davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (PA)

To whom it may concern, I purchased my car at the end of my lease and BMW through XXXX offered me an extended warranty. This warranty was {$1200.00} and It was represented to me as if would covered wear and tear mechanical items for the car for an additional one year and a half from the contract date. Now the car after six months was totally fine and now has a faulty vent valve and it turns out that the warranty was only through a year of the Maintenance service date, which meant only six months of coverage from the contract date. This fact was misrepresented to me. Based on insurance I have purchased, the risk of something going wrong with the car worth more than {$1200.00} was very low in XXXX months even a year, but I purchased it for peace of mind for within the year and a half I was told. This was a very bad misrepresentation of an agreement and I would have never bought it if I knew It was going to only be good for XXXX months not XXXX months as I was led to believe. I have asked the company to produce the recording of the call, but I find this outrageous and extremely unethical. One point to note, the contract I signed ( see attached ) never established the contract end date and it only has the very technical language about the months after the maintenance service date. 

Best regards, XXXX XXXX
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + XXXX + XXXX + TransUnion, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of XXXX  days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Copy of my drivers license - Copy of my social security card - Copy of my address- Copy of my written complaint
Consumer complaint received 2022-03-25
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KY)

Dear CFPB, On XX/XX/XXXX a charge of {$1300.00} was made to my credit card that I did not make. There were several other fraudulent charges made to the card, some were caught by Chase before the charges posted to the account.

The charge was initially disputed, but when Chase learned other fraudulent charges were made the dispute was passed to their fraud recovery department. 

On XX/XX/XXXX Chase initiated a conference phone call to the merchant ( XXXX XXXX ) where they spoke to XXXX at XXXX XXXX. XXXX admitted this charge was not made by XXXX XXXX and they show no recorded of the charge. 

Chase 's fraud department came to the decision because I had dealings with this merchant, I must have made the charge. They then past the claim back to their disputes department. 

Chase 's dispute department has said even though I may have a valid claim with the merchant, they determined no billing error occurred.

I have made about 30 calls to Chase and 10 to the merchant.

The merchant is very vague about the entire situation and says there is nothing they can do since they show no record of this charge. 

I have already paid for this charge in full and am in good standing with Chase. It was paid many billing cycles ago. I have always paid for any service or goods purchased. 

Any assistance that can be given to me is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (LA)

As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulations was sent XX/XX/2023 RE : XXXX XXXX XXXX XXXX notice was sent XX/XX/2023 RE : XXXX XXXX XXXXXXXX XXXX was sent XX/XX/2023 RE : XXXX XXXX XXXX Acceptance of Discharge was sent XX/XX/2023 RE : XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX Debt assignment was sent XX/XX/2023 RE : XXXX XXXX XXXX Rescission of signature XX/XX/2023 Cert # XXXX XXXX XXXX XXXX XXXX XXXX Exoneration of debt. XX/XX/2023 It was never my intention to be a part of a trust whereby I would not be the beneficiary. 
To date CHASE has not sued the debtor therefore I am exonerated from the debt
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

This account has been improperly reporting since XXXX reporting on-time with XXXX, when after speaking with multiple reps this account was charged off in XXXX of XXXX. There should have been no reason for this account to be reporting inconsistent as it has. I became aware of this a month ago when i was denied a federal student loan for this account reflecting open within 2 years with a balance when it should have been reflecting charged off for over 6 years. Federal student loan would not accept my appeal stating this account was within 2 years and i needed a letter proving the date of charge off. I have been in contact with your company for over 2 weeks regarding the intentional irresponsible reporting to my XXXX credit report. I have called numerous times regarding this issue that was finally corrected with the credit bureaus. These irresponsible actions have caused for denial of lines of credit. In light of the previous suits of Santander consumer violating consumer laws within my state and most recently violation CFPB resulting in an internal investigation and civil penalty I am fully willing to proceed with bringing this to the light of the attorney general of the State of New Jersey for once again violating consumer laws which are in place to protect myself and other consumers. Your company was previously advised by the CFPB to have corrected these issues in which you did not and are still violating consumer laws. Over the past 5 years you have improperly reported this account to the credit bureau of XXXX. I have made an attempt to remind your company of your duty pursuant 15 USC 1681 on your intentional and neglectful actions in remedying my affairs. 15 USC 1681e ( b ) assures i am due, promised accuracy in my report based on federal laws and you have done exactly the opposite.
Consumer complaint received 2023-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MS)

Harassment, One Main has been calling me several times in a row while trying to work one day they called over 7 times which violates the telephone phone act of how many times a debt collector can contact you in a day pertaining to a debt
Consumer complaint received 2022-08-22
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. (NC)

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than XXXX  days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all These are the inquires 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 XXXXXXXX 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 XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2022-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OH)

Hello XXXX, We spoke a couple days ago a bad experience you had with one of our team members here at Rocket Mortgage, I just wanted to follow up on our previous conversation. I attempted to call you but I got your voicemail and it said the voicemail box. I wanted to assure you that have looked into the issue with the mortgage banker was address if you have questions feel free to give me a call at ( XXXX ) XXXX. 




XXXX XXXX XXXX  Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX Good Morning XXXX, In researching the information given to you, I found that there shouldve been more of an explanation given regarding the refinance, for a client that is coming out a forbearance we need for the client to have made three consecutive monthly payments for a rate and term refinance under the FHA guidelines but for a cash out refinance the guidelines are slightly different. With a cash out refinance we will for the client to have made 12 consecutive monthly payments in order to proceed with processing the loan. I do apologize this was not explained to you by our banker and are addressing this matter internally. I have included in this email a link to a FHA website that explains the guidelines. If you have any questions feel free to contact me directly at ( XXXX ) XXXX. 

XXXX XXXX XXXX id=3023 XXXX XXXX XXXX Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX XXXX, Our number one goal was to reduce outrageous monthly payments. It was discussed on both aspects. Not a deal breaker to add cash out. XXXX was well in tune with this and being helpful. Cant say the same for the others we discussed. Rocket Mortgage continues to mishandle against what the government pertains to helping per the CFPB. 
Sadly for the respect of this company, I can not undo/ un hear what this company has done by whom they hire and allow them to continue treating others with less than what theyd expect done to themselves. 
Excuse away as all big businesses will, the damage has been done and whatever your claim of handling internally does not help your customers externally in any situation. 

https : //www.usa.gov/complaints XXXX XXXX
Consumer complaint received 2022-03-25
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a computer generated letter the first week in XXXX XXXX XXXX from Midland Credit Management stating that i owed them XXXX from a XXXX XXXX Credit card. 
Upon reviewing my consumer report i see that this was reported on my report. I wrote them a letter disputing the debt and requested proper and complete validation of this debt according to federal guidelines and not to contact me until they have sent me the proper validation. This letter was received on XX/XX/XXXX by them. They have neither ceased collection attempts or furnished me with the proper validation. I have told them that until they do the debt will be considered invalid. i will attach the letter that i sent to them along with this complaint.
Consumer complaint received 2022-08-22
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. (FL)

CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of XXXX days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - Copy of my drivers license - Copy of my social security card - Copy of my address- Copy of my written complaint
Consumer complaint received 2022-07-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX informing that it was an error for it to be reported.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Duvera Billing Services, LLC (VA)

On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXXXXXX XXXX XXXX XXXX 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, XXXX  school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia XXXX XXXX interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.
Consumer complaint received 2024-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

The company calling me keeps saying that I owe them money for a Lowes account. I called synchrony Bank and spoke with them and they said that my account was closed in XXXX  in good standing and it was closed because I had not used it in multiple years. This company is calling me saying that I owe them {$1500.00}. The credit limit of the credit card was {$300.00} and it closed in good standing 15 years ago.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing XXXX  and XXXX  hardships for my family and I. This is unacceptable Per federal law they're in violation.