BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a joint owner of this lease account, equally responsible for timely payments. I reside at a different address than the XXXX owner I signed for, and I requested paper statements and notices be sent to my address. No paper statements have ever been sent to my address, and resulted in a XXXX payment not being applied and marked on my credit as late in XX/XX/2022. I have disputed this with BMW Financial and was dismissed by their credit review department. Representative confirmed that I never consented to electronic statement ; however, they said that they were not obligated to send me statements as the XXXX owner opted to receive statements electronically. again we live in different household and my pre-requisite for co-signing this lease was to receive full statements and notices every month. they failed to do so and denied me the opportunity to monitor good standing of this account. 
ideal resolution to this problem is for BMW Financial to acknowledge their mistake and erase the late payment of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-06-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I began a loan with Credit Acceptance, at that time i had a stable job and was able to afford the payments which were {$280.00} a month, I was paid bi-weekly, which made my payments {$140.00} every two weeks, I then began a new job that paid more so at times I was able to pay extra.Fast forward to XXXX, I found out I was expecting and through out that time I experienced some complications that prevented me to be able to work at that time. XXXX rolled around, after welcoming my new addition I was the sole caregiver and still was not able to work payments were made when I was able to. XXXX I still was not able to work, I did not end up going back to work until XX/XX/XXXX, It was a part time job just to get through my first year of college I did make payments when I was able to. In In XXXX of XXXX, My family and I went on vacation XXXX  and XXXX minutes away, with that being said my son who wasn't even two at the time was with me, how this place knew where I was located at this time I have no idea.The morning of XX/XX/XXXX I woke up to go get something out of my car only to find out my car was nowhere in sight, my first thought was my car had been stolen, no it was repossessed so I automatically called said company the lady I spoke to told me that there was no order on my car. And i asked how in the world I was supposed to get home from where I was long story short I had to pay {$900.00} and some change to get my car backXXXX XXXX XXXX, I finally secured a good decent paying job as it has allowed me to be able to set up auto-payments with said company. Even when I make payments they still call me to make payments when it automatically comes out of my bank account every other friday. I also recently tried to trade my car in my paperwork I currently have it states that if i wanted to sale or trade in my car i had to have their permission I called and was told I do not have to have their permission that it was up to the dealer if they wanted to buy it.I was then told that my payoff was {$3100.00} one day and then i called back a different day and was told i only owed {$2900.00} they are also saying that Im 120 days late with payments which i am not i have been making payments when I asked about that i was told i was 586 days behind on payments dating back to XXXX which I find that not to be fair when i have been making payments and almost have the car paid off. My payments now are {$190.00} every two weeks.

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 2023-09-11
Company: FirstPoint Collection Resources
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I dispuited several charges on this card for merchandise that was purchased but returned to the merchant proper documentation was provided to Apple card showing the merchandise was returned to the merchant. I was told on Thursday XX/XX/XXXX that the dispuites were all ruled in my favor and I would be getting credit for them. I was to recive an e mail from Apple card spport. But never did. The charges are as follows. 

{$290.00} tracking was sent via e mail to them. I called in again on XX/XX/XXXX and reopened the dispuite. were delivered to the Customer on XX/XX/2023, and the Customer has not provided the Merchant with the returned tracking information. As a result, the Bank reversed the temporary credits. The Bank sent the Customer emails detailing the dispute outcome. The transaction with the Merchant Home Depot in the amount of {$110.00} again tracking provided to Apple card support and as of XX/XX/XXXX was told that this was ruled in my favor. {$340.00}, {$78.00}, {$35.00}, and XXXX I will not pay for merchandise that I returned to the merchant if appleccard refuses to get this matter resolved I will be forced to get a lawyer. This is nonsense they don't know what they are doing. All information was provided to apple card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: HYUNDAI CAPITAL AMERICA
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: Was not notified of investigation status or results

Complaint:
I submitted written disputes to both XXXX & XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding Kia Motor Finance account # XXXX in the amount of {$2800.00}. Kia Motor Finance is showing charged off with a balance of {$2800.00}. This is inaccurate. Kia Motor Finance has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with Kia regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The following inquiries were found on my consumer report and do not belong to me : XXXX XX/XX/XXXX My account started on XX/XX/XXXX as shown on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-06-29
Company: RockLoans Holdings LLC
State: TX
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
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:
Closed and paid in full by early XX/XX/386 Toyota Financial I have a XXXX account balance and the title of the vehicle they sent after I was paid off at the beginning of the month to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was a victim of fraud worth {$7600.00} through cashapp. 

I contacted my bank and they instantly disputed the transaction and processed a chargeback. 

On XX/XX/XXXX cashapp claimed they reversed the charge and sent it back to my debit card. 

