BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: BMW Financial Services NA, LLC
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and had an auto lease opened under my name on XX/XX/XXXX. I also had 6 fraudulent credit cards opened under my name since XXXX. The suspect is my mother, who I no longer have contact with. All disputes were started in XX/XX/XXXX and all the credit card companies investigated and deleted the information under my name. However, BMW Financial Services refuses to delete the fraudulent information. I have provided more than enough documentation, police report included. They advised that I have to prove to them that it was opened fraudulently. This is wrong in every matter. The burden of proof lies on them, not me. I'm claiming identity theft so how can I furnish proof that I wasn't there to sign the auto lease 4 years ago? They told me they contacted the dealership to see if anyone can " remember '' who signed the paperwork 4 years ago. When I asked what would happen if they don't remember, they told me then there is nothing they could do. BMW Financial Services have been the most difficult company and don't care about ID Theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: High Point Asset Inc
State: WI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was contacted by High Point Asset, Inc. pertaining to a pay day loan that I knew nothing about that I owed anything. XXXX asked me if I ever had a pay day loan my response was yes years ago. From there the company stared charging me fees that I had no knowledge of. I asked for the Loan company name and they would no provide me with a name. They forced me to give them my bank information with threats. I have not used a Pay Day Loan institution in over 10 years and when I was done I do n't ever remembering owing them money. I have checked my Consumer Credit Report a year ago and nothing was on there from any Pay Day loan institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : " Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.

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 2018-01-23
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had repeated, harassing phone calls on both my cell phone and home phone from a company called Rash Curtis whom I 've told repeatedly that I do not owe any debt to. 

They call from various numbers, but this one has surfaced several times : XXXX They have failed to provide me with any details whatsoever as to why they even think I owe them or any of their affiliates any money. They have never sent me anything in writing, despite numerous requests to help them sort this out. Because I have a fairly common name, I explained that they may have the wrong individual, but they consistently harass me at my home and via my cell phone. This scam company who is trying to get me to agree to wire them funds needs to be STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
On XX/XX/XXXX approx I opened a fraud complain on recommendation for cc and debt to use a credit stimulate at XXXX credit reporting on a member I could that they took off my mortgage with XXXX XXXX XXXX was gone removed membership on XX/XX/XXXX found it on my report from XX/XX/XXXX They refuse to put it back on credit report rude harmful on the credit inquiries the file shows me with no credit and incomplete denied all they experian said on my file secure file that waoukfnahve an excellent approval all denied But now on XXXX soft hit I have no credit enough to generate a fico score Please put my mortage back on my cred report they are rude hang up and tell me it's tough but it's suppress and various other reason. My other two credit agency are listed my mortgage can I help XXXX checked with XXXX XXXX   everything is fine they are reporting regularly

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 2020-06-11
Company: Square Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a payment of {$5400.00} to XXXX XXXX on XX/XX/2020 and they are saying that they never received the payment. The employee ID number of the customer service representative alleging this is XXXX. His name is XXXX  XXXX. His location is XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: NY
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:
In accordance with he Fair Credit Reporting Act XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an Everyday Checking account with Wells Fargo on XX/XX/17 with XXXX for an advertised promotion of XXXX incentive for new account openings. You can have purchases or direct deposits of {$500.00}. I qualified on my account with direct deposits and card purchases. I called WF, and customer service rep said it takes 45 days from my deposit of {$500.00} on XX/XX/XXXX, another customer service rep said she could not find the promotion, another customer service rep, my account did not qualify it was XXXX direct deposits a month and the incentive bonus was {$200.00} They did not even try to see if I qualified whether it was for the {$300.00} or {$200.00} bonus. I figured there was going to be a problem with this " bonus '', but I decided to give WF a chance to prove me wrong.

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 2016-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One credit card phone representative agreed to remove XXXX 2013, 30 day late they reported as an error because of my XXXX XXXX XXXX XXXX. Immediately Auto Pay was fixed and payment has never been missed in excess of 29 days or more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMOUNT: XXXX

ON XXXX XXXX XXXX, THE FOLLOWING DISPUTE LETTER WAS SENT TO FINANCIAL RECOVERY SERVICES, XXXX XXXX XXXX XXXX MN XXXX, TO DISPUTE THE DEBT AND ASKED TO VALIDATE THE DEBT.  

FINANCIAL RECOVERY SERVICES DID NOT SEND ME ANYTHING TO VALIDATE THE DEBT, AND IT HAS BEEN OVER 30 DAYS.

JULY 19, 2021

FINANCIAL RECOVERY SERVICES
XXXX XXXX XXXX XXXX MN XXXX

RE: VALIDATE THE DEBT.  FRS FILE NUMBER XXXX, XXXX XXXX XXXX

TO FINANCIAL RECOVERY SERVICES,

PLEASE SEND ME THE FOLLOWING IN REGARDS TO FRS FILE NUMBER XXXX, XXXX XXXX XXXX.

