BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: BMW Financial Services NA, LLC
State: NE
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 complaint is against BMW FIANANCIAL SERVICES NA LLC Account # XXXX. Back on XX/XX/2019 I sent the mentioned company a letter to investigate a 30-day late payment that occurred back on XX/XX/2019. I my make payments through XXXX XXXX, XXXX. XXXX XXXX, XXXX states that the payment initiate in XX/XX/XXXX and received by BMW. I sent BMW my dispute letter, the letter from XXXX XXXX XXXX with details of transaction, I sent BMW every proof they asked me to send them and they still havent removed the negative mark, knowing that it was their negligence. This is my last resource to try and reason BMW that this was not my fault. If my negative mark is not removed from all 3 reports, I will take this to a federal court for negligence, unfair business practice, breach of contract, never received any type of indication I was going to be late and when I seat down with my lawyers the violations will just multiply. This has me emotionally stressed, mentally absorbed this company is financially torturing me in every aspect. Im attaching all documentation I sent them and you can also contact XXXX XXXX, XXXX so if BMW has to contact them for whatever reason they will be able to respond to any questions. I request a deletion letter once this error is taken care, so I can provide to my mortgage company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: PlusFour, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a debt that accidentally went to collections in the amount of {$50.00}. The dispute was listed on my credit and that's the first I was notified, so I paid it with the healthcare provider immediately. Unknowingly, this did not get reported to the debt collection agency, Plus Four Inc. Upon finding this out, I reached out to them directly and they attempted to collect my " debt '' again in the amount of {$50.00}. So now I have paid the debt twice, when I called to remove the second charge with proof I paid it the first time, the employees at plus four refused to work with me. They began hanging up the phone, ignoring my phone calls, leaving me on hold for hours with no intention of answering the phone, refusing to allow me to speak to a supervisor claiming there were none there and REFUSING to admit payment had been made despite correspondence multiple times over multiple days from XXXX XXXX XXXX. I reached out to XXXX XXXX numerous times until I reached a supervisor and she called directly for me. Still, plus four is refusing to remove the debt and it keeps escalating each month as if it has been unpaid, despite being paid twice. They refuse to simply reach out to XXXX XXXX to show that the amount has been paid and will only accept payment proof in person and/or standard mail. I have been treated like I am a criminal over {$50.00} I was unaware of, paid immediately and then paid immediately again to resolve the issue. This company does not want people to resolve their debt and they will seemingly do ANYTHING to not allow people to resolve their issues with them. Ignoring phone calls and hanging up on people is a violation of the Fair Debt Collection Agencies Act, as I have the right to speak to them when necessary and they are preventing me from resolving my issue ... Literally. It is also a violation to force or coerce people into paying a debt, whereas they knowingly took payment for a debt that was already collected all whilst refusing that they received notification of payment, which they have three times now. They should be shut down or thouroghly investigated for their practices and the way that they have taken it upon themselves to treat people who are good citizens TRYING to do the right thing.

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 2018-03-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector reported a debt to the 3 credit agencies on my behalf on a debt I never received mail or even knew I have because all my medical bills are paid through insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY. 

THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. 

Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
From XX/XX/XXXX until XX/XX/XXXX I was unknowingly being subjected to a {$19.00} monthly charge that I was deceptively enrolled into. I did not use the service at all in this time ( my only logon was today when I searched for how to cancel my account ). this is consistent with the deceptive behavior TransUnion has already been found responsible for : " In their advertising, TransUnion and XXXX   falsely claimed that their credit scores and credit-related products were free. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. ''

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 monetary relief
Consumer complaint received 2017-04-11
Company: Coastal Financial Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Riverwalk Financial Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I 'm former student of XXXX college XXXX XXXX CA XXXX. After this campus closer they have handover lender to collect XXXX loans to one lending company XXXX amount of {$3300.00}. And I have start to paying my outstanding amount with them in monthly basis. And in the meantime another lending company Deville Asset management reached to to my credit reports and they do the collection in my XXXX credits. 
I spoke to them and they promise to remove my collection from my credit reports. But nothing happened yet. I have reported to XXXX and still under investigation. I need to take out my collection from my credit report and increase my credits score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent in my complaints to Transunion and XXXX and XXXX about wrong things on my credit report back in XXXX. They have not taken those things off and have not even responded to me. It has been past 30 days! 
Wrong Address Wrong Name Wrong Jobs Wrong Previous jobs Wrong Previous Addresses Charge offs Late Payments Inquiries

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 2019-11-19
Company: STATE FARM BANK, FSB
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This bank has discriminated against me first I receive a letter they need to verify my identity I send the documents to XXXX XXXX and by mail I call them and let them know if they got it they said yes then I get transferred to different department and a man which I spoke to was very rude To me and said its declined due to bank policy I said I dont understand its me Ive sent the documents as requested whats going on he refused to Help me and hung up on me very rude bank and very rude security department

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off a Macy 's credit card completely and totally in full. I contacted the company to close the account. I have since then been harassed by this company for charges that were assessed AFTER THE CARD WAS CLOSED. They continue to assess what they call late fees, service charges, and so on. I was told in XX/XX/XXXX that the account was closed and these charges were waived because they were not legitimate. I received written confirmation that the account was closed. The company continues to send me bills and call me. This is not acceptable.

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 2019-12-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have paid off my Wells Fargo credit card over four times since XX/XX/2019. In total Ive paid them over {$66000.00} in these 8 months. I have over a quarter million in savings with Wells Fargo yet they wont increase my credit card limit. I contacted Wells Fargo XXXX and was told they would get back to me by XX/XX/XXXX with resolution. They have yet to contact 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 2017-04-17
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have several cards that have expired in XX/XX/2016 with value left on them. I spoke with citprepaid at XXXX and asked for the money to be reissued onto a new card or have a check issued. They explained once card has expired, they are unable to touch the funds. The agent said her hands were tied and I would not be able to access the $ amount.

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone attempted to open a XXXX XXXX Credit Card using my identity on XX/XX/XXXX, 2016. When I got an alert, I called XXXX and the application was deleted. The hard inquiry on my credit report, however, remains. I have informed TransUnion that this is in error due to identity theft and I never authorized the application. TransUnion told me I needed a " Delete '' letter from XXXX. XXXX told me that they have no record of the application and can not issue a " delete '' letter. TransUnion has told me that, without that letter, they will not remove the inquiry.

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 2019-12-18
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a letter to Transunion disputing an account that does not belong to me. In the same letter, I asked Transunion to include information about the investigation, including the contact information of the data furnisher of the inaccurate information. 

On XX/XX/XXXX, Transunion sent a response stating they concluded the investigation, and the information was verified as accurate. The letter also said it would include a " Summary '' regarding the steps conducted in the investigation. However, upon reviewing the letter, there is no summary at all. There is no summary of the steps of the investigation. There is no data furnisher. The only proof I received were the words " verified as accurate ''. 

On XX/XX/2019, I submitted a complaint to CFPB about their process ( ID # XXXX ). Transunion responded to my CFPB complaint stating " We received your CFPB and in response have initiated an investigation into the account XXXX XXXX XXXX XXXX. # XXXX. They will verify the accuracy of the item ( s ) and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. '' On their next correspondence dated XX/XX/2019, Transunion re-sends an identical letter as the first one rec 'd XX/XX/XXXX. It simply states " verified '', and their is no information from the company, there is no proof this account exists. I can not verify this account. 

Transunion did not conduct a proper investigation, they are incorrectly reporting this account which does not exist.

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 2021-12-14
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ths is not mine i am tired of explainng this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
About XXXX months ago I discovered a collection account on my credit. My credit score which was XXXX XXXX XXXX on all XXXX bureaus dropped to the mid XXXX 's. I disputed the unknown collection account with all XXXX bureaus and was told that the account was verified as belonging to me!!! I have contacted the collection agency XXXX times by certified mall and I have yet to get a response from them or for them to remove the account. I was never notified or questioned about the account before it was placed on my credit. I do n't even know what it is for all I know is that it is not mine and it was not originated by me. 

Caine & Weiner Acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Trident Asset Management, L.L.C.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Negative Report Trident Asset Mngt ( XXXX  ) {$260.00} Opened : XX/XX/XXXX Purges : XX/XX/XXXX I never opened an account with XXXX. I have contacted this collection four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and disputed the account with all credit agencies, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. I am sick and tired of dealing with this inaccuracy. All I requested was physical proof which I know is the law per section 609 of the FCRA.

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 2017-04-21
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On  X/X/17    I was approved by  XXXX   XXXX  to refinance my first mortgage with them. It was just a straight refinance of my balance. I have a second mortgage held by  XXXX .  XXXX  faxed them the subordination paperwork on  X/X/17    and several days later they told  XXXX  that  XXXX  of the forms were not legiable.  XXXX  re-sent the forms again and a few days later, the got the same response.  XXXX  also sent the forms via email and they claimed they could n't read the email. I along with  XXXX  have contacte d Ditect n umerous times and they keep giving the same response about not being able to read the forms nor the email. I have lost count how many times  XXXX  has faxed or emailed them the forms with the same response. I called Ditech on  X/XX/17    and asked to speak with a supervisor and they claimed one was not available and they would call me back. As of  X/XX/17    no one has contacted me. I called them on  X/XX/17    and asked to speak with someone in the subordination department and they are telling me that they have no phones there and the only way to contact them is by fax. This fiasco had been going on for over a month and I am sure that Ditech is just giving me the runaround and hope I just go away. This refinance is a HARP refinance and according to  XXXX  they have never had a problem getting the subordination done by any other companies. I really need help with getting this done before I lose my low interest rate.

Company response to consumer: Closed with explanation