davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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: BMW Financial Services NA, LLC (NY)

Re : Dispute of 30 day late payment for fraudulent lease extension on BMW Lease To whom it may concern : I am writing to request an investigation into the fraudulent activity that occurred on my account resulting in a 30 day late payment on my credit report. 

I leased a XXXX XXXX XXXX from BMW Financial for a period of 36 months ending XX/XX/XXXX. 

I returned the car at the end of the lease having made every single one of the XXXX payments on time as my account was on autopay. 

In the first week of XX/XX/XXXX I was notified by a credit monitoring service that my score had dropped due to a negative mark on my account. When I checked my credit reports I saw that my lease term had been changed from 36 months to 38 months and that the XXXX payment was showing a 30 day late payment. 

Since there should not have been a XXXX or XXXX month I called BMW Financial Services who advised me that I had extended my lease over the phone. 

I have called multiple times since and have advised them that if someone extended the lease over the phone it was certainly not me. I was eventually advised to send my dispute in writing. 

On XX/XX/XXXX, I spoke to XXXX in the Lease End Department at BMW Financial, who told me that the lease was extended on XX/XX/XXXX, long after I had returned the car. He also told me that the payment of {$2300.00} for the fraudulent 2-month lease extension was made from a XXXX checking account with an account number of XXXX. This is not nor was it ever my bank account. 

I assume the leasing broker or someone related to the dealer impersonated me to extend my lease for one reason or another as I have attained a copy of the odometer statement used to turn in my car which was not filled out by me, and has a fraudulent signature that is not mine. 

I suggest that BMW Financial listen to the recording of the phone call when my lease was supposedly extended and compare it to other phone calls of me calling in, it will be evident that it was not my voice doing the extension. 


Lease agreement for XXXX XXXX XXXX for term of 36 months Odometer statement FTC Identity Theft Report Police incident report slip for crime of Identity theft Please remove this blemish as soon as possible as I have otherwise perfect credit and this is clearly a case of identity theft/fraud.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (NY)

To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this 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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

HI NATIONAL RECOVERY AGENCY XXXX XXXX # XXXX FOR {$69.00} ;???? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I recently refinanced my mortgage which was purchased by Amerihome. My first payment was due XX/XX/XXXX, which I paid on time. I have paid on time every month since. The checks have cleared my bank and have been accepted by Amerihome. Their website shows they have have received the payments ( screenshot enclosed ). However, to date there is {$11000.00} " suspended '' by the company and not being applied to my mortgage. I have since fallen into collections for a mistake made by them that no one can explain or is willing to fix. I have made more than a dozen phone calls and have waited hours on hold but no one can or will fix this problem. I have been told several times by many customer service reps that it would be taken care of " in three days '', but that has not happened. I have been waiting for a supervisor to call me back, but they have not.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

Dear CFPB, I have and amazon store card ( account # XXXX XXXX by Synchrony bank for years and never missed a payment. The card was in good standing until yesterday, the bank cited some credit bureau reason and closed my account. If they decide not to do business with me, it is ok. But they closed my account right after amazon XXXX  XXXX, in which I made a lot of purchases and accumulated ~ {$1000.00} worth reward points. They told me the points will be forfeited per their terms. Please investigate this matter and see if this bank is just deceiving customers and stealing their money. Their terms are not reasonable and not fair.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

XXXX, and their debt collection agency, Southwest Credit, are attempting to collect a debt that I do not owe. 
In XXXX of 2019 I moved from XXXX XXXX XXXX, XXXX, PA to a new address of XXXX XXXX XXXX, XXXX, PA. I called XXXX and notified them that I was moving and that they were to discontinue service at the old address and start it at my new address. 
Over a year later, I received a letter from a collection agency, Southwest Credit. They advised that XXXX was owed {$790.00} for service at my former address. The time period for the service charges were for the period of time after I had moved. There were no outstanding charges to XXXX at the time of my move. I notified both XXXX  and Southwest Credit that I do not owe the debt and XXXX  and/or Southwest Credit have continued to call me. I have also provided them with a statement signed by both myself and the current residence of XXXX XXXX XXXX attesting to the foregoing facts.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (WA)

i have closed my wells fargo checking and saving account on XX/XX/2020 then i got letter on XX/XX/2020 from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX it said you have bounce check check # XXXX date post on XX/XX/2020 and said please paid {$5.00} amount and also bounce fee is {$30.00} make check to XXXX  amount {$35.00} I never wrote check so i wen to XXXX XXXX police dept file police report as i have police cases number # XXXX I got call from XXXX  said if you dont pay we will freeze all your account i feel they theat me i keep tell them XXXX   XXXX  in XXXX XXXX closed down store 5 year ago
Consumer complaint received 2019-12-30
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: EQUIFAX, INC. (NJ)

I sent several dispute letters due to incorrect information on my report and it keeps coming back verified. I ask how was it verified and I dont receive a response and it been over 30 days now. I have inquiries on my report that was not authorized and a collection account thats not mine. And nothing is being investigated or disputed.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

This was done the year of 2018, I had opened several credit cards. Lets start with the one from discover, it was meant for school purposes. but I needed to use it when I went on a trip for an emergency. little did I know a few charges where pending for school causing my card to be maxed out when I checked and thought I was in the clear. However, the card was still able to process beyond the amount that was on the card and the company hand blamed me. when the card should of been denied when being used, however it was not. so the amount exceed far greater the amount I could spend on the card. 

