BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the Experian to say otherwise needs to be reported. In addition, I 've found that XXXX has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using XXXX as a source!

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2019 I was alerted by my credit monitoring service, XXXX XXXX, that a hard inquiry was made on my credit report. Considering I hadn't applied for any loan applications I suspected fraud. The company listed for the hard inquiry was XXXX XXXX   XXXX. I contacted them and they told me they were used by a 3rd party, XXXX XXXX XXXX, a lending company based on South Carolina. I attempted to contact the company to no avail. The inquiry appeared with XXXX and Transunion. I called both bureaus and told them about the incident. They both told me that to dispute the inquiry I had to get verification from the lending company as well as other supporting documentation. The issue is the lending company has yet to contact me back and I fear that something fraudulent is going on.

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 2021-11-29
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I have been a BMW customer for over XXXX  years with no late or missed payments. I was in the process of leasing my XXXX bmw and each time more expensive. This payment was agreed to be XXXX with the agreed terms that I will return the current lease and all lease end charges for that car will be negated since I am leasing a new 2021 car from them that is more expensive than the one I am returning. They agreed that this deal was fair. I signed the paperwork and I was on my way. 

A few months later I get a statement for {$1000.00} dollars for the car I have returned and was told that I must pay this lease end payment. This was completely incorrect and not the deal that was made with BMW when I signed a new car lease. After multiple back and forth with them they decided to proceed with harassing me to pay this lease end payment. When I asked for paper proof of the statement they sent me a letter ( attached below ) and the amount was for {$680.00} dollars. Once again their financial services account says {$1000.00} and the paper statement from bmw financial services says {$680.00}. They are sending misinformation and providing me different amounts to pay. I am worried about my future and my credit score/report. I have always paid my bills and do pay my bills on time. I have never missed a payment to BMW financial services or any other credit card company. They are trying to XXXX my reputation as a good citizen and paying my bills. Please assist me in removing this from my report. I do not deserve this as a customer and as a citizen of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: White Jacobs & Associates
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I joined this company under the guise they would be able to fix my credit. XXXX XXXX enrolled me. I noticed shortly after joining their credit repair services, my credit began to drop drastically. I did not have a portal to check on my progress, I did not get updated from my representative, and I wasn't getting any creditor response letters regarding any disputes. 

My credit began to drop so much that I ended up paying my outstanding collection balances. Only then did my score show improvement. I called around regarding cancelling the program and not paying any additional fees on the payment plan. 

I could not get in touch with XXXX XXXX or anyone else. I finally reached a lady, XXXX, the Director of Client Services, who stated that XXXX XXXX quit and was no longer with the company. I was emailing a ghost. I got transferred to new representative who said it was past the 7 day rescission period and I would be responsible for the remainder payments regardless if I quit. I told him to cancel the program they were ruining my credit and opening fruitless disputes. 

Long story short. I have paid this company countless money for nothing but credit ruin. I had to address my credit myself by paying it off to begin seeing results. I don't owe them another dime as I have lost enough money and credit with them. I want any remainder payments waived as the services rendered to me were absolutely horrible and unproffesional.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: VA
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:
Hi CFPB, For XXXX XXXX XXXX XXXX my account is current and I am paying on time. could you please remove delinquency reported in XXXX, XXXX and Experian credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation

