BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: BMW Financial Services NA, LLC
State: MO
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:
BMW recently stated here in a prior complaint -they offered to take the BMW reported erroneous credit history information off my credit reports. The offending information was taken off my XXXX and XXXX XXXX but not my XXXX. This failure to act on BMWs part shows BMW is in the business of harassing people who complain about them. 

XXXX  has helped facilitate this fraud along with bogus credit inquiries made for my credit report without permissible purpose authorization. These issues will become a separate complaint about XXXX business practices and vindictive nature too,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 - I communicated to collection company, I do not owe this debt in the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have been utilizing square for my XXXX  XXXX  for customers to pay invoices for XXXX. Over the last couple days I noticed miscellaneous charges that were not explained upfront before utilizing the app. When looking at the app it shows that specific transfers cost a certain percentage fee to transfer money from Square to my bank account. But, the option that I use which is 1 to 2 business days does not state that there is a fee to utilize this transfer process. When I contacted Square customer service today to ask about the miscellaneous fees that Ive been charged over the month and a half they could not give me a response on why I was being charged these fees nor did they disclose these fees to begin with. When transfers are completed same day to your bank account there it states on the app there is a 1.5 % transfer fee. So why am I being charged a fee when I elect to do the 1 to 2 business days transfer? And the fee is more than the same-day transfer. According to the app when looking at it there is no fee for 1 to 2 business day transfers yet Square has been charging me for each transaction 2.9 %. Square has also blocked me from being able to contact their customer service for up to a week because they said that I was disgruntle. How can you fault a customer for questioning their money?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 paid off a {$6300.00} balance with my XXXX XXXX Visa on XX/XX/XXXX. Payment and correct status are shown on all statements since, and XXXX XXXX XXXX XXXX will verify the correct balance if telephoned or accessed via bank website. However, XXXX XXXX XXXX XXXX continues to report to Trans Union the {$6300.00} balance as current. I have filed five ( 5 ) disputes with Trans Union on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct this error. Each time I received an email reply stating, The disputed item has been verified, Balance is {$6300.00}. The Bank contended on XX/XX/XXXX, that they will continue to report the balance to Trans Union as unpaid as long as I continue to dispute the error. All other credit bureaus are reporting correctly. Ive never heard of such a thing as this ; the intransigence of both parties defies logic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent in several certified letters for validation of debt due to erroneous mistakes. The balance is incorrect, name, etc. It has yet to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
We had a car loan with XXXX XXXX XXXX XXXX. The vehicle was sold to XXXX XXXX XXXX XXXX in XXXX XXXX, WI. The title was sent by XXXX XXXX to XXXX XXXX XXXX XXXX to the satisfaction of XXXX XXXX. 

This debt still remains on our Experian credit report. When attempting to dispute it, the first time was immediately after we sold the vehicle, Experian rejected the dispute. Now two years later, we are trying to have this removed from our credit report and Experian website refuses to process the dispute stating they only have to investigate once which was immediately after the vehicle was sold.

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 2021-05-14
Company: Experian Information Solutions Inc.
State: SC
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:
There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau

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 2017-03-14
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on  XXXX / XXXX /  XXXX  . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My mortgage with XXXX XXXX XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old 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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted XXXX and TransUnion, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX makes this claim that a nationally recognized collection agency known as XXXX XXXX is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my Experian credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. XXXX XXXX has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. XXXX XXXX is in violation of their subscriber agreement with Experian, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by Experian and if documentation proves my position, a complete disassociation with 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 2020-02-28
Company: Experian Information Solutions Inc.
State: KS
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:
My mortgage with XXXX aka XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old 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 2018-06-01
Company: Shellpoint Partners, LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2018, we received a " Notice of Sheriff Sale '' from : Attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, IN XXXX. He is fully aware of the procedural posture of the case involving this property which is currently on appeal to the United States Court of Appeals for the XXXXXXXX Circuit, XXXX XXXX XXXX, et al., v. XXXX XXXX XXXX, No. XXXX. He is also aware of U.S. District Court, XXXX District of Indiana, Chief Judge XXXX 's statement on the record with regard to staying any effort to hold a Sheriff sale pending the litigation of this case, briefing has begun. XXXX XXXX 's racial bias is a subject of this appeal. An appeal we note neither he or his firm have entered an appearance, or filed any motion seeking to hold a sheriff sale pending the outcome of the appeal. This litigation involves a claim that XXXX XXXX XXXX violated the Equal Credit Opportunity Act after we sought to assume the mortgage on this property, which after Attorney XXXX discovered we are XXXX, hindered our efforts to obtain the assumption. This latest effort by Attorney XXXX also violates the Fair Debt Collection Practices Act by threatening a Sheriff sale forcing us to pay a debt we do not owe ( and which we have been trying to assume ) before litigation, on appeal is concluded. He and his client XXXX XXXX XXXX, are attempting to deny our access to the court to litigate this matter by threatening a Sheriff sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.

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 2020-11-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. 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 explanation
Consumer complaint received 2020-02-28
Company: Diversified Consultants, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX makes this claim that a nationally recognized collection agency known as Diversified Consultants is trying to collect on a debt from a public utility company known as XXXX, knowing that the legal timeline to enforce any collection on said debt ( s ) have passed a long time ago. However, after several written disputes this collection agency states that the collections will be removed from my XXXX   credit report XX/XX/2023. This proves that at the very least the legal timeline for enforcement has passed, but I want to state for the record that this collection is over seven years old. Diversified Consultants has re-aged these debts to fit into the 7-year timeline of obsolete information. Another part of my argument is that public utilities can not directly report on credit bureaus, as they are regulated through public service commissions on a state level, and not part of any federally regulated entity such as a national bank, thus the Fair Credit Reporting Act does not apply, and my rights are hereby violated under the Fair Debt Collection Practices Act. Diversified Consultants is in violation of their subscriber agreement with XXXX, knowingly posting unenforceable collections on a consumers credit bureau well past the legitimate timeline for reporting. I ask for a full reinvestigation by XXXX  and if documentation proves my position, a complete disassociation with Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: YSA ARM LLC DBA Oxygen XL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Oxygen Recovery Group and company name XXXX XXXX and reporting false information on my credit report. XXXX  is does not have a system where i can upload my documents ( successfully ) to prove to them this is identity theft. XXXX XXXX falsified my signature ( i have prove they used one of their employees to sign ) and illegally used my social security number to obtain a new business account. They irresponsibly put this information on my credit report and they are not answering me when i try to show them prove that someone from their company falsified my information including signature ( my signature is very different from the one they used, i have different IDs with my real signature. XXXX  is not doing a good job at verifying this and they are just damaging my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.

Company response to consumer: Closed with non-monetary relief