BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$550.00}

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 explanation
Consumer complaint received 2023-02-22
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-23
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly. 
On XX/XX/XXXX, I received an alert from XXXX  XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!! 
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections. 
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill. 
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE! 
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case. 
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence. 
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Santander Bank formerly XXXX has falsely reported to all the credit agencies wrong. THey reacted to a former complaint of mine and vehemently disagreed. However they changed their information on the XXXX credit bureaus three different times late on three different statements. I was never late. SO here it is in order 1 ) ON XXXX/XXXX/XXXX I contested that they reported wrong on my report ( attached ) that in XXXX and XXXX of XXXX I was not late. I enclosed statements that proved I was n't late. Now to XXXX attached that is what they showed. 
2 ) On XXXX XXXX XXXX I got a letter back from Santander saying indeed I was late. 
3 ) On my XXXX report Santander now has switched the late months to XXXX XXXX and XXXX of XXXX and now show XXXX and XXXX which I had contested before as paid. 
4 ) On another credit reporting service XXXX Santander at another time showed not late any payments.

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 2022-05-27
Company: WESBANCO BANK, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The account balance was low as a very, very costly subscription that was intended to be canceled renewed a day early and immediately overdrafted my account. With no alert, I proceeded to make several purchases. I at no point agreed to the overdraft protection or was made aware of it. So when my small purchases of gas, a few things at the grocery store, XXXX and with all the money budgeted ( Im old school and rarely looked at the online portal. By the time my paycheck arrived - at which point my account would be well in the positive range as everything I did was budgeted- the account had accrued such a massive negative balance ( something like {$70.00} overdraft fee ) then {$35.00} reporting fee, plus {$20.00} for every day the account balance was negative. Even with my paycheck the account was at- {$500.00} and accruing more debt daily that I could not pay. I scrambled to freeze my debit card and cancel all subscriptions but a subscription linked to the debit card which was at this point frozen still charged multiple days after I froze it, causing another {$100.00} overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Please see attached documents as it has my identification and complaint

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 2016-01-21
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have opened case XXXX with the XXXX in regard to Calvary Portfolio Services and their failings to comply with FDCPA guidelines. I raised a case with the XXXX after Calvary Portfolio services failed to answer my certified mailing for debt validation as prescribed under the FDCPA guidelines. I have sent written correspondence and also raised XXXX case, but this company is still reporting unverifiable inaccurate information. They initally stated that they did not get correspondence from me and only after providing my certified mail number did the state that they did send validation, which I never received. I would like to escalate this case and have legal action taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I filed a complaint against Equifax case # XXXX regarding XXXX XXXX acct XXXX XXXX that is on my credit report. Just take a look at the documents I have attached from both Equifax and XXXX. None of their reporting is accurate and dont even match! This is unacceptable! This is where you can tell there was NO INVESTIGATION! I should get legal representation because According to Equifax response as I am quoting Please be advised that an internal review was completed and results were mailed to you. We hope this resolves your concerns. I never received any results or any response about the accuracy of the XXXX XXXX acct or investigation and steps that were taken to verify this acct! XXXX XXXX Another violation based on the last reported date on this XXXX XXXX # XXXX the last reported date of activity was back on XX/XX/XXXX I live in the state of Florida and XXXX statue of limitations is 5 years! This acct is well over 7 years. There is no date of delinquency, pass due XXXX reported XXXX This is a clear violation/s. Its been over 35 days and no response either by mail or phone calls from either party this includes XXXX XXXX, Equifax, XXXX or third party collections! Please provide detail results of how the investigation was conducted by whom and supporting documents that this account is accurate! If not please delete this acct from my Equifax and XXXX Credit Report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Certified Recovery Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} EQUIFAX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} TransUnion : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}

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 2015-06-30
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: VA
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:
Several violations by XXXX XXXX and the XXXX major Credit reporting agencies has taken place. 

15 USC 1681 ( a ) ( 4 ) consumer right to privacy. Why are my so called " late payments '' being reporting and personal information such as involuntary repossession. 
15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and a company. 
I was not given the a chance to direct the information whether I wanted the information about a transaction to be reported or not as referenced in the the Gramm Leach Bliley Act.

15 USC 1681a ( 2 ) ( B ) 15 USC 1681 ( q ) ( 3 ) Identity theft definition similar to REG V 12 CFR 1022.3 fraud is committed or attempted using the identifying information of another person without authority. 
Why is this information being reported and why if the account is closed has an updated been added since the closure of this account? No authorization has been given to XXXX XXXX nor any of the Credit Reporting Agencies to share, obtain, give out my personal information. 
All accounts are to be removed immediately. 
Violations carry a fine of {$1000.00} per violation

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 2020-10-01
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: Investigation took more than 30 days

Complaint:
I am so stressed that transunion reports false information on my credit report. They are failing to act and respond. they are breaking the law

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 2016-12-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I am a customer of Wells Fargo. I had XXXX accounts with them. I opened a second checking account with them when I found it would work better for my family. When moved over to that account, I was suddenly hit with a ton of overdraft charges in the other account. I wrote an e-mail to them, and the account was closed. I thought that was the end of business with that account because it was all fees that over-drafted the account. So, I moved money to my savings account the other day. It was automatically taken out to pay for the other account. I never received any documentation saying I owed them money, and I counted on that money in the saving account to pay my property taxes. I just think closing that account and not telling me that I still owed them money was wrong. I have legal insurance and will seek help from an attorney. They should have at least sent me a bill. What they did was wrong and unthinkable. As I said, a simple bill would have sufficed. I will try to move all of my accounts from that bank. I thought they were over the bad practices, and I was wrong.

Company response to consumer: Closed with monetary relief