davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

BMW Financial reported my account 30 days late for XX/XX/XXXX to both XXXX and XXXX My payment was due XX/XX/XXXX and my account was paid on XX/XX/XXXX, which is NOT 30 days late. XX/XX/XXXX is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle  in XX/XX/XXXX and the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the XXXX
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XX/XX/year> Capital One Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject : Formal Request for Debt Validation and Correction Account Ending in XXXX Dear Sir/Madam, I am writing regarding my Capital One account ending in XXXX, which was closed on XX/XX/year>, but continues to be reported inaccurately on my credit report. 

Upon reviewing my credit report, I have noticed the following discrepancies : The reported balance is {$720.00}, which exceeds my credit limit of {$300.00} ( 242 % of my limit ). 
My last payment was made on XX/XX/year>, yet my account continues to reflect a late payment status of XXXX days as of XX/XX/year>. 
The worst payment status reported is XXXX days late, despite my efforts to resolve this matter. 
Additionally, the remarks section on my credit report indicates that the dispute has been resolved by the grantor, yet the information remains incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request the following : Validation of the reported debt : Please provide documentation that verifies the accuracy of the reported balance, including a detailed breakdown of the charges, interest, fees, and payments applied to the account. 
Correction of inaccurate reporting : If you are unable to validate the debt, I respectfully request that you correct or remove the inaccurate information from my credit report. 
Clarification of closed account status : Since this account has been closed since XX/XX/year>, please confirm why there is still a balance being reported and late payment information beyond the closure date. 
I expect your response within the XXXX period, as mandated by law. If I do not receive proper validation of the debt, I will be forced to escalate this matter through the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potentially pursue legal action to protect my rights under the FCRA. 

Please direct all correspondence regarding this matter to the address listed above or my email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account Number Ending : XXXX
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}
Consumer complaint received 2017-11-06
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. (LA)

I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
Consumer complaint received 2017-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

AES keeps stalling on account XXXX XXXX XXXX to process and give student loan information requested. AES has currently still not provided me with the details that I require to process information. AES still has not provided proof that I took out the Loan, that the entity has the right to collect on the loan, and that the amount of money that the entity claims I owe is the proper amount. AES has not provided me with the paperwork and they continue to stall with their underhanded tactics. I ask that you make them provide the consumer with the information requested before proceeding further.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

We have been billed incorrectly by CMG Mortgage for most of the time we have the loan ( XXXX XXXX ). We had to go to small claims court and were reimbursed for part of the money, however the company is consistently over charging us even after they admitted their mistakes. We have tried speaking to them tens of times and emailed but they have not corrected the problem.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information con concerning the individual about whom report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate and incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promplty delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information that the information has been modified or deleted from the file of consumer. 
Please remove the following items from credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (AZ)

A random account that went by ( XXXX XXXX  XXXX ) was added to my report last year that I had NO KNOWLEDGE OF, so I looked into it and found out it was nothing that was from myself. I filed a dispute telling them its not mine and it must be identify theft and they removed it from my report. This was XXXX of 2022. Then in XXXX or XXXX I received another random collection account added to my report named ( ASSETCARE LLC ) and when I looked into it, i noticed that it was for the same amount that the ( XXXX XXXX XXXX ), which was for {$930.00}. They just changed the name and have been giving me a problem since. I've disputed multiple times and can't seem to get them to comply to remove this nightmare. So now I am taking action and filing a complaint with you. ( XXXX XXXX ) is also inaccurate with there information as well. They are adding payments every month saying that I'm behind and that's not legal.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

XX/XX/2023 Cash App took XXXX out of my XXXX XXXX account. I was unaware of this. When I tried to ask for an explanation. Unanswered questions. I didn't not authorize. Cash App. To take this money out I received a text on the Day of XXXX XXXX at XXXX am saying the a dispute was made on XXXX XXXX of XXXX dollars. I was unaware of that no information was sent to me about the dispute.. The XXXX account which supposedly have put in the dispute was closed. Where did this money go Cash App has been doing a lot of things which I feel as well as others is not lawful. I am requesting my XXXX returned to me
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I enrolled in to the XXXX in XX/XX/2023 and the money that was paid in from beginning of the loan till XXXX was taken out the account to be adjusted in the interest and reallocated back to the account. When they did this it made my account go severally delinquent ending up in collections within Capital one auto finance and then it was sent to mine and my wifes credit as a charge off resulting in my credit dropping XXXX points and my wifes dropping XXXX points. All because they took way to long to reallocate the fund taken out and I called every week religiously telling them whats going on and no one wanted to listen to me. And now my wife and I are suffering because our credit is all messed up thanks to capital one bank we cant buy a house now and also we feel like we are being punished by using our XXXX thats a federal act to lower our interest, the interest was lowered and the difference in the interest of the 28 month we made payments were applied to XXXX XXXX  and we will be resuming payment in XX/XX/2023. But for capital one to take over a month to figure out the difference in interest of XXXX payments and the money had been taken out the loan account made it delinquent resulting in false credit reporting. I spoke with Presidents office at Capital one and they owned they made a mistake but we are still suffering and havent gotten all our points back and plus we are suppose to have more points back because the auto loan decreased. So the amount reported as charged off was {$18000.00} something dont know exact number but after the interest was lowered our principal balance as of today is {$14000.00} and I talked with XXXX with the presidents office and he said that they would send over the credit information to the credit bureaus so they did that and the amount reported on my auto loan was {$16000.00} which is incorrect again and nothing was reported to my wifes credit since the charge off was made shes still XXXX points short. I have an attorney that gave me yall information to file a complaint. So I hope this doesnt happen to anyone else Also my name on the auto hasnt been updated its XXXX XXXX not XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We should not have leads sold when we did not ask for our data to be sold. we should not have to opt out over and over and over again. it has caused massive distractions and phone calls that are not authorized.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/23 Received a inquiry on my credit report from JPMCB Card services. I did not request or start an application for any line of credit through Chase. I called Chase to speak to a representative to confirm the inquiry and open/pending application that I in fact did not submit. I could not get a live person on the phone as suggested by XXXX. I also have frozen my credit accounts as suggested by XXXX as well. They started a dispute but it's remaining and this is unacceptable. I did not request a credit card with Chase nor start an application with Chase. I have file with XXXX  as I seen this is not the first time someone has had very similar situations. I did call Chase to " check the status of a pending application '' which required to enter my SS # and in which I did and it could not find anything. However this is very important and I'm requesting this to be resolved by removing this HARD inquiry on my credit report that was not caused by myself.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (SC)

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXXXXXX Balance : {$2500.00}.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I have experienced a few issues with this bank. The was a claimed I filed where XXXX XXXX took {$250.00} out of my account navel federal never showed me proof of authorization which I asked for in the initial claim and the dispute of the denial of the claim. Also I had a claim for XXXX  where part of it was fully resolved and the other part is still being investigated. I dont understand that. When I called I was asked why I filed the claim so far out in a rude manner. Then when I called about it again I spoke to a XXXX that brought up accounts that were discharged in bankruptcy. She was very rude again like most of the reps I speak to here. They make you feel less than a person if you dont hold a certain status on your account. Ive even been told by a rep that I shop too much. Which is a violation of my privacy and unprofessional.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WV)

On XX/XX/23, I communicated with an Experian agent. I was having trouble with verification. She stated that she took care of it and that my account would be activated within XXXX hours, and to watch my email for a Welcome letter. On XX/XX/23, I had not received anything and my account was not activated. I called again. Another agent said my account was not activated, that would be another XXXX hours. I called again, a hour later, because something felt off. I was told my account was canceled and to try again in XXXX hours.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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