I did not see the reversal and called my bank, my banks also did not see funds cashapp claimed to return. 

Based off the emails cashapp has sent to me they are claiming they issued me a refund and that I should contact my bank to receive my funds. 

Which is a total lie, they claim that they are legally required to return all funds that are disputed by the issuing card handler. 

I have all the emails and messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I started a chat with CASHAPP XXXX about losing my card and needing a new one. They had already had my new name which was legally changed years ago and created a wrong card with an old NON LEGAL name. 
During the chat they shamelessly tried to pass AI customer service as a real human and verbatim even said so. This clearly was not a human, ignored anything I asked or typed, ignored all uploaded documents and multiple clearly typed answers to questions. 

They willfully cause emotional distress and play games to toy with their users and no matter how much I asked for a manager a real person or an escalation it never happened. 
all proof attached YOU CAN NOT LIE AND PASS AI AS HUMAN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving automated text and calls, then I received a letter dated XX/XX/XXXX, that state they are attempting to collect a debt that I owed to XXXX XXXX that has been sold to XXXX XXXX XXXX for {$2200.00} as of XX/XX/XXXX. I contacted XXXX who stated they have no accounts for me, only a XXXX balance from XXXX. XXXX stated they only use XXXX XXXX XXXX XXXX for collections and the letter I received XXXX be a scam. The acct numbers they reference is XXXX acct XXXX and original credit ref # XXXX with date of service XX/XX/XXXX. I have never received any correspondence from XXXX regarding any medical debt, my calendar doesn't show any services received that date and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received written correspondence regarding an alleged bill from XXXX XXXX XXXX via the debt collector Transworld Systems Inc. I have reached out to all of my medical providers regarding outstanding debt and have none on my record. I have not had any affect to my credit score as of yet, however I am concerned how this may potentially affect my credit, as my bill went from {$80.00} to {$300.00} in XXXX weeks. I have received XXXX letters in the mail with exorbitant interest rates on a bill that can not be traced back to any actual physician 's office. The bill in the mail looks legitimate, however when I tried to look up both companies online, I couldn't find any websites to support the legitimacy of these companies. The bills give me a space at the bottom to give credit card information and says if I just pay my bill, they will stop sending me letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Affirm Holdings, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2023, I received a notification email from XXXX XXXX XXXX XXXX, my banking institution, informing me that my Zelle account had been deactivated. Promptly, I reached out to XXXX XXXX 's customer service for clarification, only to be informed that Zelle, as a third-party service, was solely responsible for the deactivation. Regrettably, XXXX XXXX was unable to provide any further details or assistance, directing me to contact Zelle directly. Despite my efforts to reach out, I have been unsuccessful in connecting with a Zelle representative, which has resulted in significant frustration. The lack of a proper and transparent process, along with the absence of an explanation for this sudden occurrence, only adds to the dissatisfaction experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: NCB Management Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never agreed to any debt collection with the company. No proof debt this is ruining my life for getting housing. NCB has no proof of my signature for agreeing to debt now their system has been breeched and my personal information was attacked. This account should be removed does not comply with fair consumer reporting act. Purchasing a consumer debt and placing it on their report without knowledge of the account is against the law. I have never did business with this company. They will need to validate this debt by showing proof of my ID and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an unauthorized XXXX transaction on my Capital One account for {$1000.00} on XX/XX/XXXX. I provided proof that my phone was hacked and compromised on XX/XX/XXXX. Capital One denied my dispute stating that the payment was sent through a trusted device ( yes, I stated that when I said my phone was compromised and sent them proof ). They also claimed touch ID or face ID was used to make the payment which is a complete lie. I do not have Face ID installed on my phone nor touch ID. I did not make this transaction and they will not protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: GUARANTEED RATE INC.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have applied for a home loan through Guaranteed Rate for a new home loan. I was pre approved very easy. Now that it comes time to actually get the loan I am being asked for all financial information, banking, credit, all card statements, divorce degree that is 17 years old, paperwork on a RV that I must sell, monthly pay stubs, as well now being asked to confirm with a 3rd party for credit cards that I have already sent in statements for. I have been asked to provide more information for this home loan than for anything else that I ever applied for including another home loan. I have required to provide statements for a employer that has been waiting for us to get moved up to Alaska for 2 months now even though there is a employment acceptance letter. I have been told that without the XXXXrd party credit placed being able to verify my balance I will not be approved and if we don't get a signed letter from the new employer that we will be denied loan. I have paid over {$2000.00} out of pocket so far to get a home inspection, and a appraisal done. Once one is thing is done more is being required and we are told it is FHA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Unauthorized/unsolicited Hard Inquiries from XXXX Credit Report XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CREDIT ACCEPT CORP/CAC XXXX XXXX XX/XX/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 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

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