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 2020-01-13
Company: Pendleton Capital Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting private calls from this company for about a month.They leave prerecorded messages stating a file has been placed on there desk if I dont call back by close of business they are going to take legal action. The 1st call today XX/XX/20 was around XXXX or XXXX, the 2nd call was around XXXX. I auto dialed them back advised the rep that I spoke to a rep last week told them to stop calling my cell number contact me by mail. The lady stated they have not called me I advised her you call everyday and leave messages dont call me again. I asked for her name and number she said XXXX at ext XXXX. XXXX. She gave me her last name I was too heated to write it down. I advised her I was going to report the company. She said you owe a debt, she called me a name, I hung up. She called right back at XXXX I answered what, she said you are stupid. I said it takes one too know one and hung up. The name from the number she called back on says XXXX XXXX That was unnecessary and harrassment, not to mention very unprofessional. I know there are laws against this, ( 3 ) calls from the same company less than an hour,  threathening messages, and harrassment. She needs to lose her job and the company needs to be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Sir , Wells Fargo  Bank in  XXXX  recieved until  XXXX  from  XXXX   XXXX   .  (  XXXX   XXXX  ) I asked  Wells Fargo Bank via  Email for acces to my Money.  XXXX   XXXX   from  Wells Fargo Bank gave  me not any Information how i can get acces to my Money.please note i have not account wit h Wells Fargo Bank but   they have taken over Money yet.      XXXX .    Wells Fargo  Bank  XXXX   XXXX   XXXX  Ga  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 2022-02-21
Company: EQUIFAX, INC.
State: CA
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 am submitting this complaint again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting EQUIFAX and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. 
It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 
I was never late ( XX/XX/2021 ). Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
ON XX/XX/XXXX I summited factual dispute to the three credit bureaus about inaccuracies with the following accounts and pointed out the violations on my credit report. 

XXXX XXXX # XXXX account is being reported as charge off from XX/XX/XXXX until XX/XX/XXXX. Reporting charge off even after account was paid and closed. 

XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations. 

XXXX XXXX  XXXX # XXXX this account is reporting on my credit report beyond the statue of Limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX I contacted Wells Fargo to inquire about the bank 's policies surrounding recasting my private student loan. After being bounced through several different departments because they were entirely unaware of what the word " recast '' means - I had to call back and escalate the call to XXXX XXXX in the Consolidation Dept. This was after being hung up on by a gentleman named XXXX who pretended he couldn't hear the incoming call. Wells Fargo is already notorious for having an outrageous recast minimum of XXXX on their mortgages while most banks are XXXX. I've used recasting in past years to pay down considerable student loan debt when I was with XXXX XXXX. Today I was simply trying to get information regarding fees, number of times I can recast and minimum - however I can't seem to talk to anybody at Wells Fargo that understands the word. It isn't in my loan documents anywhere - for better or worse - which leads me to believe that Wells Fargo is not in compliance with TILA / Regulation Z - they should have disclosed any and all terms and fees to me within that document or at the time of borrowing. Only after mentioning CFPB to XXXX, I was told that the call would need to be transferred to the Executive Office. I read this complaint on a recorded line to XXXX for accuracy. 

Was escalated to 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 2022-02-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that I need to be removed. The inquiries to be removed are listed below : XXXX XXXX - XX/XX/2022 XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hello. 
I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.

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 2021-04-22
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously disputed a tradeline held by the collection agency XXXX XXXX XXXX for the creditor XXXX  in the amount of {$300.00} on my XXXX report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX account was transferred to Waypoint Resource Group who reported the same XXXX XXXX XXXX collection account for {$300.00} on my XXXX report, which I disputed. However, XXXX refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. On XX/XX/XXXX, I disputed this matter with Waypoint and provided them with a copy of an email in which XXXX states that I am " not responsible for any early termination fees and [ my ] account has been zeroed out. '' XXXX has refused to disclose what they claim this debt is for. Pursuant to 15 U.S.C. 1681i of the FCRA, XXXX, Waypoint, and XXXX are required to immediately remove the negative tradeline or face civil liability for willful noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words.

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 2017-07-19
Company: Credit Solutions, LLC (KY)
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have voicemail from an automated system on XX/XX/XXXX and advised them not to contact me at my place of business and they did the next day. i called them back advised them again to not contact and again i was advised the number is removed again and it may take 24 hours. again today i received another call from them and spoke with the supervisor, who said they have removed the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report in XXXX 2016, and noticed a collection account from IC Systems in the amount of XXXX, I have since found out that they are stating I owe for XXXX, I explained to them that I have never had an XXXX account and would like it removed from my credit report, I was never contacted by anyone in regards to this supposed account, and since the request I have not heard anything either. I have sent XXXX letters as well as emailed the company directly with no response.

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