BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: BMW Financial Services NA, LLC
State: NJ
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 shocked to learn that BMW reported me as late on my credit. I leased a vehicle from BMW at the end of XXXX. 
The initial two payments were made at the dealership, and the first payment was due XX/XX/XXXX as I later found out. However, I didn't receive a billing statement for the month of XXXX, or XXXX I wasnt aware of the payment due date and thus made the payment 2 days late. Had I received the billing in a timely manner this wouldnt be an issue. 
Please correct the negative reporting as BMW failed to send me the initial statement in a timely manner. 
Over the years, I have leased several vehicles with BMW and have never been late. 
The failure to send a billing statement in a timely manner is the reason why the payment was made 2 days late. Please correct the negative reporting as this is impacting my mortgage process. I stand to lose my down-payment of XXXX if I can not obtain a mortgage, which resulted in XXXX point drop on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. 
On the above dates I have submitted dispute to Experian in regards to an bankruptcy on my credit report. I submitted documentation from XXXX XXXX to Experian because its stated they verify my information with XXXX XXXX. I even inform Experian that its illegal For them to contact a third-party regarding someones personal information. Experian is supposed to do the investigation on their own. I submitted the documentations that I receive from XXXX XXXX that there is no bankruptcy on their end regarding me. Experian failed remove the bankruptcy even though I submitted documentation. I would like this to be removed off my credit report. I have been deny credit because of this reporting on my credit report. Im unable to get certain things due to this being on my credit report. And I would like this to be removed within 30 days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently sent a request for validation not verification letter to XXXX XXXX XXXX XXXX XXXX. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.

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 2023-07-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: Global Credit & Collection Corporation
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:
Since the beginning of XXXX 2015, Global Credit & Collection Corp has been leaving voice mail messages on my answer machine that they are a debt collector and I need to call them at XXXX. They have called at least XXXX times. I do not have any debt so this is either a scam or a call to a wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Credit Bureau Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every day, sometimes twice in a day.I tell them it 's a new number from XXXX and that they want the former owner of that number.They always say sorry and that it well stop.But it does n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I made the poor choice of engaging John C. Heath , Attorney at Law , PLLC. d/b/a Lexington Law Firm ( referred to now as LLF ) in a contract to remove any derogatory remarks from my reports provided by consumer reporting agencies. 

The following day, I was charged {$15.00} for a credit report which is offered to me for free both by Federal regulation directly from the source. The terms of cancellation and methods of cancellation are exceedingly vague and difficult to locate within their website, the primary platform by the customer interacts with LLF. 

On XX/XX/2019, I was charged {$100.00} for credit repair services prior to see any results. As of the time of this writing, I have not received any communication from LLF or evidence of legitimate work let alone positive results. 

The claims made on their website offer services which are impossible to offer with a broad caveat that " Lexington provides the Website for your convenience '' and " any representations, promises, recommendations or inducements that may be made by or through any party ( including vendors ) found at, on, through or from the Website. '' Evidence of their predatory practices are illustrated further in the terms and conditions of the contract, only available in full once you have already paid and engaged them in work. See : " Lexington can not guarantee and you are not paying for a particular credit report outcome or result ; you are paying only for Lexingtons efforts on your behalf. '' Further, that LLF utilizes the guise of a legitimate law firm to include the prominent featuring of various attorneys throughout their front facing and back-end websites makes a mockery of the law. The implication that you might have success in repairing your credit due to case management performed by a lawyer is deliberately misleading. 

The fact that you are only able to fully assess the terms and conditions of the contract after you have paid LLF, the claims and contents of their website and their untrue or purposefully misleading representations lead me to believe they are in violation of 12 USC sections 5531, 5536 and likely many more. 

Since I am financially stable and only out {$120.00} due to the very limited amount of 'work ' performed on my behalf, I'm taking this swindling as a good lesson learned. However, many other customers may not be so lucky. As such, I am submitting this complaint primarily to warn others who may be less financially secure or perhaps desperate for help from falling victim to LLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX   XXXX , offered my family and I a smart option loan  in 2009 that we have  been paying on since the month after we were approved for it. We have been paying on this " low interest '' loan for the last 8 years and my principal has only gone down {$350.00}. The loan was to pay off all the interest while I was in school, and then after I graduated, the payments would go towards the principal. However as I keep checking my balance, it does not go down ... I continually accrue late fees, and my consigner is harassed. He was  receiving 5-10 calls a day, stating I was not paying and he would be aff ected. However, I was on a set payment plan where the money was taken directly from my bank account every other week. The options for me to actually get this loan paid off are slim to none. The amount I 've paid in the last 8 years, every other month, equals about the principal that I borrowed in the first place, yet less than {$400.00} has come off the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: KEYCORP
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Key Bank recently took over First Niagra. On XX/XX/XXXX, I contacted Key Bank as I had n't received anything from them since the changeover. I had made a payment on XX/XX/2016 and one on XX/XX/2016. This should have taken care of XXXX and XXXX payments. I was told by the man I spoke with " XXXX '' that he could see where I had made the XXXX payments but the XXXX on XX/XX/2016 was not credited correctly to my account. He told me that it was due to the change over and he was submitting it to the correct department to have it applied correctly and it would be fixed in 2-3 days. He assured me that it was due to the changeover and my account was fine and I did n't need to worry. On XX/XX/2016, I received a statement showing I am a payment late and I owe them {$740.00} this month. I immediately called KeyBank and spoke with XXXX. I got the same answer from him that the payment had n't been credited correctly and he was submitting it to be fixed and it would be taken care of in 2-3 days. I told him that is what the last guy told me and it still is n't fixed. He said he would follow up on it and call me the following day at XXXX. I have him my cell phone number as I would be at work. At XXXX the next day, I still had n't heard from him so I called the customer service number again. He stated he had n't heard from that department yet and would call me later in the day. When I got home from work I still had n't heard from him, but there was a missed call from collections on my home phone. I called the customer service number again and was told that they were working on it. I asked for a supervisor. I could n't quite understand her name. It was either XXXX or XXXX. She gave me a reference number of XXXX to use if I needed to call back. She also gave me a documentation number of XXXX and said this was the verification that I had made the payments. She assured me that it was being worked on. Today, XX/XX/2016, I received another collection call. I immediately called KeyBank. I again got the same story. I said this need to be fixed today and asked to be transferred to the department that was working on it. I was told that they do not have the ability to transfer to " the back office ''. I asked for a supervisor and was told there was n't one available. I said I would hold until one was available, and was told that a supervisor would not be able to give me any further information than what I already have. She refused to give me a supervisor and did not give me her name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The issue reported is a wrong name spelling. My maiden name is XXXX not XXXX. My last names have been XXXX ( maiden ), XXXX, XXXX, and XXXX. I am requesting this to be fixed so I can get into a home!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have subscription accounts with both XXXX and Experian Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. Educational loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX  Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. Education Loan A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. Education Loan A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still in school. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, Experian has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.

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 2020-03-14
Company: EQUIFAX, 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:
XXXX XXXX / XXXX XXXX XXXX XXXX Account : # # # # # XXXX / Balance : {$370.00} Not my account *** Delete it immediately *** Inquiries : XXXX XXXX, XXXX XXXX Never Authorize - *** Delete it immediately ***

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: KEYCORP
State: CO
Product: Credit card
Issue: Balance transfer

Complaint:
I used a convenient check to transfer a balance to my KeyBank credit card in XXXX 2016. The check and promotion flyer indicate that the check needed to be used by XXXX/XXXX/16 to qualify for the promotion. The check was used with another provided in the amount of {$9300.00} and posted on XXXX/XXXX/16 to the account. KeyBank processed the payment in their system on XXXX/XXXX/16, resulting in them not applying the promotional APR of 0 % or the balance transfer fee of 3 %. Instead, I incurred a balance transfer fee of 4 % and have incurred a monthly APR of 11.24 % for XXXX and XXXX. I originally called on XXXX/XXXX/16, spoke with XXXX, and was told that the check had to be processed by KeyBank by XXXX/XXXX/16, not that the check had to be used by XXXX/XXXX/16. I asked for a review of my account to reconsider since their flyer states the convenience check needs to be used by XXXX/XXXX/16 and the transaction must post by XXXX/XXXX/16. I was provided a ticket number and told I would receive response within XXXX5 business days via cell phone or my mail. I placed a followup call on XXXX/XXXX/16, spoke with XXXX, and was told there was no response available and that the original supervisor who created the ticket would need to look into and call me back. I was promised a call back on XXXX/XXXX/16. I placed a second followup call on XXXX/XXXX/16, spoke with XXXX again, and was told there was still no response to the ticket. I requested that XXXX look into the issue and call me back since XXXX had not called me back after XXXX phone calls. I was told I would receive a phone call back with a status. I still have not received a call back or a response via mail. In the mean time, I have incurred fees that I believe are incorrect and should be reviewed totaling {$250.00} as follows : monthly interest in XXXX ( {$86.00} ) and XXXX XXXX {$74.00} ) along with a convenient check fee of 4 % ( XXXX ) instead of 3 % ( {$270.00} ). KeyBank is clearly not going to resolve the issue despite numerous followup calls on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
1. On the basis of CashCashcall web ad, XXXX XXXX/XXXX/2015, I filed the application online for 15 year fixed 2.75 % mortgage loan with no closing cost. 
2. Cashcall sent me the confirmation but without the rate lock. Then again changed the loan rate at 2.875 % for 15 year fixed with {$990.00} Cashcall Lender fees but again no lock-in rate. 
3. on XXXX/XXXX/2015 I talked to XXXX XXXX XXXX XXXX Cashcall and asked to match the rate & terms offered by Quicken loan i.e. 2.875 % fixed 15 year mortgage with {$170.00} lender fees. He asked me send their e-mail so that Cahcall will match XXXX Loan rate & terms. 
4. My e-mail of XXXX/XXXX/15 indicated to Cahcall that even though Cashcall Ad shows 2.75 % 15 year Mortgage with no cost, why their disclosure shows it at 2.875 % for 15 year loan with {$990.00} fee cahcall total fees. 
5. How ] ever, e-mail of XXXX/XXXX/2015 indicated that the total money required at closing would be {$140000.00} while the title company XXXX Form shows these as {$130000.00} which exclude the Cashcall fee plus the home insurance cost which would definitely be much less than {$15000.00}. I asked the loan processor XXXX XXXX XXXX to provide the detailed explanation for this difference but so far he has not provided me the detailed explanation. 
6. Cashcall e-mailed that they did approved my loan but so far failed to provide me the final commitment letter with their promised fees of only {$170.00}. They are using the delaying tactics of asking the XXXX forms of the stocks which I do n't even own now. Well, they e-mail me of XXXX or XXXX at a time asking for the same documents copies which I already gave before. Thus filing to provide the final commitment and the detailed expenses as per their oral promise and making sure that just couple of before the closing they would jack their fees extensively and forced us to p [ ay much higher expenses that their initial disclosed XXXX plus failing to match the promised quicken loan rate and terms. 
I believe that such practices are not only unethical but may be even illegal. Hence, I seek your immediate help on this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XXXX XX/XX/XXXX I reached out via online to Transunion XXXX XXXX and Transunion that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX XXXX and Transunion all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.

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