davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (IN)

On my very first payment I attempted to send in, I had the account number off by a digit and did not realize it. I was not made aware of it until it was too late. I corrected it immediately. I own over 10 cars, literally I have more than 10 loan payments every month that i keep up with. I understand this is NOT BMW financial 's fault, so i wrote a letter and just asked for forgiveness for this one misstep. Since then have I made every single payment on time as promised and will continue to do so until the vehicle is paid off. 
I know they will tell me that they are required to report accurate information to the credit bureau, but i also know there is a way they can forgiveness if they choose to help me out. I have seen it done in the past and i have a perfect payment history other than that first blunder and will keep it this way. I am just begging for forgiveness.
Consumer complaint received 2023-09-06
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5700.00} XX/XX/XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (FL)

You are using Color of Law to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.
Consumer complaint received 2023-09-06
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. (GA)

I request for company yo be removed off my credit. I did not give consent to XXXX XXXX. I have confirmed that I did not give them any consent to report. A representative told me to file with credit Bureau. I would like for Transunion to honor the 15 USC 1681b no consent matter as they have not
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

I have been depositing this reoccurring checks from my employer for about 3 to 4 months now. I have a loan through this institution of about XXXX. I have been making on-time payments to my loan Ive been a member with the company for roughly 6 months to a year. After relay my current situation I was told by XXXX on XX/XX/XXXX at XXXX XXXX  that my funds would be accessible by XXXX XXXX  XX/XX/XXXX. By XXXX XXXX  XX/XX/XXXX my phones were still unavailable. ALL of them leaving me to contain to wallow in a residence that does not have any power. XXXX XXXX claims no search conversation happened. I need to file a report
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX car dealership ran my credit through tons of loan/banks, capital one was one of them. Capital one wrote two letters and said they would take them off my credit report. Capital one auto wrote the letter on XX/XX/2021 and they are still on my credit report. The letters are attached.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TN)

I still disagree that my balance is incorrect and researching with the information that the government site provides, I was able to realize that they placed my account into forbearance numerous times, sometimes for only one day and then the amount of times my account had capitalization doesnt add up. I want statements with all of the times my account was placed into forbearance, all of the times it had capitalization, all of the reasons and all of the times my account was moved into/out of payment plans. I also want to know how many payments count towards each loan. Its crazy I have paid on these for a decade almost and owe quite more than I borrowed.
Consumer complaint received 2023-09-06
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. (NJ)

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 XXXX Account Number : XXXX Account Name : DEPTEDXXXX 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 2023-05-30
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: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the accounts on my credit file. I demand the immediatecorrection of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. The following accounts should be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Upon reviewing the county clerks website for mortgages and deed. I found the attached stating. I was granted a modification in XXXXXXXX XXXX XXXX with the amount owed from the forbearance put to the back of the loan.. XXXX. What is so puzzling I have not signed any mortgage modification papers since XXXX. That modification I was in a disagreement because the modification I signed stated. I had to pay XXXX up front which I could not affordthat was in XXXX. I never signed any agree In XXXX. If I did I wouldnt be going through this back and forth. I would be making my payments. And I couldnt make my regular payments unless I was to give the XXXX XXXX  first which I did not havethe date on the notary looks altered so that means I would only be behind from last XXXX. Until now which Rushmore says I owe over XXXX XXXXXXXX. Lets get to the bottom of this.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (MO)

I was looking to purchase a brand new XXXX XXXX. I was planning on paying cash, but the week before, my vet told me some bad news and my dog needs XXXX of thousands of XXXX. I decided to see what rates were available to me with my credit score, I tried my credit union and heard back from them that afternoon. I also applied at Kia corporate finance, through their website. Upon submitting my information, I printed the " success '' page. This page clearly states " Your application is being reviewed and we will notify you at the email address you provided when your decision is available. '' This was all 4 days ago. I have not heard any information from Kia corporate, but I did get a TON of text messages and phone calls the following morning from my local dealership. I asked them why they were contacting me, and they said its because I filled out a finance app. I did not want my personal information going to some random dealer, so I was very confused as to how they got the app results and I have not received them. The girl I talked to at the dealership said I can go in and " sit down and discuss the app '' with the finance manager. I asked that she just send the documents and that they were not supposed to have them to begin with. She said no, they can't send them, and I MUST go in and talk to the finance manager. 

I called Kia Finance, which seems to be a different company than Kia. I first attempted, at their request to resolve my issue through their website, however, the URL on the recording goes to a dead site. After waiting on hold for extended periods several times, I spoke to someone. I explained what was going on, and she suggested I go talk to the finance manager. I was more than adamant that these documents need to be provided to me, whether it's electronic or snail mail. She hung up on me.. 

To this day, I do not know the results of my app, nor do I understand what has happened with my personal information.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

This company has called me at least 7 times a day every day for the past few weeks. I work during the day and a lot of my work is done on my cell phone. The same phone they have been calling back to back to back. They even block their number and call me. Im only a month behind on a payment, them calling me non stop does not change my ability to many a payment. It actually makes it harder because its tying up my line having me miss work calls and stresses me out to the point Im not mentally motivated to work because they keep calling. I can screenshot my call log as proof. They have multiple numbers they call from. They called me on XXXX XXXX, on Sundays, on Saturdays. My daughter who is school, finance, and friends dont even call me that much. That has to stop!
Consumer complaint received 2022-11-24
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. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 2023-02-22
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: EQUIFAX, INC. (GA)

Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-06
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. (SC)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 2023-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

This company has admitted that it does not believe that the XXXX XXXX XXXX debt is mine and this it is fraudulent, but still keeps reporting it to XXXX which is affecting my overall credit score. The debt is from XXXX and was obtained across the country from where I live. I live in XXXX Alabama on the XXXX XXXX and have for almost 30 years, the debt was from somewhere in Michigan, an area of which I have never even traveled to. I want this harassment to cease and to have the company stop reporting in the collection on my credit report. 

This is the company attempting to collect the debt from me : CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-10-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Company has listed collection reports on my XXXX, XXXX, and XXXX reports. They have not provided documentation showing they have a legal right to pursue me for this alleged debt. They have failed to provide my original agreement with XXXX and they have also not provided a Bill of Sale from Creditor. Company must provide documents or remove accounts from my credit reports.
Consumer complaint received 2023-09-06
Product: Credit 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 (TX)

Approximately {$2000.00} was fraudulently used on my Capital One Platinum credit card between the months of XXXX and XX/XX/2023. I disputed these charges as soon as I discovered them in XXXX and Capital One stated there wasnt sufficient evidence to overturn their decision. Im XXXX  and live off my retirement checks. I cant continue to pay for something I didnt purchase.
Consumer complaint received 2023-03-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUCCESS MORTGAGE PARTNERS, INC (PA)

Success Mortgage Partners Inc. - Predatory Lender. 

I started my VA Loan in XX/XX/XXXX with Success Mortgage Partners. Loan was sold to XXXX Mortgage Co, and I applied for a forbearance with XXXX and was approved in XX/XX/XXXX due to some health issues etc. Mortgage was repurchased by Success Mortgage Partners in XXXX. Success Mortgage Partners refused to honor the forbearance and demanded immediate payment. They have called numerous times demanding payment, or they would foreclose. 

During this whole time, I have only received 2 mortgage statements ( XX/XX/XXXX and XX/XX/XXXX ). I thought it was federal law that a mortgage company had to provide statements and notices monthly. The one statement in XX/XX/XXXX showed NO Overdue amount. Then they called me at the beginning of XX/XX/XXXX threatening foreclosure again. 

I never receive any notices, it's always a phone call. They also never verify my identity when I call them. All you need is the loan number, and they divulge personal information without hesitation. They have also refused to pay my Homeowners insurance which was sent to them in XX/XX/XXXX and due to expire XX/XX/XXXX. 

Please Help. 

XXXX XXXX American Veteran
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

there's incorrect address, they collect information from fraud account my only address is XXXX XXXX XXXX XXXXXXXX pa XXXX I have called and dispute many time they do not show me their investigation methode I had dispute fraud account with those address without success