davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (CO)

We financed the purchase of a BMW 328 with BMW Financial Services ( BMW Bank of North America ). The loan was paid off on XX/XX/XXXX. We recently decided to sell the car and accepted an offer on XXXX XX/XX/XXXX. I went to the Colorado DMV to get a copy of the title at which time I was told that BMW Financial Services still had a lien and I would have to secure a release before obtaining the title. I contacted BMW to request a release on the lien. I was told that they had purged records for XXXX and had no record of the account and therefore was impossible to release a lien. They could write a letter but that doesn't feel like something that the DMV is going to accept. However I asked them to expedite it anyway and provided my FedX account info so they could send it as quickly as possible. That was 6 days ago and have heard nothing since and this is likely to result in a lost sale, expenses, and time associated with the sale. 
( 1 ) I do not understand why upon the full payment of a loan that BMW ( or any other lender ) would not automatically remove the lien and forward the title?

( 2 ) How is it possible that a loan company would purge their records and remove any account history without taking any action to fulfill their obligation to release a lien?

( 3 ) And how it is possible that a company of BMW 's stature and reputation not go a little out of their way to assist a customer to quickly resolve the problem ( not exactly the ultimate customer experience )? 
( 4 ) Why am I now stuck with a car that I fully own and can not sell? 
( XXXX ) As a senior citizen why do I feel I am being taken advantage of? 

In a highly regulated industry that is supposed to protect the consumer how is it possible that these simple practices are not adhered to? Are there not requirements or fines for companies that fail to live up to their obligations after the consumer has fulfilled theirs?
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

I was scammed out of funds and Wells Fargo refuses to assist with the issue. I paid rent through XXXX and the owner unregistered and evicted me and because he could prove he didnt utilize XXXX ( currently unregistered ) he was awarded then, he told the court he never received funds my only course of actions was to reach out to Wells Fargo and they have failed to help. The funds need to be refunded to my account. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Form 1099-C - Discharge of Debt was filed by XXXX XXXX XXXX XXXX XXXX with the IRS, for the mortgage loan account number XXXX in the amount of {$75000.00}. Copy B of the 1099-C form was sent to me by XXXX XXXX XXXX XXXX XXXX because the total amount of the debt owed has been discharged in full, due to an identifiable event that has occurred and the debt owed is now Paid In Full. This is important tax information and is being furnished to the IRS. 

XXXX XXXX XXXXXXXX XXXX XXXX  has failed to notify me the year following the filing and has failed to update account number XXXX to Paid In Full. Form 1099-C must be filed in the year following the calendar year in which the identifiable event occurs. XXXX XXXX XXXXXXXX XXXX XXXX had continued to collect on this debt even after filing the 1099-C with the IRS and discharging the debt. XXXX XXXX XXXXXXXX XXXX XXXX has lead me to believe that this loan is not paid in full and I had continued to make monthly mortgage payments following their 1099-C filing on this loan.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with The Fair Credit Act this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602 states : I have a right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 ( g ) Debt Validation, I request : 1 ) to send me a detailed list of the history of payments made by me on this account. 2 ) I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3 ) Im asking have there been any insurance claim filed on this debt. 4 ) I want proof they have the chain of title to collect on this debt
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The account is XXXX mortgage with Equifax XXXX XXXX reporting agency payment. History should be 100 % clear no late payments but the status should read paid closed never late, which it does not. I have tried multiple times to fix this with Equifax and they have failed to do so. I have mailed and documents I have tried and tried to try it again, but I get nowhere. This is preventing me from qualifying for a better interest rate on a new home loan if Equifax XXXX XXXX would look into my credit report they would clearly see that I do not make late payments ever, so this does not match my credit profile. I DO NOT MAKE LATE PAYMENTS EVER.
Consumer complaint received 2024-05-23
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-23
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-23
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. (TX)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Consumer complaint received 2024-06-21
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX - Late Payment XXXXXXXX XXXX XXXX XXXXXXXX - Charge Off XXXX XXXXXXXX - Charge-Off XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

Notice of dispute under the authority of the FCRA. XXXX XXXX and XXXX XXXXXXXX XXXX  are reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the Creditor is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA and affirmed in ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit report attached is evidentiary documentation of violations reported.
Consumer complaint received 2024-07-03
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. (FL)

There are XXXX accounts with XXXX XXXX. Those XXXX accounts DO NOT BELONG TO ME. I have called and mailed XXXX XXXX. When I call in I am told that these accounts and identifiers they have mailed me do not show on my social security number. They evidently belong to a different XXXX XXXX XXXX. Yet they appear on my credit reports all XXXX bureaus. I dispute them with the bureaus they come back as mine. So, I dont know how to resolve this if a. ) XXXX XXXX does not show them under my social security number to pull them up when I call. b ) when I mail them with the info this is what they give me back. NOTHING. just standard b.s.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are XXXX accounts with XXXX XXXX. Those XXXX accounts DO NOT BELONG TO ME. I have called and mailed XXXX XXXX. When I call in I am told that these accounts and identifiers they have mailed me do not show on my social security number. They evidently belong to a different XXXX XXXX XXXX. Yet they appear on my credit reports all XXXX bureaus. I dispute them with the bureaus they come back as mine. So, I dont know how to resolve this if a. ) XXXX XXXX does not show them under my social security number to pull them up when I call. b ) when I mail them with the info this is what they give me back. NOTHING. just standard b.s.
Consumer complaint received 2024-05-23
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. (FL)

Recently I looked at a copy of my credit report because I need to rent an aparmet for move with my family and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-05-23
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. (TX)

I am writing to address a persistent issue regarding inaccuracies on my credit report. 

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing. 

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist. 

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored. 

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.
Consumer complaint received 2024-05-23
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 Department of EducationXXXX 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 US Dept of Education XXXX XXXX and the below listed hard inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights . 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I contacted Equifax regarding their listing of an incorrect Date of Last Payment on an account listed on my credit report ( XXXX XXXX XXXX # XXXX ). I have checked with the original creditor and both XXXX and XXXX to determine the correct date which differs from the Equifax date. The extension of this drop off date is a violation of the FCRA and is used by companies to artificially extend the life of credit accounts that are beyond the State of Limitations and collectability. Equifax is currently reporting inaccurate and incorrect information regarding this account which has severely damaged my credit and prevented me from obtaining an auto loan and credit card.
Consumer complaint received 2024-05-23
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. (IN)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Under FCRA 605B, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX MTG/MIDFIRST XXXX XXXX MORTGAGE SERVICES XXXX GLOBAL LENDING SERVICE XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX is falsely reporting an erroneous account on my consumer report. I disputed with them and they responded saying the item was 'verified ' by XXXX XXXX I have attached below a letter i received from XXXX stating that the inaccurate information has been 'located and removed ' from their system.
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-09-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (GA)

On XX/XX/31 I called to get XXXX  of my loans put on the income repayment plan in which they offered me XXXX. Upon speaking with the representative, I needed my cosigner to call in to enter the payment information as it is touch base and will not pick up her information if we're on a XXXX call. The representative did not state that the offices were closing a XXXX XXXX. We discovered once my cosigner called back that the whole Sallie Mae department was CLOSED. I decided to take it upon myself to try to make a rollback payment however there was a disconnect somewhere and I shorted one of the loan amounts causing the loan to charge off. The representative failed to tell me they close at XXXX the recording said the customer service close at XXXX. Even if I was making a rollback payment I would have preferred through an agent for this VERY REASON, that's why I always make contact before any payment. I had neither the option to pay the XXXX for the income plan due to the payment plan department being closed at XXXX XXXX. and I didn't have the option to talk to the contact center due to their phone lines being off and despite the recording stating XXXX XXXX est