1 - IDENTIFY THE ORIGINAL CREDITOR
PLEASE SEND ME THE CONTRACT FROM THE ORIGINAL CREDITOR

2 - ORIGINAL CONTRACT WITH SIGNATURE

3 - CONTRACT BETWEEN ORIGINAL CREDITOR AND COLLECTION AGENCY
ALSO KNOWN AS ASSIGNMENT CONTRACT

4 - PROOF THAT COLLECTION AGENCY IS LICENSED TO COLLECT DEBT IN MY STATE

5 - PROVIDE COMPLETE LINE BY LINE BREAK DOWN ACCOUNTING OF ORIGINAL ACCOUNT
TRANSACTION HISTORY, INVOICE HISTORY

6 - PROOF THAT DEBT OWED IS WITHIN STATUTE OF LIMITATION FOR MY STATE

THANK YOU.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2016-07-18
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In 2010 I was involved in a fraud case with navy federal I was contacted by an investigator XXXX. He told me to come out XXXX this was something they were aware of they had XXXX suspects. Make a long story short they have locked and arrested the inviduals up which I have later found. I been calling Navy federal to find out how do I handle this and they have not provide with any type of assistance only to pay my debt but this is completely a fraud case the guy from XXXX took my money and never giving me any car he have my social securitt number and much and many more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Account status incorrect

Complaint:
The information that is reporting on my Equifax and XXXX credit report does not reflect on my XXXX and all reports should reflect the information on the XXXX report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions 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:
when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it

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 2021-12-31
Company: EQUIFAX, 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:
when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
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:
when i was in jail someone stole my identity and opened accounts using my social i made an ftc report and an identity theft affidavit from police and showed my jail release form and they still refuse to delete it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The selection I made is not the correct, but it is the closest. They did not use profanity or any abusive language. However, they did use scare tactics and hostile techniques. They called and asked me to pay a debt for XXXX. This company has not sent a single written communication to me. They have only contacted me via phone. How do I know they are not trying to scam me? I offered, however, to make a payment arrangement and they indicated that they could not do so. They wanted the money right then and there. When I told them I could not, they offered me an option to go through a 3rd party company to finance my debt. I said that financing a debt was not a good option since it would charge me interest and I am not doing good financially. He said " Ok so thats fine, we know where you live, your phone number and everything " to that i responded that all it was not a good way to talk to me. I requested to speak to a supervisor and they transferred me to a Sr Specialist. She was better, I have to be honest. But towards the end she harassing me saying that she could put me on hold while I called the financing company and tried to get the money to pay. I said I would call back ( I was at work ) and she said " then I will notate that you refused to pay the debt '' I told her " that is not what I said, I cant call right now, and I will call you back '' she then went on to say " calling back is not one of the options '' I said well, I still need to call you back and she said " Ok I will notate that you refused to pay your account, byeeeee '' that is very disrespectful and using their power to mentally stress me out. I would lie for them to more respectful and work with me on a pmt arrangement or at least send a written formal communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cavalry XXXX reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the green card showing that the received the validation request over 60 days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: First Data Corporation
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I owned a XXXX XXXX XXXX XXXX. The name was XXXX XXXX XXXX, dba XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX facilitated my credit card processing. When I first started with the company in XX/XX/XXXX the bank that XXXX XXXX XXXX used to process credit cards was First Data. 

In XX/XX/XXXX they switched the bank to XXXX XXXX for processing. I worked with their representative and had to sign a document to cancel merchant services with First Data effective XX/XX/XXXX. However due to a mistake that XXXX XXXX XXXX made despite the signed cancellation agreement I continued to be charged bank fees by First Data for 15 months thinking the entire time those fees were from XXXX XXXX. I finally discovered the problem after I had sold my store on XX/XX/XXXX and noticed that my account continue to be charged a fee when I had canceled all merchant services as of that date. 

I immediately contacted XXXX XXXX XXXX. They admitted it was their mistake and something did n't get processed correctly in the paperwork. The general manager XXXX XXXX even told me over the phone that the old merchant number would be listed on my bank statement with the withdrawal and I should have known it was from First Data. After contacting the bank and reviewing all statements this was not the case. There was nothing to identify the withdrawals as coming from First Data. XXXX XXXX XXXX only agreed to reimburse me for 6 months which came to {$390.00}. I am still owed {$480.00} which they refuse to pay 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 monetary relief
Consumer complaint received 2015-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently checked my credit score and noticed my score went from XXXX to XXXX so I got a full credit report from transunion and saw a tax lien on me for {$80.00}. I have no idea where it came from since I have never gotten any notice of any bill unpaid or lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute for the XXXX  XXXX and XXXX XXXXXXXX on my consumer report. Equifax verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX XXXX and XXXX from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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 was in the process of buying an ATV for summer fun. As I was looking for the XXXXne I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim oXXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police report.

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