davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (CA)

Hello, In XXXX of XXXX I wanted to trade my XXXX XXXX in for a XXXX. I wanted the same exact car, with the same upgrades re XXXX XXXX, XXXX XXXX, XXXX XXXX etc. When I called to begin the process I was told that my sales guy, XXXX XXXX, had had a XXXX and that he was unavailable. They promised to " take care of me. '' They did not. I went to the XXXX XXXX, CA dealership where I had purchased my XXXX XXXX from XXXX and they introduced me to my sales person, I had spoken with him on the phone prior to arriving and I told him what I wanted and he said they had it - " same color, same upgrades, everything. '' Since I had such a great experience with XXXX, I trusted this guy. We did the paperwork, and I left with the car. On my drive home to XXXX XXXX I felt that the leather was not the same as in my XXXX - the XXXX XXXX. Long story short, the next morning I researched the vehicle through my friend XXXX XXXX, who was the XXXX at XXXX XXXX XXXX, and he called his friend at BMW and the BMW representative told him that they sold me a base model. They totally lied to me and did not give me the car I requested. I immediately called them and told them I wanted to return the car and get what I wanted. They flat refused. I tried for a few days to get them to work with me and they would not. I was crushed and thought I had exhausted all my resources and so I went and voluntarily repossessed the car. It has been on my credit ever since and has caused me major issues i getting credit, buying property, and more. I only just this morning learned of cfpb from my sister, hence my filing this report six years later. I also plan to pursue legal action, as I understand I have rights in this type of situation from a legal perspective, as well. I have tried many times since XXXX to get BMW to remove it from my credit, but they flat refuse to do that either. BMW and BMW Financial took advantage of me and sold me somehting I did not want or ask for, but was told it was what I wanted when it was not.
Consumer complaint received 2018-08-28
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: Experian Information Solutions Inc. (WA)

My credit has been due to fraud Number of recent serious delinquent inquiries on credit bureau reports need to be removed off individual my credit report within 30 days without proof of original document. 
false Length of credit record Insufficient false payment activities on my statements on my credit report
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

Santander Consumer USA is reporting incorrectly to XXXX  ; XXXX  and XXXX a charge-off on the SANTANDER CONSUMER USA account number XXXX. ( Please see page attached from my credit report. ) Santander misappropriated a payment that caused the late unnecessarily. By not correctly applying my payment, this error has started a chain of events that is seriously harming my credit score. This account is currently reporting as a charge-off. I have the vehicle and I make the payments on time. This account needs to be updated to report accurate information and/or deleted. I have contacted Santander as well as the ( 3 ) credit bureaus to resolve this incorrect reporting however, I have not been successful.
Consumer complaint received 2019-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting incorrectly a past due of {$730.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) It was stated to me that the dental procedure I had agreed too would not exceed {$900.00}. I paid the balance in full, and therefore there is no outstanding balance due and nothing to report as past due. This incorrect reporting of a past due on my credit report is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-02
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX and XXXX account # XXXX and XXXX  account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX and The Federal Trade Commission.
Consumer complaint received 2019-09-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc. (NY)

XX/XX/2019 Called my employer XX/XX/2019 Called my employer XX/XX/2019 Called my mother Delta Management repeatedly call and harrass my family and employer asking about me, if I work there, how to contact me. They do not identify themselves by the company they work for they will just identify themselves by the name of the person servicing the call. Currently my wages are already being garnished by a student debt collector and now another one is after me? When will this stop? I have almost no money left to live on and they give almost no information. I didn't even take my loans out from this company, it's a servicer and they keep calling and asking my employer about me. I'm really worried that i am going to lose my job because of this. These debt collectors for my student loans are ruining my life. My loans have been in and out of default for years, I can't even crack the principal of the loan if I tried. I know I know they've sent paperwork to my employer but I'm not sure what to do about it ... I'm so scared that they are going to take EVEN MORE MONEY from me.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (AR)

