BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: BMW Financial Services NA, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BMW Financial Services switched my lease to e-statements without my consent or knowledge of this action. Furthermore, the email address used by BMW Financial Services was an inactive old email and the e-statement was undeliverable. I relied on the paper statement to make my scheduled payments. After months of unknowingly non-payment, BMW Financial Services repossessed my vehicle. Upon learning of this action, I immediately made the delinquent payments and recovered my vehicle. 
BMW Financial Services admitted they switched my account to e-statements. I did receive a call from an individual stating he was from BMW a couple months prior to this event. This individual asked me to provide my social security number over the phone which I declined to provide thinking this was a fraudulent call. I have been a victim of IRS fraud in the past. Therefore, I did not provide my personal information over the phone and thus the individual would not relay to me the purpose of the call. No further written attempts were made by BMW to contact me at my home. 
BMW Financial Services were in error when they switched my account to e-statement without my knowledge or consent, resulting in adverse harm to my credit, which I am demanding is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Fifth THIRD Bank is soliciting customers to use balance transfers with a XXXX percent interest rate, Along with the balance transfer is payment of a transfer fee which represents prepaid interest, Fifth Third is then charging cardholders interest on top of the balance transfer fee without conspicuous disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PORTFOLIO RECOVERY for committing identity theft. I have never given PORTFOLIO RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from PORTFOLIO RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, PORTFOLIO RECOVERY has openly admitted to committing identity theft when responding to a complaint with " PRA purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If PORTFOLIO RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been working with XXXX for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and XXXX refused to work further on investigating. I have made multiple calls to XXXX, and they have been extremely unprofessional and rude.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting act, the following account below have violated my federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15 U.S. code section 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit furnishers ) have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish any account without my written consent.

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 2023-10-25
Company: EQUIFAX, INC.
State: CA
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:
I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Santander Consumer USA Holdings 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:
in accordance with the Fair Credit Reporting act XXXX  with account Santander 's bank and dept of education / 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: BARCLAYS BANK DELAWARE
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: Investigation took more than 30 days

Complaint:
The credit card company incorrectly charged the wrong account for payment, internal error, and then falsely reported to the all three credit bureaus that I was late past 30 days when I was not. 

I have asked them to remove it, they said they would look into it over thirty days ago and have still not responded.

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 2022-06-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the rights to privacy These addresses do not belong on my credit report : Name : XXXX XXXX. I Do not go by this name. 

Addresses : XXXX XXXX XXXX AV XXXX XXXX, AR XXXX XXXX XXXX XXXX AV XXXX XXXX, AK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The credit bureaus are ignoring me, I have been sending them letters to eliminate some errors and negative elements of my credit and they have not responded

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 2022-06-27
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are currently working with a lender called XXXX XXXX XXXX  as well as a realtor for us to be able to do a Short sale on our home and continue to live there with our children however SLS and XXXX XXXX XXXX could not come to an agreement on the terms of the Short Sale. On XX/XX/XXXX SLS gave an approval for a short sale. from that time SLS and XXXX were sending emails back and forth with counter offers to each other until XX/XX/XXXX the XXXX approved a SS for the amount of {$4800.00}. However SLS stated that XXXX should only accept an offer of {$1900.00} as they claim that the agreement for the XXXX is to receive 10 % of the second lein holder 's principal balance. XXXX will not budge stating that there is no written agreement or regulation from the US treasury department that oversees all lenders about this issue. On XX/XX/XXXX SLS hostated that XXXX does not have to participate in the short sale and they are given the opportunity to receive a small compensation on their loan that would be Quashed in a foreclosure.Again our agent stated that this is wrong information because if the second lein holder does not participate then the property will never have a clear title. I have all the corresponding emails and am hoping someone can help us with this. We just want to live in our home with our children and have this resolved. We are stuck in the middle and the stress it is causing has affected us mentally and physically. Please reach out with your guidance. Sincerly, 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 2022-07-28
Company: Experian Information Solutions Inc.
State: VA
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : 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
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I DISPUTE MY OLD ADDRESS ON MY CREDIT REPORT, AND THERE STILL THERE. I REQUESTED ON XX/XX/2023, XX/XX/2023, XX/XX/2023 AND STILL TIL THIS DAY, THEY HAVENT RESPOND. THE OLD ADDRESS ARE AS FOLLOWED., 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 PLEASE HELP GET THEM REMOVED.

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 2022-08-22
Company: EQUIFAX, INC.
State: CA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/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 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
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:
Experian/CFPB I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX section XXXX XXXX states I have a right to privacy XXXX XXXX XXXX XXXX A XXXX XXXX, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX/CFPB I dispute all of the following debt In accordance with the fair Credit Reporting act In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Number XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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