BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17.  The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card
Issue: Rewards

Complaint:
I opened an American Express account back in XXXX of XXXX. It 's a XXXX XXXX credit account and with that there was a promotion being offered to get XXXX bonus points on my XXXX XXXX membership after spending {$750.00} within 3 months. I called Amex and XXXX and neither are willing to rectify the situation and give me the points I rightfully deserve. I called both parties around midnight - XXXX on XXXX XXXX, XXXX. 

PS I spent way more than {$750.00} in 3 months! 

( I believe there was also a {$50.00} Statement credit at the time, but not sure on that. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX I sent a dispuite to Equifax about the following accounts : XXXX ) XXXX XXXX XXXX, which you claim I owe {$9100.00}. 
XXXX ) XXXX XXXX XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} DATA OPENED. XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX ) XXXX XXXX ) XXXX XXXX, BEST B It's been 45 days since I sent this dispute and they have not answer as they are required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: IL
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:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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 2015-10-16
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Satisfied Judgment that has been on my credit report that was satisfied in XXXX 2013 - LVNV Funding still says judgment wherein I have a copy of the Warrant to Satisfy Judgment which was filed with the Court after the I paid the settlement!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX, and Experian have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hit debris in my car on a n Interstate highw ay on  XXXX   XXXX ,  XXXX  because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding  is 6 cars  were disabled from the trailer debris. My insurer  XXXX   XXXX  had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was  2 h ours from my house after  XXXX  on  XXXX   XXXX ,  XXXX . I incurred expenses and when I contacted  XXXX   XXXX  about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident.  XXXX  was the insurance company of the driver responsible for the accident,  XXXX  stated they had  XXXX  claims from this accident and a limit on pay out so they would divide the payment to all claimants.  XXXX  mailed me a check for {$1600.00} on  XXXX   XXXX   XXXX . I picked up my car from the repair sho p 2 ho urs from my house on  XXXX / XXXX / XXXX  after paying a {$500.00} deductible.  XXXX   XXXX  billed me for cost of repairs of my car on  XXXX / XXXX / XXXX , I sent  XXXX   XXXX  a letter on  XXXX   XXXX ,  XXXX  stating that  XXXX  sent to me a reimbursement check for expenses.  XXXX   XXXX  never responded to my letter and turned it over to the  AFNI Inc coll ection agency in  XXXX  of  XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on  XXXX   XXXX ,  XXXX  stating that I dispute the validity of the debt and aske d AFNI Inc. not  to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc  has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my house on XXXX XXXX and received a payoff quote form Ditech and I have been having issues receiving a payoff letter form Ditech. I can not get in touch with anyone but costumer service and keep getting delays form them. 
I will attached documents of proof of payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 pending complaints with Truist Bank This evening around XXXX, I received 2 calls from Truist 's complaint resolution team from ( XXXX ) XXXX. I answered the calls promptly and was " HUNG UP '' on both times. I returned the calls and they close at XXXX. As a client, the bank is almost impossible to speak with about issues. 

Also, I rec 'd a check via XXXX from Truist today and PROMPTLY brought it to the bank. I had the branch apply the full amount to the mortgage. 

XXXX ) There was a payoff quote in the XXXX envelope that said I requested a payoff. This is not true. 
XXXX ) The letter noted a payoff the exceeds the returned check by roughly {$700.00}. Does Truist Bank normally return principle payments that are sourced from Checking transfers. The letter notes that the payment needs to be in a certified letter or wire transfer. 
XXXX ) Does Truist Bank allow clients to payoff their loans in the normal course of business? The letter from Truist stated that payoffs need to be in the exact amount of the payoff. That is an odd request given that it assumes that all payments on a 30 year fixed do not include any principle reduction payments. 
XXXX ) The payoff statement today indicated a fee for " recording ''. I assume this is to record a lien satisfaction. This fee appears to be a truth-in-lending violation as it was not noted on the initial GFE or TILA Disclosure. In today 's world, I suspect that this would not show-up on either the LE or CD. Random Fees that are known should be disclosed. 

Making principle reduction payments to a mortgage should NOT create this level of emotional distress. I am disgusted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. S BANK XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which USBANK did not agree to. 

Creditor ; US BANK XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2015-08-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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: Information belongs to someone else

Complaint:
This is the second request..I had asked you to remove accounts that I do not recognize that includes addresses, and my name is incorrect. Additionally, there are a ton of inquiries in which I did not approve. Please delete them immediately. Thank you.

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 2023-03-20
Company: AmeriCollect
State: WA
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:
AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Reporting the following ( less account info here for privacy ) to the credit bureaus on my behalf without the written instructions of myself the consumer. I have no relationship or agreement with the company named above, therefore, they do not hold any permissible purpose for claiming or reporting this information. 

I am filing a report of identity theft against Americollect. Re 15US Code 1681b Adt'l info regarding fraud : LOAN TYPE : COLLECTIONS AGENCY/ATTORNEY DATE UPDATED : XX/XX/2023 BALANCE : {$580.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: MD
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 am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.

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 2022-08-31
Company: Selene Holdings LLC
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 is missing that should be on the report

Complaint:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on XXXX i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 
They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.

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 2022-03-29
Company: EQUIFAX, INC.
State: IL
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:
on XXXX i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
In accordance with the fair credit reporting act XXXX XXXX  ( XXXX XXXX  ) account number 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 customer 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 2017-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
the credit agency Experian, XXXX and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our ChapterXXXX XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.

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