davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: BMW Financial Services NA, LLC (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 


Please fix the listed account : BMW FIN SVC XXXX Balance : {$5300.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I have attempted to get my Equifax credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the free annual weekly report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. 

Having an automated recording telling people to send a letter with identity documents is not very smart during Covid, especially, when a lot of people have immune compromised health systems.
Consumer complaint received 2024-03-26
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. (PA)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as XXXX, Transunion and XXXX must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, Transunion and XXXX lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( XXXX ), XXXX, Transunion and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section XXXX. XXXX, Transunion and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions. 

- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

Subject : Complaint against PHH Mortgage Dear Sir/Madam, I am writing to bring to your attention the frustrating and disappointing experience I have had with PHH Mortgage. I have been working with a mortgage defense attorney against PHH Mortgage because every consumer finance protection law they have not been complying with their contact for a family transfer is slow, and they have not sent me letters in the mail on what to do next. When they do respond, they leave a cliff hanger saying the process is incomplete and ask me to contact the modification counselor 's office. 

Unfortunately, even when I contact their counseling office, they state that I'm not authorized even after probate and recorded the deed of transferring title have been completed. Even when I say I am the successor of interest, and I have the necessary legal documents, the response from PHH remains the same. This is extremely frustrating, and I do not know where to turn.

I would appreciate it if you could investigate my case and determine why PHH is refusing to comply with the Consumer Finance Protection Act and other relevant laws. It is my hope that this situation will be resolved quickly and efficiently so that we can move forward without any further hassle. 

Thank you for your attention to this matter, and I look forward to hearing from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American First Finance, Inc. (MA)

On XX/XX/2021 American First Finance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (GA)

Today, XX/XX/2022, my father handed me a letter from Linebarger Goggan Blair & Sampson , LLP, attorneys at law, dated for XX/XX/2022. This letter falsely states a previous notice for a fake debt. This debt is in regards to a tollbooth I think, despite the fact that the state of Georgia ( where I and my father live ) has no tollbooths, except maybe in XXXX. Linebarger claims that there is a debt on our car for the " XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX Colorado XXXX XXXX XXXX XXXX XXXX I don't mean this to be rude, but why on earth would anybody drive all the way to Colorado? I, the driver of the vehicle in question, have never been west of XXXX and have never driven farther than XXXX, GA. I thought that the " XXXX '' was a highway in Colorado, but XXXX said that it's something like a toll booth near or in XXXX. I'm not sure since I've never seen it or know what XXXX would look like, since I would never drive there, given that it's over XXXX miles away from me. I thought that this was a simple scam, but I discovered that Linebarger is actually a real debt collector. I tried calling them, and the system put me in a queue but reset my place and made me enter the reference number every XXXX seconds, so I am unable to ever possibly reach a real person. This is ridiculous, and I believe that either Colorado or Linebarger has made an error.
Consumer complaint received 2021-01-04
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. (WA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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 The following inquiries are unauthorized : On XXXX XXXX 2019, XXXX XXXX add a hard inquiry on my credit reports.

On XXXX XXXX 2019, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2022-11-21
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/2013 XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (MA)

I have received my credit report from XXXX. I am copying/attaching the detail of report below : CONTRACT CALLERS INC XXXX {$120.00} - - - AddressXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date OpenedXXXX ResponsibilityIndividual Account Account TypeOpen Account Loan TypeCOLLECTION AGENCY/ATTORNEY Date UpdatedXXXX High Balance {$120.00} Original CreditorXXXX XXXX XXXX  XXXX Past Due {$120.00} Pay Status>In Collection< Estimated month and year this item will be removedXXXX Please note that the Collection Agency has not contacted me regarding this matter.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

New statement balance was {$7100.00}. I rarely use this credit card and so had forgotten that it was set up for automatic monthly payments. The Bank of America website and statement do not show that the account is set up for automatic payment, so I made a manual payment. As a result, TWO payments were made out of my checking account. 

XX/XX/XXXX : Called BofA and requested reimbursement of the {$7100.00} extra payment made. She requested my checking account number and routing number and said I would receive it " within 10 business days ''. 

I called about a week later to confirm the payment was in the system and they reconfirmed and repeated that the process takes " up to 10 business days ''. 

Friday, XX/XX/XXXX ( 10th business day ) : I called that afternoon because it still was not in my account. She re-confirmed the request was in the system and said she could " assure '' me it would be in my account over the week since this was the 10th business day. 

Tuesday, XX/XX/XXXX ( 12th business day ) : I called because I still had not received the payment. She confirmed my prior calls, but said the way the request was put in the system was not for a payment within 10 business days, but " within two billing cycles ''. She put me on hold to confirm with a supervisor she could request an " expedited payment '' and said it was now in the system as such and I would receive it " in XXXX XXXX XXXX XXXX ''. 

Thursday, XX/XX/XXXX ( 14th business days and more than XXXXXXXX XXXX  after last call ) : I told my story, he said he would transfer me to a supervisor, the next person I received was speaking XXXX and was not a supervisor, transferred again. I had to provide the long story again to employee XXXX was reporting to be a supervisor. She explained that my payment was not in the system as an expedited payment, but was still in the system as being paid " in two billing cycles ''. She had no record of an expedited payment being put into the system during my call two days prior. She " assured '' that she now had it in the system and I would receive an " expedited payment '' that would take " XXXX XXXX XXXX XXXX  ''. 

This is over {$7100.00} that I blame Bank of America for taking from me in the first place due to not identifying on the statement website that I am setup for automatic payments. It's now three weeks after requesting my money and I have no confidence at this point that I will actually receive it in the next XXXX XXXX because everything they told me during the first five has been untrue. According to my phone log, I've also wasted XXXX XXXX of time trying to get my money back. At this point, I believe I should be paid penalties, interest, and reimbursements for my time and stress. It has caused me a lot of problems.
Consumer complaint received 2017-05-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (KS)

Hello I am a   XXXX   XXXX   XXXX   wife and mother. On  XXXX  I took out a loan for {$600.00}. Then another on  XXXX  for an additional {$700.00}. I paid on my loan monthly while I was working at  XXXX . When I lost my job in  XXXX  of   XXXX   I fell behind on my payments, I paid when I could. Later I found out none of my payments were going to principal. They were only being applied to interest. When I originally found out about the  Title Loan  company it was from a commercial. The commercial did not say if the loan is not paid off in 30 days that your repayment amount basically doubles and triples over time.
Consumer complaint received 2024-03-26
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2022-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX, 2022, I received a letter in the mail saying that a new Kohl 's card account ( issued by Capital One ) had been opened in name. I have never shopped at Kohl 's nor would I have the need to open a credit card with them. This card was opened fraudulently by someone that I don't know who used my personal information. Whoever opened the card made a fraudulent charge of {$83.00}. On XX/XX/2022 I called Kohl 's, and spoke to their fraud department. I explained that the card was opened fraudulently, and that I did not make those charges. This week I received a Bill from Kohl 's stating that I still have a balance on the card, and they added a {$29.00} late fee and a {$2.00} interest charge. I called Kohl 's again and spoke to someone in the fraud department again. Note that everyone that I spoke to with this company had a non American accent, so I assume that they are using an overseas call center. They told me the the investigation had been closed, and that they had determined that there was no fraud. I asked them to re open the investigation, and do a better job this time. This is very frustrating. It isn't a lot of money. I could just pay it off and ask them to close the account, but it is the principle that makes me want to continue. I feel like I have been violated, and that Kohl 's really doesn't care about me. I'm just an account number to them, and they just want their money.
Consumer complaint received 2021-01-04
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: Millco Management (NC)

I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to XXXX XXXX. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.
Consumer complaint received 2023-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

In accordance with the Fair Credit Reporting act Convergent, Capital One has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-08
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. (PA)

My name Is XXXX XXXX. I have sent numerous letters ( certified ) to Equifax Credit Reporter Agency, in regards to information ( 5 derogatory remarks ) from XXXX XXXX XXXX, that they have not " verified '' in accordance to FCRA Law through their investigative practices. I have sent 4 certified letters to Equifax about this matter They have responded each time, that their investigations of my complaints against XXXX XXXX XXXX, has been " Verified. '' In each of my response back to Equifax, I noted that " In accordance to FCRA section 609 ( a ) ( 1 ) A and section 611 ( a ) ( 1 ) A, Equifax has not supplied me with any original documentation ( including my signature ). Furthermore, under section 611 ( a ) ( 7 ) they had failed to provide me with any information regarding their verification methods. '' In my last letter dated XX/XX/2018, with regards to my pending lawsuit. It states that " Under section 611 ( 5 ) ( A ) of the FCRA regulations, Equifax has ( 15 days ) of receipt my letter, Equifax must delete any and all remarks, which could not be verified. '' Again, Equifax responded in a letter ( dated XX/XX/2018 Note : 16 days after the deadline! ) stating the XXXX XXXX remarks had been " verified. '' Included in my response was a copy of my latest XXXX   Credit Report 's investigation of the same 5 derogatory remarks by XXXX XXXX that had been " deleted '' through their investigations. Also at Equifax 's behest. I included a filed Police report of fraudulent activities against XXXX XXXX XXXX for unsubstantiated negative remarks on my credit report. This is my " Final '' attempt to resolve this issue amicably. I will seek financial relief through my retained attorney in response to their unverified methods. I want to thank you for your assistance
Consumer complaint received 2022-11-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX