BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Good day, I purchased a XXXX BMW in XXXX XXXX, along with an extended warranty, I Traded the vehicle in less than four ( 4 ) months XX/XX/XXXX and was told I would be refunded for the extended warranty I purchased at about {$6500.00}, after 8 months of calling and re-submitting the request, I was told that BMW does not refund the warranty when a vehicle is traded in.. I was flabbergasted... well to make matters worse, did not like the XXXX BMW XXXX I purchased and ended trading it in on XXXX XXXX for a new XXXX well the dealer I went to never heard of such a thing, and attempted to contact BMW XXXX XXXX where I purchased the two cars, and got nothing but a run around, and the calls going straight to Voice Mail , additionally they had placed a notation on my record at the dealer to not speak with me. I now have paid to two warranties that I will never use. Can something be done to help get my money back? In my Opinion BMW of XXXX are practicing UDAAP. I have lost about {$11000.00}. 
Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX  account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.

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 2022-04-26
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX hired Mandrich law group to contact me. The firm has contacted me by mail, and phone informing me that they are a law group hired by XXXX. I informed them I am a single parent of XXXX children I have been in and out of work. One representative was so rude to me that I hung up because he was so disrespectful. Today XX/XX/22 at XXXXpm a female op called I called her back and she was quiet over the phone and I explained my situation and how her reps were rude. I am single parent of XXXX kids I am trying hard to do my best but these contact calls and mail letters are a form of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a thirty day late on my account in  XXXX  of  2016. I was not supposed to be reported for this late, according to a manager i spoke  with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt authorize XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX, XXXX XXXX XXXX XXXX,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
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: Account information incorrect

Complaint:
Hello, this is  XXXX   XXXX  and I had a concern regarding  XXXX  placing  a thirty  day late on my account in  XXXX  of  2016 . I was not supposed to be reported for this late, according to  a manager i  spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.

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 2021-11-17
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A law firm called Rausch Sturm LLP filed a lawsuit in a XXXX XXXX XXXX in Florida for an alleged debt I owe to XXXX XXXX in the amount of {$43000.00}. 
They mailed me over 400 pages of charges made by someone on a credit card obtained in 1990 by a person who has part of the name similar to mine. 
I have contacted the law firm and XXXX XXXX several times and they have not been able to resolve that I am the wrong person. I have authorized them to review my credit report, I have offered all the information they ask for, I am willing to do whatever it takes to prove that I am not the same person. 
Today, XX/XX/XXXX, I called XXXX XXXX, XXXX XXXX XXXX XXXX and they say it takes up to 30 days to get back to me. 
Today, XX/XX/XXXX, I also called the law firm and the person who answered me, XXXX XXXX, said that access to my account is blocked because they are investigating it and that she has no idea when they will have an answer. She told me that the investigators from her firm do not accept calls. This whole conversation is recorded by that same company. 
In the meantime I have 10 days left to respond to the legal claim. 
I am a citizen of the United States, I have lived in this country for 40 years and my resume is impeccable. I have never defaulted on a debt, my XXXX XXXX is over XXXX. I have never had the slightest legal problem in my life. 
This unfair situation has my wife and I under maximum stress. I am XXXX XXXX XXXX. I am a XXXX  with an extensive background and I can prove all the acts of my life have been correct. 
I do not want to and can not hire a lawyer to defend me for something I do not owe. I do not understand why neither of these XXXX companies can give me an answer immediately.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-02-10
Company: DISCOVER BANK
State: IN
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:
Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXXXXXX XXXX {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX$2800.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX {$9100.00} XXXXXXXX XXXX {$5000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2020-11-04
Company: JPMORGAN CHASE & CO.
State: NM
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:
On XX/XX/2020 I submitted a complaint to Chase bank because it showed as a Flexible Spending Account on my credit report. It is NOT a flexible spending account ; it is a revolving credit card. I didn't know why it showed negative on my report. When I spoke with Chase bank, they said that they only report to credit agencies when there are two consecutive late payments. Chase bank indicated that they did NOT report anything to any credit agencies. Further, I pay more than the minimum payment every month. When I pay early, they view it as a LATE payment because a statement hasn't generated. Chase sent me a letter of confirming they did not send or report anything negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion was sent a certified letter in reference to unauthorized inquiries on my credit report. I requested they send me documentation of my wet signature as I did not make the inquiries. Instead of completing and investigation I was sent a letter giving me an explanation of inquiries on my credit report ( letter dated XX/XX/2021 and I received it XX/XX/2021 ). My request was not to receive an explanation of what inquiries were.

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 2022-04-26
Company: SG and Associates
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: Was not notified of investigation status or results

Complaint:
To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to XXXX. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward. 

They left threatening messages on two family member voicemails directed to me, since they don't have my phone number. They said that the police was involved.

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 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My family, and our neighbors, have received repeated calls from a collection agency ( I think it is Pioneer Credit Recovery ) whose number they gave for call back is XXXX. However, the last number I received a call from is XXXX. Apparently they are trying to collect a student load debt from a gentleman in our neighborhood and have resorted to calling this man 's neighbors about the debt and asking us if we can get a message through to that owes the debt. They have even gotten the cell phone numbers for my family members including my XXXX year old daughter and XXXX of my sons. They called my son at XXXX Mountain time this week and he told then to contact me. They did contact me at XXXX and I proceeded to tell the woman that what she was doing is harassment and that the man 's neighbors have nothing to do with the man 's debt and no responsibility to help them collect that debt. Even more so, I think it is totally inappropriate for them to be letting the man 's neighbors know that he has uncollected debt! I asked the woman to take us off of her list and hopefully they will do so but wanted to alert you of these harassing practices. Thanks,

Company response to consumer: Closed with explanation