The other two card are from XXXX XXXX, this one was the shocking because I had entered my banking information to pay it automatically. but when the information was entered it said I violated my policy closing both my accounts. however, the violation was that I did not enter the correct Information from my bank, that is what I was told of this violation. Which made not sense to me. 

The other card I had was premier one card and that card was closed because I made to many payments in a month which made no sense to me. because I thought that is exactly what you are suppose to do for a credit card. However, they wanted more information from me through fax and which I did but never did because it was closed. 

The other card I Had was bank one. I made a payment and then they closed my account without my acknowledgement.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

I am currently reaching out to the CFPB for help regarding an account with Goldman Sachs that hat has caused me severe health, economic and XXXX  problems. In XXXX I spend XXXX dollars with Sachs and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with sachs. I reached out to Sachs explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments Sachs promised to reinstate my account. 
This agreement has been breached by Goldman. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but Sachs refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of Goldman Sachs has caused me the opportunity to qualify for a loan that would have saved my business and home. 
Goldsman has shown no mercy and has refused to correct the error. Goldsman has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (IL)

I filed Bankupty back in XX/XX/XXXX. Cancelled the Bankupty in  XX/XX/XXXX. My car was included in the Bankupty. After the Bankupty was cancelled my car note company XXXX XXXX XXXX said I was behind on my payments. {$1200.00} dollars and they wanted it then. Well I paid it up in the next several months. Next I notices that even thought I was paying them, they were still report negative information to the credit XXXX. Furthermore I have being asking for monthly statements showing the payments I have made and when my next payment was due ; but time after time I have asked and no statements are being sent to me ; asking since XX/XX/XXXX. This account shows on my credit report as a charge off. This suppose to be why they cant send me statement, but I am suppose to keep paying them every month without a statement to remind me and the dollar amount thats due. I am a senior citizen with XXXX. This is very stressful! Theyre already charging me to much for this car
Consumer complaint received 2022-07-22
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$4400.00} XXXXXXXX XXXX  XXXX XXXX : {$5700.00}
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed incorrect information on my credit report which are inquiries XXXX- XX/XX/XXXX XXXX XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX These are all incorrect and fraudulent
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (NC)

I was notified today that 'XXXX  XXXX '' placed a collection on my report. I have been paying this account through XXXX XXXX which is XXXX 's in house collection weekly. And XXXX XXXX who works for XXXX conveyed to me once payment was being made that it would not go to collection. Especially since Maryland is one of the states that is participating in the " Ban collection due to state of Emergency because of COVID-19 ''. I have been SEVERELY affected due to COVID-19. And this is affecting my credit.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I contracted XXXX at the end of XXXX due to an outbreak that occurred in my office. Contracting XXXX at the time led to me having a severe adverse reaction due to a pre existing medical condition with my XXXX making it next to XXXX XXXX XXXX. This led me to having to be XXXX for several months after. 

This entire situation led for me to be without work From XX/XX/XXXX to XX/XX/XXXX and I am just now able to get back on my feet to work on making payments towards my loan. I am seeking accommodation to have the late payments being reported for the account under my name to be updated as current for Months XX/XX/XXXX to XX/XX/XXXX on all 3 bureaus because I had XXXX  ability to be able to keep up with the payments due to being severely impacted during the ongoing COVID-19 pandemic. 

I appreciate your help in this matter.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I applied for an income-driven repayment plan with Ed financial probably two months ago and was waiting to be accepted and I never heard back from them. My grace period ended a few days ago and I went to check my loans and it still says I do not have a payment due and that I have a XX/XX/XXXX due date to pay back {$0.00} worth of loans, even though my grace period is over. I also received an email on XX/XX/XXXX that says that I have {$0.00} due, with a due date of XX/XX/XXXX, Which makes me really confused as to how or when my loans will actually be able to be repayable and if I am actually enrolled in an income driven plan. I tried to contact them a few times and either don't hear back or I am told that their communication lines are too busy to take my chat or email. I just want to make sure I am in a good standing to pay my loans and not have to keep waiting and end up in a bad situation with my loans.
Consumer complaint received 2020-10-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent numerous dispute letters to TransUnion regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XXXX has gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days mean these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX - BALANCE {$540.00} XXXX XXXX  # XXXX - BALANCE {$420.00} XXXX XXXX # XXXX - BALANCE {$310.00} Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX