davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (PA)

Started lease transfer via BMW financial services on XX/XX/XXXX with documents signed by both parties. XXXX transfer process near completion. Informed on XX/XX/XXXX that car has new recall and now can not lease transfer. Attempted to fix recall immediately however was told that no fix is available ( no parts available ) with no timeline available - told by service center at dealership it could be months. This recall is for brakes and per the recall could cause increased risk of injury due to this recall. I called BMW financial services, recall center, and corporate to attempt to either continue transfer, attempt payoff myself to sell car, or return car to dealer. These were all denied, per BMW. I checked in again on morning of XX/XX/XXXX with dealership and corporate- was told that fix is still not available and I have no recourse. I am stuck in a lease with a car that is not safe to drive ( I have a XXXX  and XXXXXXXX XXXX XXXX  ) and yet can not get out of lease. I am submitting this to CFB to help as I am likely not the only customer in a similar situation ( this recall likely effects thousands of customers. )
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid the entire balance of the credit card by the due date of XX/XX/year>. The entire BALANCE! And they still charged me interest of {$100.00} after the fact and after the balance was XXXX. The Balance was paid in full and on time. There should be NO INTEREST. My total balance due that needed to be paid by XX/XX/year> was {$5200.00}. and {$5400.00} was actually paid! I paid MORE than the balance that was due by the due date. This is fraud charging customers interest on a balance that they completely paid in full.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2016-08-31
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Finance of America Mortgage LLC (NV)

I was the seller in a transaction that closed on XXXX XXXX. I am concerned that I paid a principal reduction for my buyers of {$1900.00}. Is this acceptable to put in the closing cost for the seller to pay. My contract states " Seller will contribute 3 % to Buyers Lender 's Fees and/or Buyer 's Title and Escrow Fees excluding cost which Seller must pay pursuant to loan program requirements. '' It does not seem right to pay a principal reduction for the buyer. This is not a lender for or a Title Fee. Thank you for your time. 

I am wondering if there is something to protect the sellers when it comes to these types of situations.
Consumer complaint received 2022-11-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC (MO)

XXXX the XXXX specialist from Recovery Solutions Group has called my office many times and been asked to stop calling he proceeded to call on XXXX and spoke to a office employee and told her I owed him more then XXXX dollars and he was going to seize all my assets and everyone would be out of work. He also threatened to send people to our office to take care of business if I didnt respond. My employees feel unsafe at work and afraid they are losing their jobs.on another occasion I was called and threaten also with men coming to my office to handle business and before I could even respond he hung up on me. We have been having to walk each other to the car at dark in fear that some men are coming to harm us. Today XXXX a man did come he handed me a envelope and proceeded to try and take photos of my staff and my office saying they were coming with a XXXX to load up my office and seize my business and charge me XXXX what its worth because it was being sold at auction. I have let them know I currently have a lawyer representing me and I gave them the info to contact them. I was told that it dont matter they are not a legit company and are ripping me off. The man also waited outside our office taking photos of employees with out their permission and making them very unsafe feeling. I need this to stop my self and my employees feel un safe and scared to come to work.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/year> I applied online for a Citizens Bank credit card account. My credit bureau with XXXX was pulled. Subsequently after calling Citizens bank I was told that I was declined and a letter was to be sent to my residence address. I received no letter showing the account was declined. 

I've attempted to follow up on several occasions to get a copy of the denial letter ( as required by law ). Citizens Bank is telling me they can't provide the letter or documentation showing the account was denied.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> between XXXX and XXXX I made a deposit at the Bank of America ATM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I inserted my ATM card, punched in my account number for deposit and deposited my money order of {$750.00}. After a few seconds the screen went Black. Then the screen lit in red writing saying ATM is out of service. I pressed the ATM a few times seeing if it will return my money order and it didn't. I then returned to my car which was a rental and called bank of america. The first person I talked to we lost contact. So I left to return the car since it was due to return. As I was leaving I noticed someone walking up to the atm machine with something in his hands. I didn't think anything about it because the atm was out of order. I got back to the atm and noticed it was working again. So I called bank of america and talked to a lady named XXXX. I explained to her what happened and she gave me a claim number. They contacted me and said they found nothing. I talked to someone and they told me that I was liable. I know atm machines have cameras. And I know you can't make a deposit with using an atm card. Another thing, there was a guy before me punching a lot of numbers on that atm I used. I think he was making multiple deposits. Then when I used the machine it broke down. And after I used it nobody else used it until I noticed that XXXX guy when I was leaving walk up to it with something in his hands. I don't even think bank of america checked the atm cameras because if they did they would have noticed that what I was telling them was true. I read that bank of america was getting investigated by CFPB and that's why I'm contacting your organization.
Consumer complaint received 2016-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

My loan for disadvantaged students and XXXX Loan was transferred to another company without informing me ( to ECSI ). My payment was overdue because I could not log into my account with my old lender. I finally find out the loan was transferred and missed a payment. Now my credit is damaged by no fault of my own. They will not help me. I had to pay many thousands of dollars or was threatened to put my loans in immediate default. I feel I am being mistreated by this process and have no XXXX on my side. Even as I try to pay they charge large processing fees.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/scrub> 2024, I used XXXX to deposit {$20.00} ( plus XXXX disclosed fee ) into the commissary accounts of people who were being held in XXXX XXXX XXXX XXXX. Each time, I used my CapitalOne credit card to make these deposits. 

Unbeknownst to me, each of these deposits incurred a {$10.00} cash advance fee. I have no idea why these deposits are considered cash advances or treated any differently from other forms of money transfers ( like XXXX and XXXX, which are also connected to my credit card ), online donations to charities/political causes/etc., or regular purchases. Cash advance seems like a totally arbitrary category that essentially just describes what credit cards dolay out the money for a good or service in advance of when I pay for it. I had no idea I was being charged these fees for these specific transactions. 

I called CapitalOne today and asked them to waive the fees, but they refused to do so. I also asked them ( supervisor XXXX ID XXXX ) how customers are supposed to ascertain whats considered a cash advance vs any other money transfer via credit card, and I was told that I could call the bank in advance of any such transaction to check if its a cash advance or not. This I cant describe it to you, but I know it when I see it response is the hallmark of a policy that is so untransparent that theres no way for me to know when it could be sprung on me. Furthermore, it feels particularly predatory for this fee to be imposed for donations to an incarcerated persons commissary account, since thats a whole industry that gouges poor people at every level.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I look at my credit report and saw that they were XXXX accounts open in my name that was not mine. So i called the bank to closed the accounts and to remove them from my credit report and they said they would remove them and close the accounts. NOW the accounts are close but are not remove.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My ex stole all my cards information at XXXX. I filed a police report gave them the information told them he has a charge of XXXX XXXX XXXX XXXX XXXX XXXX against him. They told me to open a new account so I did transferred the money to the new account and everything I thought was fine. But then a few days later they froze all my accounts I had no access to my money at all. I had been fighting with them for months about this. This isn't fair to me that I have lost all my money cause they took what I had in my savings and the new account and put it back into the old account and it is still frozen. So I had to go find a new bank and my XXXX they are keeping. When it was stolen from me I have to replace it again and they won't give me a XXXX of my money back. That's not right or cool when they were the ones who told me what to do. And then they keep all my money anyway. They have all the information case number etc that's all I had now I have nothing raising XXXX babies. I gave them the guys information on who stole it and everything. They should go after him and give me my money back. Can they even do that??
Consumer complaint received 2023-07-18
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. (GA)

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 Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 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.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I have looked into getting information from Spring oaks capital llc about a debt of {$5800.00}, and opened XX/XX/year>. They just appeared on my credit without any information acct #, telephone number, address or anything. I do not have any debt with this company, nor have I signed any contracts with this company of any sort. Upon looking into the NMLS they do not even have a license to practice in the state of Texas. I want them removed immediately from any and all reports because they are bringing down my scores when I am trying to buy a house.
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (TX)

I made a purchase through XXXX around XX/XX/2023 using Affirm as a pay over time option. I canceled the purchase immediately. I reached out to affirm several times to notify them that the purchase had been cancelled and the product was never received. They refused to remove the charge and advised me to contact the original company ( XXXX ) from which the purchase was initiated. I contacted XXXX several times regarding a refund. They refused to refund my monies. I contacted affirm again trying to get the charge removed over 2 months and they still refused. I contacted XXXX again and upon their investigation they confirmed I never received my purchase and granted me a credit. I then paid the loan off through Affirm and asked for the late payments reporting to be updated to on time due to not receiving the product and paying loan balance.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just looked over my Credit Report and noticed 2 accounts that do not belong to me. Those accounts are XXXX XXXX XXXX XXXXXXXX XXXX. I also noticed 3 hard inquires on my Credit Report that I never gave permission to pull my Credit Report. All accounts are included in my Identity Theft Report which is attached to this complaint.
Consumer complaint received 2024-08-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYST XXXX... 
{$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Unauthorized Information Disclosure under 15 USC 1681 Dear XXXX, I am writing to dispute certain information that appears on my credit report maintained by your bureau. Pursuant to the provisions outlined in 15 USC 1681, it has come to my attention that you have been furnishing and obtaining my personal information without my written consent. 

Upon reviewing my credit report, I discovered several entries that I did not authorize or provide written consent for your bureau to obtain or furnish. Specifically, XXXX XXXX XXXX account # XXXX. It is essential to note that I have never provided explicit written consent for the disclosure or acquisition of this information by your bureau. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681b, it is mandatory for consumer reporting agencies to obtain written consent from individuals before providing their consumer reports to third parties. Additionally, under 15 USC 1681c, consumer reporting agencies must also provide a summary of rights to individuals who request their credit reports. However, I have not been notified of such actions nor have I provided authorization for such disclosures. 

I am requesting that you promptly investigate this matter and provide a detailed explanation of how this unauthorized disclosure of information occurred. Furthermore, I demand that you remove all unauthorized information from my credit report immediately, as it is in violation of my rights under the FCRA. 

Please provide written confirmation once the investigation has been completed and the unauthorized information has been removed from my credit report. Additionally, I request that you provide a copy of my updated credit report free of charge, as per the FCRA regulations. 

Failure to comply with the FCRA regulations may result in further legal action. I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MARINER FINANCE, LLC (MD)

XXXX XXXX is incorrectly reporting my Open and Active account as closed and charged off. I opened the account in XX/XX/year> and have had the same account number. XXXX XXXX is incorrectly reporting the same account as ACTIVE, CLOSED, and CHARGED OFF at the same time even though I am current and making payments. I have disputed this with the credit agencies and i have called and emailed XXXX XXXX numerous times but they will not update the Closed status to Active and current. This is detrimental to my credit score. How can I be current and closed and active at the same time? There is nothing in the contract that states I am being closed or refinanced.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I WAS CHECKING MY CREDIT REPORT AND ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD