davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (CA)

I purchased Gap Insurance for my XXXX XXXX XXXX. My car was a total lost by XXXX insured : XXXX XXXX ( Claim number : XXXX ) Date of loss : XX/XX/XXXX Date of mailing : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX to submit salvage amount. XXXX has completed request last year. XXXX XXXX XXXX XXXX , XXXX has not made the adjustment to my credit report. They have the police report and has allowed the car to remain at the tow yard since XXXX. 

I can provide correspondence of me asking what next and schedule phone calls. XXXX XXXX XXXX XXXX , XXXX has not reached out. 

" Dear XXXX XXXX XXXX, XXXX : Per our conversation today XX/XX/XXXX I am confirming XXXX XXXX XXXX did `` not '' owner retain the XXXX XXXX XXXX Vin # XXXX. There was a Policy Limits issue. Our insured 's policy limits was a policy max of {$5000.00}. We did " not '' pick up the vehicle from XXXX XXXX XXXX. The settlement letter reflects a salvage amount, however XXXX XXXX did " not '' retain the vehicle, and XXXX did not salvage the vehicle. This vehicle was not picked up due to avoiding any of the {$5000.00} being reduced from CarMax 's amount. The max was paid to CarMax. No salvage was taken, I do understand it is listed in my breakdown, it is listed to show what the salvage " could have been '' only. 

Sincerely, XXXX XXXX Claims Team XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I do not owe a debt. If you answer the phone it disconnects. If they leave a voicemail and you call the number back it disconnects. After reading similar complaints this is a scam and they just won't stop the robocalling. This is getting very annoying and needs to be stopped. The message says : " This is receivables management partners LLC calling this call is from a debt collector please call us back at XXXX again the number is XXXX ''. Message left XX/XX/22 - XXXX The same message but with the phone number of XXXX on XX/XX/22 XXXX Same message from XXXX left XX/XX/22 XXXX Same message from XXXX left XX/XX/22 at XXXX Please let me know how to get this scammer to quit calling my cell phone number. 

Thank You,
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX has 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 2019-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (CA)

https : //www.dbtsolutions.com//contact-us.php Debt Recovery Solutions Toll Free Telephone Number ( XXXX ) XXXX Mailing Address : Always include your account number for reference XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Chief Compliance Officer XXXX XXXX Certification # XXXX Company Certification # XXXX -- -- -- -- - THAT IS THE COMPANY INFORMATION -- -- -- -- - THIS DEBT IS NOT MINE THIS DEBT IS VERY OLD IF IT IS MINE AND WAS PAID, YEAR - XXXX OR XXXX THIS COMPANY IS LYING AND IS PURPOSEFULLY PUTTING THIS ON MY CREDIT CREDIT REPORT AND I WANT THE COMPANY FULLY AND MASSIVELY INVESTIGATED THIS IS A LIE THIS ONLY APPEARS ON 1 REPORT XXXX  AND NOT THE OTHERS THEY MANIPULATED MY CREDIT REPORT I WANT THEM OUT OF BUSINESS
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient is reporting my student loan current on time for the months XX/XX/XXXXXX/XX/XXXX then in XX/XX/2018 Navient reports the same account 90-120 days late. 

How is the account on time, by Navient 's own reporting, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and  XX/XX/2018 then 90-120 days late XX/XX/2018? 

Navient is violating the FCRA yet continues to verify these lates with XXXX, XXXX   and XXXX XXXX. 

Navient then reports the account 90-120 for the months of XXXX XXXX-XXXX XXXX   when it was on time. 

There are thousands of complaints like this regarding Navient and they are damaging my credit, impeding me from buying a house. 

I want Navient to explain to the CFPB how the account is on time the previous 5 months of XX/XX/XXXX mentioned above then 90 days late the next month?
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (NY)

I leased a BMW XXXX for my company at XXXX XXXX BMW of XXXX, located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. But, the service company is BMW Financial Services NA , LLC. The lease period is 36 months ( XX/XX/XXXX to XX/XX/XXXX ). I prepaid {$30000.00} at the beginning of the lease, and the monthly payment is {$400.00}. This SUV was totaled because of an accident on XX/XX/XXXX. 

I have paid the total amount is {$35000.00}. ( Prepayment $ XXXX months ). The total payment ( contract amount ) for 36 months at the end of the lease is {$45000.00} ( Attachment 1 ) The payoff amount of my BMW account is {$48000.00} on XX/XX/XXXX, ( Attachment 2 ), and the insurance settlement amount from the total loss is {$70000.00}. ( Attachment 3 ) So far, I finished all my liabilities depending on the lease agreement. I asked the BMW XXXX to refund me {$19000.00}, which I prepaid and BMW FS didnt service, but BMW XXXX refused. They only offer a {$10000.00} ( 50 % of what I deserve by the payoff method ) Loyalty Payment Credit with many unfair terms.

-- -The Loyalty Payment Credit amount can be up to 50 % of the amount remaining after subtracting your contractual Lease payoff from the insurance settlement resulting from the total loss. The Loyalty Payment Credit can not exceed 50 % of the total monthly payments on the new lease or finance agreement. ( Attachment 4 ). 

This offer is unreasonable and unfair. What is the offer based on? Why is it up to 50 %? The offer also asked customers to use the Loyalty Payment Credit for 1 year with monthly use limited. Whats the interest rate? What can customers do if the customers dont want to lease or finance the vehicle again? BMW XXXX forces the customer to accept this unfairness. 

So I rejected this unfair credit offer. 

I tried to discuss this with BMW FS by phone. I also tried to solve this problem through XXXX The BMW FS still refused to refund the money I deserved. ( Attachment 5 ) I replied to the XXXX about why I rejected the BMW FS. ( Attachment 6 ). And XXXX said they couldnt solve it and recommended CFPB.

I hope BMW FS can refund {$19000.00} the money I deserve soon.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The XXXX XXXX  was repossessed on XX/XX/XXXX according to Capital One Finance. This repossession has been reporting on my credit report as a collection/ charge off. 
I first called them in XXXX asking for these documents and they told me that they didn't have the 1099-C because they hadn't written the debt off yet even though it's reporting as a charge off. 
I also asked for a copy of the Notices to sell and resell letters and they said they don't have that. 

I sent my first letter to them dated XX/XX/XXXX asking them for ; 1. the original contract with signatures on it. 
2. Audit trail. 
3. Auction Information 4. 1099C They responded with a account history and a unreadable copy of the contract. 
I called them on XX/XX/XXXX and asked for the same documents again and for them to include a readable ( Larger Copy ) of the original contract and was told they would send all the information. On XX/XX/XXXX I received a letter titled Confirmation of repossession. On XX/XX/XXXX I received a letter titled YOUR CREDIT BUREA REVIEW REQUEST, another one titled YOUR REQUESTED DOCUMENTS, EXPLANATION OF CALCULATIO OF DEFICIENCY, EXPLANATION OF CALCULATION OF DEFICIENCY WITH NO READABLE CONTRACT. I also followed up with my 2nd letter to them dated XX/XX/XXXX
Consumer complaint received 2022-05-24
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. (NV)

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My money was mishandled in a lot of ways My deposits were not handled right. I was missing thousands of dollars at XXXX point I withdrew money and they have me less. Had to go back to inquire about rest. My account was XXXX less then what it should have been. Excess fees on my account. I tried talking with back to have my money returned but to no avail. It was just ridiculous. Then they closed the acct on me.
Consumer complaint received 2024-03-13
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-24
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. (FL)

I sent a letter on XXXX XXXX to remove ; 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 XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$530.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after theXXXX XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2022-05-24
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. (IN)

These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 Dear Vice President XXXX Re : Failed XXXX Money Transfer I write with reference to the above subject matter and wish to inform you ( after several attempts in my representation to your office ) that I am yet to receive a refund of the sum of ( {$860.00} ) XXXX XXXX and XXXX dollars and XXXX XXXX  that was to have been transferred by your XXXX department XXXX XXXX XXXX XXXX XX/XX/2022, on my behalf. 
On XX/XX/2022, I submitted a claim through your good offices for a refund of the said amount that was said to have been transferred to the wrong recipient through a wrong email address apparently found on your record for XXXX XXXX. And this has been the claim of your bank that the money was sent through an email, therefore, it wasnt the organizations fault. Notwithstanding, the bank promised to institute an investigation. 
Now, to start with, this was not the first time I had transferred money via XXXX through your bank. It is on record, that before the bank became known as TRUIST, all the XXXX transfers that were done through the then SUNTRUST Bank, including those to XXXX XXXX, were done through the recipients telephone numbers and never through their email addresses. 
Secondly, suffice it to say, that if the money was sent through the wrong email address, and it did not return ( so-called XXXX email ), then it means some real person living in the United States and precisely in XXXX  may have received the said amount of {$860.00}. So why has the bank ( in a manner of DISCRIMINATING AGAINST me, being a defenseless consumer ) decided to carelessly close the so-called investigation without trancing who had received the said amount and then refund my money? 
And in my last telephone conversation with one of your staff, yesterday, XX/XX/2022, representing your fraud department, she was asking me whether I issued a check for the same amount to the same recipient- XXXX XXXX who was supposed to have received the XXXX money transfer payment since XX/XX/2022, implying that as a result of that, your bank had considered the investigation closed without refunding my money to my account? What callousness? 
However, I got her to understand that I had been under pressure from XXXX XXXX for his money. Therefore, I had to issue a check to honor his payment. And that I even wrote on the face of the check in lieu of the missing XXXX payment so that the bank will know that the payment made by XXXX was yet to be refunded to me. 
In conclusion, I have taken my time to write to you as the representative of the Bank at my local branch and to copy the Consumer Financial Protection Bureau ( CFPB ) for urgent redress of this matter. I look forward to hearing from you as soon as possible. 
Thank you. 
Sincerely, XXXX XXXX.