reasonable efforts to repay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3.XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXXXXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified 7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In response to the complaint XX/XX/XXXX everything a representative said from citi bank said isn't not truth because on XX/XX/XXXX i made a phone call advise them that i suspected unauthorised online wire transfer on my account ending XXXX, I spoke with a gentleman he says that transaction will took 24 to 72 hours to be clear therefore I will fallow a claims in then less than 30 minutes passed i called again a lady answered me saying that unauthorised online wire transfer send hourly at the morning she let me recalled for you and follow a disputed I never heard from them they're staying on still unknown person did another 2 unauthorised transactions again by XX/XX/XXXX and XX/XX/XXXX a representative from citi bank said they will send a notice by mail never received, now they're tried to confuse me i recalled on XX/XX/XXXX that is true them fault and negligence of 3 unauthorised online wire transfer, no excuse i need and I want my money back to my account ending XXXX because I made a phone call on XX/XX/XXXX for the first transaction they waited for another 2 more therefore they bank errors no order alternative just refund me my money back please.

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 2021-07-20
Company: PNC Bank N.A.
State: OR
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:
I had a credit card with BBVA Compass. I was not aware that I owed a balance on this card. I received a letter from a Debt collection company regarding a balance due. I called BBVA and they would not assist me nor tell me anything regarding this dispute, they transferred me to the debt collector, which I explained that I am not aware of owing BBVA any money, they informed me that I could not talk to BBVA and I could only talk to them.

I have not received a bill, email or phone call from BBVA regarding this dispute so I'm
confused as to why they will not assist me in resolving this matter and require me to handle with the debt collector. 

I have requested from the debt collector a statement regarding this dispute, BBVA refused to assist me.

Company response to consumer: Closed with explanation