BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: BMW Financial Services NA, LLC
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX. 
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full. 
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database. 
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form. 
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ACCOUNT : XXXX XXXX XXXX. 



15 U.S.C. 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

THIS COMPANY NO LONGER OWN THIS DEBT BUT STILL IS REPORTING IT. THEY HAVE SENT IT TO MULTIPLE DEBT COLLECTORS WITHOUT MY CONSENT. 

I HAVE ASKED FOR PROOF OF EVERYONE WHO HAS OWNED THE DEBT THEY HAVE NO REPORTING INFORMATION.

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 2021-11-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021 Chase bank debited my account XXXX for their " Overdraft Assistance Fee '' and then debited my account XXXX for my XXXX XXXXnsurance through XXXX XXXX pay. My account was left at XXXX XX/XX/2021. 
On XX/XX/XXXX, My XXXX XXXXt was delivered to my XXXX account of XXXX. Instead of my XXXX  account being XXXX it was XXXX. They canceled my XXXX XXXX insurance with XXXX and then CREDITED my account again XXXX with their " Overdraft Assistance Fee ''. I watch and wait from XXXX XXXX XX/XX/XXXX to see if XXXX insurance will send an email stating my XXXX was sent back and they need a payment. But I never receive an email, I check my XXXX account and its stating the payment was valid and accounted for. I talk with a chase XXXX and they are saying the payment was never received. So for two weeks i had a XXXX Car insurance payment no where in my checking account but was accounted for with XXXX insurance. On top of an unaccounted-for debit, Chase bank XXXX XXXX '' me XXXX the same day. On XX/XX/XXXX, XXXX sent me an email stating they never received my payment after I called the previous day regarding my account and billing. The one XXXX is returned by the bank from my XXXX account and but was never returned to my XXXX  account. On XX/XX/XXXX I was given a threat that my insurance policy was going to be canceled. So I would like the XXXX to investigate where was XXXX $ was from XX/XX/XXXX - XX/XX/XXXX, and if the XXXX " credit '' my other half of my child credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: BMW Financial Services NA, LLC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I entered into a lease with BMW financial services four years ago. shortly after signing my lease I noticed the payment date was incorrect, I went back to the dealership and completed the form to change the payment from the XXXX to the XXXX of the month. Over the course of my lease I have had continue problems with the payment coming out on the wrong date. I have completed the change of date form a number of times, I have made phone call after phone call, where I am assured it has been corrected and will not happen again. There have also been a couple times where they will take more then one payment or not take a payment at all, where I will have to battle them to get it corrected. So after all this I have just found out that I have reports of slow payments on my credit bureau, because of the times that they have messed up. I have tried to resolve this with BMW financial however after trying for the past two weeks I have yet to actually speak with a supervisor or a manager to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: DISCOVER BANK
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1.When my card was opened I was not aware of having the card and never used it, therefore Discover open my card fraudulently without my consent which is my privacy violation by Discover. I have never signed any single payment receipt and was not even aware of that account existence.

2. My card was used to pay for the services without my consent. My card was used to dispute payment for service without my consent since per Discover Terms and Conditions Discover will protect poor services. Please view attached Discover Terms and Conditions.

3. In violation with Discover Terms and Conditions Discover did not protect me, never contacted me to verify if I opened the card.

4. Discover placed adverse derogatory write of to my credit report which is fraudulent.

5. I have contacted Discover many times with no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
why is my home loan not showing up on my account? 
where is my irs mortgage interest statement? 
how much were my taxes and when were they paid? 
when did my impound account increase and I was n't notified by letter? 
I have not received forms for the IRS yet and it 's XX/XX/XXXX? 
I need to get my income taxes completed ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: BARCLAYS BANK DELAWARE
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:
The following account is fraud account that was opened without my knowledge or consent : Barclays account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud 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 2022-05-06
Company: Experian Information Solutions Inc.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be DELETED immediately : 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 2022-05-06
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : 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 2021-11-24
Company: Experian Information Solutions Inc.
State: PA
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:
Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. Experian, XXXX, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within four business days, and to promptly notify the furnisher ( s ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )

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 2021-11-24
Company: EQUIFAX, 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:
I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with XXXX. I was late on a few payments so they closed my account. Ive since been paying the monthly payment due on the closed account. The account was closed by the guarantor for over 6 months now. In XXXX, they charged me a yearly fee of {$49.00}. This is fraud. How can I be charged a yearly fee on a card that has been closed and not in use?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Between XXXX XXXX, became a victim of ID Theft. My purse was stolen in XXXX and in XXXX, I was informed by XXXX that they had a breach in security which compromised my personal information and that someone had purchased a mobile phone from XXXX and opened an account. In XXXX XXXX I requested my credit report and I found the following items that do not belong to me and should not be reporting against me. 
I informed Trans Union credit bureau of the accounts and the circumstances. I submitted a complaint to the FTC regarding the ID Theft ; submitted the FTC complaint to the creditors and the Credit Bureau in XXXX XXXX with a letter outlining my circumstances again. I made further contact with the bureau in XXXX XXXX and asked that the accounts be deleted. As per the consumer Act, it has past 30 days in fact, it has been over 120 days since I requested full validation and written documentation to show Contractual Agreement and where the accounts were opened in order to verify that these accounts are not mine. 
XXXX XXXX XXXX Credit Card Acct # XXXX {$850.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1700.00} XXXX Acct # XXXX {$700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, I have a mortgage with XXXX XXXX Bank. During Covid, starting XX/XX/2020 I put the loan in forbearance due immediate Job loss due to covid-19. In XXXX 2020, I returned back to work and Called the bank to discuss options for payments, it was decided deferral was the best option and we worked with loss mitigation to make this successful. It has been over a year and it is still not cleared up. Since XXXX 2020, we continued to make monthly payments and have paid a total of {$16000.00}, a total of 13 months of payments. We call every month trying to fix this problem but they keep messing it up. Now, we are in a terrible financial situation due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A medical debt was reported to my Equifax profile on XX/XX/XXXX for a {$15.00} medical bill that I am unaware of, by an attorney 's office named Law Office of XXXX XXXX XXXX XXXX. When I called the number a man answered stating " RR Resource Recovery ''. The man did not identify himself. He asked me for my name, which I provided, and he immediately stated that I owed {$15.00}. I advised that I did not recall getting a letter with this information. He did not provide his name, nor the original creditor name, nor disclose that he was a debt collector, nor did he state the Mini Miranda disclosure to me. I felt that I was speaking to an attorney due to the credit reporting, so I paid via credit card the {$15.00} balance + a {$5.00} fee which the man stated would be added to a phone payment. He provided a confirmation # of XXXX and the call ended. 

I was misled by this company into paying a bill that I am unaware of and had the right to dispute, but was not offered that right. 
1 ) The collector did not identify himself2 ) The collector did not disclose to me that he was a debt collector3 ) The debt collector did not state the original creditor name despite me telling him that I did not receive an initial notice4 ) The collector stated that my XXXX XXXX credit report was wrong and that XXXX reports are " never right '' 5 ) The collector did not explain why he was charging me a {$5.00} fee for making a phone payment6 ) The company 's entity name is R R RESOURCE RECOVERY, LLC ; however, they have reported debt to my XXXX credit report using the name LAW OFFICE OF XXXX XXXX XXXX XXXX, XXXX - which is an inactive company due to dissolution on XX/XX/XXXX. 

How can a debt collector report to a credit bureau using the name of a dissolved attorney 's office?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions 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:
I believe my information has been compromised and obtained illegally and used for purposes which I have just recently realized when my girlfriend checked my credit for me. They show XXXX XXXX  and XXXX XXXX  none of which I recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Transunion is reporting my current auto loan from XXXX as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit 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 explanation
Consumer complaint received 2016-10-28
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my house and Stonegate Mortgage and Servicing still has not returned over XXXX dollars thats in my escrow account. They have told me numerous times they are sending it which I have at least two of those times recorded on my computer. A manager by the name of XXXX assured me he was overnighting it. Two days later when I called to find out where it was, I was about to be transferred and then suddenly he is no longer in the office for the day at XXXX. Not one person has given me a straight answer and no one has returned my money to me since my closing over 60 days ago from writing this complaint. These people are crooks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief