davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (PA)

On XXXX XXXX I went into XXXX XXXX BMW to lease a new car. I test drove a car and filed out an application and then was told my the sale advisor that the finance dept is closed that they will call me on Monday XX/XX/XXXX to run my credit and get the process going. Monday XXXX called me and informed me that BMW didnt approve me and if I had a co signer. At the time I didnt so I called me back to request to pick up my check that I left for a deposit of {$1000.00}. On Wednesday XX/XX/XXXX I got noticed from my bank that the dealership cashed my check. I told with XXXX asking him why would they cash it if I was denied a loan/lease. He told me that once funds go too billing they deposit everything and that he will contact them to get me a check and they would mail it to me. I called few times and on Saturday XX/XX/XXXX I spoke with XXXX who and he informed that he signed off for me to get a check. I never heard or received the check and today is XX/XX/XXXX. I email the DM this morning and expressed my issue and that I would be there today to pick up. I got there at XXXX and XXXX informed me that he have to check with the finance dept and he will give me a call tomorrow at XXXX. I dont understand why would they cash my check if I wasnt approve to get a car. I feel like Im getting the run arounds about my money and how would they not give me my check/money back and its been 2.5 weeks and nothing yet.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I have a Mortgage with JP Morgan Chase Bank NA for my property at XXXX XXXX XXXX, XXXX, NJ XXXX. 
Account No XXXX. 
My insurance expired on XXXX i have email/ mailed/ faxed them my current insurance invoice numerous times. They never paid that invoice and have taken a very higher amount insurance on my property, which will raise my monthly payment very high. 

I called there number it all machine no live person to explain the situation. 

I need help to solve this problem i can not afford higher payment. 

XXXX XXXX
Consumer complaint received 2020-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed several disputes online from my credit report with TransUnion. None of those disputes appears in the history in TransUnions Online Dispute Service. 
The sites homepage states To submit a new investigation, click on the New Investigation link above. But there is also no New Investigation link. It is very frustrating as TransUnion has made it impossible for consumers to dispute, thus creating an unfair advantage for information furnishers who can easily report anything with impunity.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (WA)

My partner and I bought a house in the XXXX redevelopment area in XXXX, CO in XXXX. Right after we signed these mortgage documents, our loan was sold to XXXX. Unfortunately, our house was foreclosed in XXXX. We never received any documentation as to the loan being transferred to another company or any other subsequent companies. My partner filed Bankruptcy while we still lived in Colorado and I did not. We were told by the attorney that his bankruptcy would take care of my obligation. The only loan related to this house that appears on my credit report is the original XXXX loan. I find it suspicious that XXXX held the loan for 4 years and never once contacted me? And then the loan was transferred to XXXX in XXXX and they never contacted me for more than 4 years? It seems to me that they have failed in their process to notify me as the consumer of further debt obligations. Please help!
Consumer complaint received 2020-02-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (WA)

On XX/XX/XXXX ( about XXXX XXXX ), " a white bald male walked up to the front door shouting out XXXX, XXXX ... without knocking '' per the owner of the house. The owner of the house heard voices and walked towards the door. As the owner approached the door to look at the peephole, the white male reaches in to knock loudly. The white male asked for XXXX, the owner of the house told him that I don't live there ( although I have permission to use the address to receive mail ). The owner of the house then asked what this is about, the white male introduced himself as a debt collector for XXXX and he trying to collect {$600.00} debt supposedly by XXXX. The owner asked the mail to be left at the front door but he refused to leave the mail due to the fact that I do not live there. I am homeless, I asked others to use their addresses to get employed. Luckily I was able to get employed a warehouse averaging 28 hours a week at minimum wage ( a seasonal job that I was hired on XX/XX/XXXX ). The debt collector has caused a scare to the owner of the house, I was phoned by the owner of the house to make aware of what was going on and he then requested that I stopped using his address. The debt collector has volunteered my personal to the owner of the house to cause more hardship to my life and his approach was very unprofessional and scary. The collector scared the owner of the house with his very very unprofessional approach. Im not even sure who it was. Please help
Consumer complaint received 2020-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (WA)

I am trapped in my pay day loan. I called to let them know that I had lost my job and that I am looking for another job. But to my surprise, I see charges and interests that keep increasing. I called to negotiate to find an option that could stop this, but unfortunately they are not ready to help me. This is why, I come to you who have this great responsibility in order to help me to regularize this situation which becomes stressful and embarrassing. Thank you
Consumer complaint received 2020-07-30
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: SYNCHRONY FINANCIAL (CT)

