BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: First Data Corporation
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have an ADP Aline card which is an employer sponsored card to receive direct deposit of checks. On XXXX XXXX, 2016, I went to a restaurant and place an order utilizing my ADP card. Unfortunately, I had to cancel the order due to bad service and inedible food. I told the clerk to cancel the order and he said he could not. The transaction was registered as a credit card purchase. I collected the receipts and did not sign for the order. I contacted ADP Aline on XXXX XXXX, 2016 and requested that the pending transaction be stopped due to an unauthorized transactions. I was informed that a dispute was formulated and that I should find out about the transaction in 7 calendar days. Consequently, on XXXX XXXX, 2016, I checked my account to see no credited balance. I called and spoke with a manager of the organization and was told that they called the merchant and the purchase was authorized. However, it was not. I asked if they had my signature on receipts they responded no. I then asked to start the dispute processed again and was told that I would need to provide an address for mailing legal correspondence. I informed the manager that I have no mailing address at the time and if they could mail it to my nearest post office, she responded, " no. But we can mail it to a friends house. '' Thus, due to me not having a physical address I was denied the right to dispute the transaction. Additionally, I have monies deduction from my account without authorization. What can I do?

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 2021-11-10
Company: BMW Financial Services NA, LLC
State: OR
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:
On XX/XX/XXXX, I totaled my XXXX purchased with financing through BMW financial. Up until that point all payments were made on time and in full including an additional payment for the month of XXXX. Upon learning my vehicle was totaled and having purchased GAP insurance, BMW financial reached out to me and made a statement that they would take care of filing the GAP claim once my insurance settlement had been paid. In working with my insurance, I was able to find three separate payments made from XXXX to BMW financial all for a greater amount than what BMW financial would accept as the true value of my car. Around XX/XX/XXXX I was contacted by a debt collector telling me I had an account balance of $ XXXX with BMW financial which was never settled. Upon contacting, BMW I learned that my GAP claim was never filed and I was told they had no intention of filing the claim despite the initial promise in the letter I received. So working with the debt collector that called me I spent months contacting the XXXX dealership where I purchased and BMW financial to try and resolve this issue and track down the GAP insurance paperwork they had lost. Throughout this entire ordeal someone within BMW was updating my contact information ( phone number and address ) to information that was not my own and I complained about it repeatedly because I was not receiving any notifications from them. Some months working with the debt collector we were able to track down the contact information for the GAP claim company which was next to impossible because it was run by a XXXX dealership. The GAP insurance paid BMW financial on XX/XX/XXXX, XXXX.To my knowledge at this point my account had been terminated in XX/XX/XXXX yet somehow my credit report was adversely affected on XX/XX/XXXX, to show the account was in collections from XX/XX/XXXX with no communications aside from corrupted data emails which I notified them that I couldnt view several times. The account had a balance of a little more than XXXX $ and no one could identify why it had a remaining balance upon talking to all agents I could I was told by each of them that there should not be a balance. Frustrated with the entire situation still not knowing what these mystery charges was for I offered to pay them in exchange for the remarks being removed from my credit report. BMW financial refused my offer despite not being able to identify the source of the charges and admitting it looked like an error and has been denying my disputes with the credit bureaus with our providing any documentation or evidence to support their claim that I owe them still and have failed to provide notification of my owing them a balance despite the letter they sent me guaranteeing that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My problem with Experian report, credit item XXXX XXXX XXXX showing filed chapter XXXX on XXXX XXXX last report, that is Totally wrong, I filed BK chapter XXXX on XXXX XXXX XXXX first time I disputed was on XXXX because experian show BK chapter XXXX and they change it to CH XXXX, but they mist up that Account must remove from the report by XXXX XXXX but still until XXXX XXXX. 
I disputed several times for last two years and every time I disputed the Result comes worse than before, like Account is scheduled to continue on record until XXXX XXXX and XXXX XXXX and XXXX XXXX and last one until XXXX XXXX, so every time i disputed it show like I just filed BK. 
I send them all documents like court order, date of filing and discharge date, and I ask them to give me they source and they never did, XXXX Information on the report its wrong I tried to contact with them but wrong INFO. XXXX XXXX XXXX on the report is XXXX XXXX XXXX TX XXXX. I got mail back, and phone number XXXX is disconnect. 
Please I need your Help, I 'm not asking for fever I 'm asking for my right. 
by the way all accounts are removed from my credit reports XXXX XXXX except XXXX, and if you need any more documents let me know. 
Thank You,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this item with the credit reporting agencies ( XXXX, XXXX, and Experian ). Every time I dispute the item, I receive a response that the item is valid. However, I NEVER receive any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. 

I 'm at my wits end with the massively irresponsible behavior demonstrated by the XXXX credit reporting agencies. Without proof, the credit collections company ( XXXX XXXX XXXX ) has absolutely no right to place this item on my credit report. 

Please help me resolve this issue. THIS IS NOT MY DEBT, AND I REFUSE TO PAY FOR A DEBT THAT IS NOT MINE. 

Thanks, 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 2021-11-10
Company: EQUIFAX, INC.
State: IL
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
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 status incorrect

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX  to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX XXXX  was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX 

Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. 

I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX XXXX  again in order to discuss the above and was informed that they were not able to assist further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I work in the corporate office at Saks Fifth Avenue. My Saks credit account, ending XXXX, is in default after entering my updated XXXX checking account information into the SAKS Online system as well as made a payment though there even though no payment was due at the time -- the account on XXXX XXXX, in fact, reflected a credit of approximately {$100.00} in the Saks Online bill pay service. 

Then I signed in to update my account with my new banking information and made said payment with my new bank account to make sure it worked. When I got in today, five days later, I see I received an email that the payment did go through, although there are sufficient funds in my new XXXX checking account. This morning I 've called Captial One and XXXX XXXX Customer Service several times -- the first call, the operator, XXXX, could not locate my account at all. The second call was disconnected. The next few calls, the Customer Service rep suggested I speak with Saks , Inc. Human Resources and double-check that I entered the correct bank account #. I did everything asked by Saks , Inc. as well as Captial One Card Service representatives. I just signed in and re-entered my new bank account information, and YES, it says it is the same bank information entered last week. However, it will not allow me to use this information for the account, but this is my checking account. PLUS -- the account is now in default, Capital One has charged me fees, but I can not review the complete charges and I 'm being charged an interest rate of 24.24 % as well. As I try to recieve answers and help, my credit score will be affected, and if it is, will make it IMPOSSIBLE to maintain housing within the NY State. In fact, if this happens, I will be homeless, at least temporarily, until it is cleared with credit agencies, and restored to good standing. The last call ( of several on XXXX/XXXX/2016 ) with Captial One Services, I was transferred to " XXXX '' ( who would not give me her last name ). I 'm being forced to repeat this story several times as I 'm transferred, and during ONLY working hours, Now XXXX told me I need to speak to my bank, but would I like to " make a payment now? '' If I knew what I was paying for and could review the charges to my account to make sure my account security was not compromised, I would gladly make a payment. However, I can not view statements on the Online payment system -- or transaction history, it requires they be sent by mail only -- in which interest fees and late fees will accrue and my credit score will be affected. Any help you can provide is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX 24 . XXXX  25 XXXX XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( Again ) 15. XXXX XXXX Bank 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )

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 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a negative credit reporting alert from XXXX on XX/XX/2016 that creditor, Capital One has placed a 30 DAY LATE on my credit file. The creditor has posted misleading, invalid, and inaccurate information to the major Credit Bureaus. I received a 30 Day Late Payment ERROR which was created by FAULT of Capital One. I requested the alleged 30 Day Late Debt be validated and proof be provided surrounding investigation of why the XX/XX/2016 payment was cancelled by Captial One. The request was not honored nor has the inaccuracy been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX ASSOC ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish anything.

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 2016-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
contacted experian in regards to incorrect information on my credit report. I received a letter today XXXX/XXXX/16 stating experian will not re-investigate the incorrect information for me. I have provided substantial information proving that these accts were never late. I am re-sending today copies again from the bank showing proof that my report is to be corrected. There are XXXX items on the report that are showing as negative ... ..I do not understand because under that it states paying as agreed but showing in potentially negative. These acct 's were never paid late and I have proof to show so. I am complaining because they ( experian ) sends me this letter stating they will not re-investigate for 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 2022-09-16
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:
These credit bureaus aren't doing an investigation and asking for proper documentation to verify what their reporting is accurate. I'm asking for method of verification and I've submitted documents and I'm being told they can't accept my documents but they sent them to the companies. These credit bureaus make money off these companies reporting this information and have more priorities with them than the consumer. I would like to have a method of verification sent to me and I've yet to be provided this documentation. I have inquiries that aren't permissible and when I try and dispute them to get them deleted I'm told I have to file a police report or file a FTC complaint. The FCRA doesn't state this anywhere but yet the credit bureaus are allowed to use this false information as a way to not do a proper investigation. The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : FACTUAL DATA. 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 via FACTUAL DATA. Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.

Company response to consumer: Closed with explanation