vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Hi Team, I was in the process of taking over a car lease from a seller, and as part of the process, I had to submit to a credit application check to BMW Financial Services earlier today. 

An hour ago, I received an email asking me to call the number ( XXXX ) and was informed that my application was denied, and no reasons were given. The only suggestion was to reapply again with a cosigner or ask for a refund of the credit application fee ( I had paid {$530.00} today ). Despite repeated requests, no explanations were given. Kindly note, my credit score is good ( XXXX ). 

I called back the company few minutes later ( XXXX ) and spoke to a different representative, who told me that the reason for my credit decline was that I am not a XXXX XXXX XXXX XXXX holder. I have been legally residing in the XXXX since XXXX and am currently on a XXXX XXXX XXXX ( valid until XXXX ). 

I explained the above, however the company refused to hear me out and stated that as I am not a XXXX XXXX XXXX XXXX holder, I can not be approved of the credit check. 

This is the first time I have been declined a service owing to my visa status. Request you to kindly look into this practice of discriminating against legal immigrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been a XXXX  XXXX  customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from XXXX without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that XXXX  has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. XXXX is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to XXXX  and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to XXXX  and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for XXXX  my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
I had a bank account at XXXX 2 years. This bank was bought by XXXX XXXX.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to ASSOCIATED CREDIT SERVICES , INC.. They should not have made this incorrect charges/errors. The ( ACS ) Associated Credit Services , Inc. XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Branch Messenger, Inc.
State: OR

Complaint narrative:
I work for XXXX eats. I activated my XXXX pro card. Saturday I tried to remove the funds and was declined and told by their outsourcing agents that my account has been locked and I have to speak to Next Level Support although they have not unlocked my account and all agents state their tools do not alot them to unlock the account. 

Branch XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
please remove fraud alerts and unfreezes security from credit report. I want to receive credit offers. I sent out the require Information letters to the company.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Keep trying they won't remove I never apply to these company don't know any of them

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX 's, XXXX Act Name XXXX XXXX XXXX XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXXXXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
I got a bill from collection of a credit card i never apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
2019 I spoke with a representative that persuaded me into enrolling in Freedom Debt Relief ( FDR ) program for my XXXX cc and loan debt. The rep failed to inform me at the time of enrollment that one deposit modification could cause a settlement to fall off back into negation or null. He did not explain so that I would understand the ramifications of a small modification in deposit. Once there was a modification, FDR took more than XXXX in fees with no settlement outcome. They saved themselves by making a payment and then took thousands from me. They misled me and persuaded me into signing up for a program with the talk of getting out of debt in 3 years for half the price. They did not inform me in a understandable and clear way about their huge fees and the consequences of deposit modifications. They misled me and took advantage of my uneducated understanding of the Debt settlement industry. I was vulnable and desperate at the time and I felt like they took advantage of me, making me fall more into Debt and in a worse financial situation than before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2016 - {$0.00} XXXX Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in 2016

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX 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 an account without my written instructions or signature. 

Also I filed XXXX affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Approximately one month ago XXXX XXXX XXXX, I received several emails from Bank of America stating a new account had been opened in my name that I did not request. I immediately contacted the Bank of America fraud department and after being redirected to call multiple different numbers I was able to speak to someone who could close the accounts and resolve my issue. After resolving the issue with Bank of America I placed a credit freeze on my account and followed all of their recommendations regarding identity theft. I was told by the fraud department representative that they would freeze any activity regarding my social security for their bank but I also should contact all of my personal financial institutions as well as sign up for a freeze in XXXX to freeze any future activity at other institutions. I completed all the recommended steps and today almost exactly a month later, I received a new set of emails from Bank of America similar to the emails from last month however the account number was different. I again contacted Bank of America and was shuffled around to different departments until I finally reached someone who could help me. After providing some verifying information the agent confirmed that a new account had indeed been opened in my name and that there had in fact been 3 attempts to open accounts in my name over the last month the previous 2 were denied however somehow this one was approved. I explained to the agent that I was assured that my information was protected at their institution and i could not understand why this account was approved. The agent couldn't offer an answer as to why the application was approved except that fraudsters are persistent and they will continue trying and sometimes they are able to get through. After a total of an hour, I was able to get the account closed and was again assured that my information was on high alert and secured in their systems from future activity, however, after these previous incidents I'm not confident in their ability to prevent this from happening again to anyone else.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX XXXX - {$0.00} Discharged Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX  XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # 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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I write in response to an ongoing matter with XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/XXXX  a credit application was processed by XXXX XXXXXXXX XXXX XXXX without my consent to obtain a lease on a XXXX XXXX XXXX vehicle. The lease should have only been in my son, XXXX XXXX name. I wrote to XXXX legal, executive office, and Fraud Control, and received only one call back from someone named XXXX. XXXX advised me that she would be looking into this matter and reverting back with me. I did not receive any further response from XXXX or anyone else at XXXX. We have sent multiple follow up emails to XXXX general counsel XXXX XXXX, to XXXX Fraud Control, and they continue to ignore our request for resolution. 

Moreover, XXXX had locked access to this account online for my son and myself and therefore my son can not access this account to view or try to make payments, edit preferences, etc. XXXX ignores our request for resolution, and my next step is to take legal action. When I call XXXX customer service is largely incompetent and unable to assist.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom it may concern : I got an alert from my credit report service ( XXXX ) that Bank of America took a hard inquiry against me on XX/XX/XXXX ( Credit report # XXXX ). I have never authorized Bank of America to check my credit and I don't do banking with Bank of America. I had a security concern that someone else is using my identity with Bank of America. I had the same issue back to XX/XX/XXXX that was a fraudulent transaction with Bank of America as well ( CFPB complaint ID XXXX ) and I placed fraud alert under my name with credit bureaus. I called Bank of America on XX/XX/XXXX and spoke to customer service regards to the fraud that I was concerning. I was told there was a credit card application was summitted under my name. I have confirmed with BOA fraud department that I didn't authorize the transaction and that must be a fraud. I have requested to cancel the unauthorized transaction and remove the hard inquiries from my credit report. I was given a case # XXXX and asked to call back to follow up with the progress. I received a missed call from BOA ( XXXX ) today when I was in the meeting at work. I called back to reach out to BOA and tried to follow up with the previous case progress. I was keep being transferred to different departments and repeat my personal information and the whole story over and over again and stayed on the phone for about 2 hours. Finally I spoke to the fourth person and was told the credit card application was still open. I was told the credit card application will be closed. I reported fraudulent transaction on XX/XX/XXXX. But when I called to follow up today, they didn't find record of my XX/XX/XXXX report. I have emailed to XXXX as well and didn't receive any response so far. I strongly request Bank of America to cancel all the fraudulent transactions under my name and remove the hard inquiry from my credit report. 

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 non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have written can called XXXX numerous time about XXXX XXXX XXXX Accounts 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 non-monetary relief