On XX/XX/XXXX I returned some tools to XXXX and they was paid for with my Bluebird card so XXXX put the money back on my card so next morning XX/XX/XXXX when I seen money wasn't on my card I called the and here what Bluebird is telling us is that XXXX made a mistake or a error when they tried to put money back on my card they didn't and only to take out the same amount again and Bluebird even told me that might not get money at all and there isn '' t nothing they can do but when I called XXXX and ask them they called Bluebird on the phone with me and Blue bird tried to lie again but the lady from XXXX let them know she been listening to mine and their call and thats when they bluebird finally told me for first time was that the whole mistake was there mistake and said it could take 8 days for the money to return to my account ... .. But wait this isn '' t the first time they have done this to me last month the same thing happen the whole thing until XXXX call Bluebird on phone with m e on line with them I believe that this company is just holding up our money just to draw interest on it and another is try and call bluebird 1 number don '' t work and the other hangs up ( by itself on their cardholder ) and last times it took 3 days for me to get my money and thats what I been told this times until today now they said didnt know when
Consumer complaint received 2019-09-24
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: Experian Information Solutions Inc. (MO)

Experian and XXXX are reporting incorrectly a past due of {$730.00} on the XXXX  XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) It was stated to me that the XXXX procedure I had agreed too would not exceed {$900.00}. I paid the balance in full, and therefore there is no outstanding balance due and nothing to report as past due. This incorrect reporting of a past due on my credit report is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-13
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-27
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. (TX)

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2019-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

While checking my credit report I noticed three collections by a company called ARS that i was unfamiliar with. I disputed these collections with XXXX, and XXXX and they both replied that they contacted the creditor and the creditor verified the debt so I asked for proof which both bureaus replied that they are not required to prove anything. I then mailed a certified letter to ARS requesting proof of the debts n the form of an original aggrement, or a proof of a right to the debt, or even so much as the process as to how the bill was calculated, to which I was simply replied a letter for each collection claim that listed my name an account number and an amount with no other information to verify the debts after I sent a clear notice to provide me evidence. Afterwards I recontacted both XXXX, and XXXX, to redispute on the premise that it is not my debt if evidence can not be drawn up, I feel as if I am being personally victimized by ARS on my credit report for debts that are not owed to them or any party for that matter, and I feel discouraged that the credit bureaus who control many aspects of my personal finances are so negligent about my information.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

CEASE AND DESIST I am writing to inform Truist Bank that I am making every effort to pay my mortgage. It is a simple interest loan and there is no prepayment penalty. 

Per my statement dated XX/XX/XXXX, my account balance was {$110000.00}. I submitted a payment on XX/XX/XXXX for {$110000.00} in XXXX separate payments of {$99000.00} and {$12000.00}. I purposefully paid this amount because I did not know when this would be credited to my account and I am aware that mortgages are paid in arrears. Meaning : I would owe additional money for the interest accrued until the payment was received. This would have been paid upon Truist receiving my XXXX or XXXX payment of {$850.00} depending on how this was credited to my account. They would then refund the difference. It is simple math. 

The calculation for interest owed was {$110000.00} x XXXX = {$15.00} per day. As an example, if I paid the balance on XX/XX/XXXX, 18 days of interest is equivalent to {$270.00}. Since my payment on XX/XX/XXXX was {$54.00} higher than the balance owed. This number should be subtracted from the interest due for a balance of {$220.00} ( plus interest until paid in full ). 

On XX/XX/XXXX, I returned Truist 's check of {$99000.00} to my branch on XXXX XXXX, XXXX SC. It was directed to my mortgage at this location. 

I will not pay anything additional to my mortgage except the interest due after the original {$99000.00} payment received date of XX/XX/XXXX. I have made every effort to pay Truist Bank {$99000.00} and you have willingly returned my payments. If the XX/XX/XXXX payment to my mortgage through the branch is refused, I will deposit these funds with XXXX XXXX XXXX  and I expect a loan satisfaction letter from Truist Bank. 

Finally, I will not pay a recording fee for {$10.00} as this was never disclosed during my loan application. 

This is final effort for your understanding
Consumer complaint received 2019-05-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

On XX/XX/XXXX I closed escrow on my property ( XXXX XXXX XXXX, XXXX, Az. ). The prior owner was in foreclosure, however funds from the sale of he property satisfying his outstanding principal balance were wired to his mortgage company ( Lakeview Loan Servicing ). 

Lakeview failed to advise the local trustee that the debt was satisfied, and the trustee subsequently executed a trustees sale. This act of foreclosure was taken against me even though I did not and had not owed a debt on the property that had defaulted. 

In XXXX of XXXX I was served with eviction orders by the third party who purchased MY property at trustees sale for about $ 170k. I was forced to engage counsel and defend my right to occupy the property I had purchased fair and square. At that time, I was forced to file a prior CFPB  complaint in order to get someone from Lakeview to respond to my many inquiries. A compliance manager from Lakeview reached out to me, and for a short time it seemed like the mortgage company would be working to resolve an obvious error on their part. 

Fast forwarding to XXXX of XXXX, I am still in danger of being evicted from a property I purchased fairly because Lakeview Loan Servicing has been and continues to be incapable of giving the matter any reasonable attention. 

All I want is for Lakeview to PAY ATTENTION to my issue. I want them to work with the third party who purchased the property at the improperly executed foreclosure sale in XXXX, and get my name and my family out of the way of eviction proceedings. Ive been treated indifferently at best, and would say that Lakeviews negligent and inappropriate handling of my situation is the exact reason a body like the CFPB exists.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

I first received a medical bill from PHOENIX FINANCIAL SERVICES LLC, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of XXXX services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP (WA)

Several weeks ago I was given information by a Key Bank agent regarding a new checking account and an available {$300.00} promo. I took said advice, alas, as it turned out the agent led me astray. 

I then talked to various Key agents ( weeks after I initiated the promo ) including a supervisor and a local branch manager to no avail. The branch manager states that there is no one to attach the problem to, as there is no way to retrieve the phone call in question with the Key agent who said I was literally " good to go '' in terms of the new account promo. 

Please note : I followed the Key agents precise instruction/advice as it pertains to the promo ; they gave me that information after looking at my former account with Key which I had to close due to an inability to log in online at the time. As it turned out, my online problems were apparently due to the a bank merger they were going through, but by the time I connected the dots, I had already closed my account. 

I have included an exact copy of a letter that I gave to the bank on XXXX XXXX 2017 ( the branch manager said it would be a smart thing to do so that she could forward it to someone higher up ) Lastly, I just talked to XXXX, the local branch manager at my Key Bank ( at about XXXX today XXXX XXXX ) and she bluntly stated that I can further escalate this issue ( I asked and received a phone number to call ) but she said I will get a " no '' in terms of help. Her confidence about my situation being a lost cause ( my words ) makes me feel even more eager to escalate matters.
Consumer complaint received 2019-05-01
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. (GA)

There are inquiries reporting on my credit file that does not belong to me. Neither was the inquiries authorized by me. Please assist me in removing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

Date : XX/XX/2017 Description : XXXX closed my credit card account yesterday without giving me a reason. I was so shocked because i do treat my first discover credit card as a treasure.I keep using it very carefully, such as making payments in time, never had a late payment. Right now my credit limit is {$2500.00}, and i always keep my balance under {$1000.00}. So i really have no idea about why the company closed my account. My FICO is XXXX, i ca n't see any reasonable facts to close my account. 

Thanks a lot!!
Consumer complaint received 2024-03-03
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. (FL)

accordance with the Fair Credit Reporting act, the list of account below : XXXX XXXX XXXX XXXX violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights. 15 U, S.C 1681 section 602A. States ( have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. P15 U.S. 1681g. ( 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 ) ( a ) 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. Delete the accounts below : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (MD)

I first received a medical bill from XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of medical services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
Consumer complaint received 2019-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KY)

In 2017 and currently ( two separate occasions ) this company has unfairly and incorrectly handled my credit information. 

Most recently I made an attempt to call FEDLOAN Services and spoke to a representative. In which we discussed the amount and date of my current student loan. 

Because of a job switch I communicated that I needed to change the date of this specific payment. 

To which I have just checked my credit score ( after years of trying to rebuild from their first error fresh out of college ) and they have reported my loans 31 times.