I've made several phone calls to the bank listed as well as XXXX XXXX and the credit department 's due to a credit card application which was approved and shortly canceled once I called the fraud department ... an inquiry was made on XXXX- XXXX XXXX and I believe on XXXX XXXX which was not at all my doing ... .I 've complained about the inquiry showing on my credit report since XXXX..I 've also made several calls and " they '' always tell me to call the next person/company am not getting any positive results especially since we know it was fraud and the account has been closed I ahouldnt wait the inquiry wait limit for it to drop off
Consumer complaint received 2023-03-24
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-11-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TN)

On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement.
Consumer complaint received 2020-02-23
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hampton & Hampton Collections LLC (NV)

I received letter on XXXXstating i owed {$15000.00} in violations, starting from XXXX ( no " violations '' XXXX to XXXX ) .never heard of this before. I have asked 6 times for ALL documents, they say they do not have any, nothing in " my file '' and " what documents? '' after I requested waiver of ALL fines, they sent me letter : they took off {$14000.00} in fines now I " owe '' {$1000.00}, it must be paid by XXXX XXXX OR they will put back the {$14000.00} in fines.and if I have " repeated violations '' of previous infractions will result in the full amount of the fines being reinstated. 
This is complete blackmail and extortion. i do not know what so called " violations '' they are referring too, they sent me two different bills, with different dates and different amounts, when i email questions, they never answer. i have asked 6 times for information and documents. if " they '' deem a repeated violation they will charge me {$14000.00} again, which i do not owe. this is completely illegal. 
they have violated 8 prohibited practices for collection agencies XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Received a XXXX day payoff quote, sent payment for the total amount due. Payment due date has historically been the XXXX, payment received and processed by Capital One by the XXXX of XXXX. 

XXXX of XXXX, received an interest fee of {$78.00}. Spoke to a supervisor this morning ( the XXXX ) and was told there was nothing they could do. In contrast, I was also told they could help, just not in this situation. 

My entire balance was paid off, I went into the next billing cycle with a credit balance, and was charged interest. This is predatory at best.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (IL)

The company World Finance Corporat is attempting to collect a debt from me which is not mine. The following account is not mine nor is it associated with me and I would like the immediate remove of these account ; XXXX
Consumer complaint received 2020-02-23
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: Experian Information Solutions Inc. (GA)

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.
Consumer complaint received 2020-02-23
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: EQUIFAX, INC. (GA)

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX XXXX Account # XXXX** for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX*** for the amount of {$1300.00}, and XXXX XXXX-XXXX XXXX Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed. 

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation. 

I have also sent letters to all three bureaus twice disputing this same information.
Consumer complaint received 2020-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (GA)

FFAM Account # XXXX Claimed amount : XXXX Notice came on XX/XX/XXXX. 

FFAM claims I owe debt to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. I initiated a charge back against XXXX for renting a poor quality vehicle in early XX/XX/XXXX. Apparently XXXX turned the charge back over this debt collection agency. I have contacted XXXX but have not heard back. I am disputing the validity of this debt.
Consumer complaint received 2020-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a problem where the original creditor and the collection agency are reporting the same balances on all three credit bureaus. XXXX XXXX-XXXX  XXXX Account # XXXX for the amount of {$1100.00}, XXXX XXXX-XXXX  Account # XXXX for the amount of {$1300.00}, and XXXX XXXX-XXXX   XXXX  Account # XXXX for the amount of {$1100.00} was sold to XXXX XXXX XXXX collection agency under the same account numbers and balances owed. Both the original creditor and collection  agency are still reporting this information to all 3 credit bureaus and the credit bureaus continue to report this knowing that under the FCRA, if a creditor sells a debt to collections, then it can not continue to report a balance owed.

Additionally, I previously requested that XXXX XXXX validate this debt they claim I owe and I never received validation confirmation.

I have also sent letters to all three bureaus twice disputing this same information.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

We ( XXXX & XXXX XXXX ) have had service from XXXX for over six years. In XXXX, XXXX XXXX XXXX bought out XXXX, and we continued service with them. In XXXX, we decided to change service to XXXX, notifying XXXX XXXX XXXX  that we were doing so.The contract states that a termination fee is assessed if service is discontinued in less than one year. XXXX XXXX XXXX sent us a bill for XXXX noting termination fee. We responded with a note indicating this was not a valid invoice, because we had their service for more than six years, and it did not apply. XXXX XXXX  XXXX responded by turning the bill over to a collection agency, Credence Resource Management. To avoid any further harrassment or possible intimidation, we relented and paid the XXXX, and wanted to forget the whole thing. Credence responded to this by sending another bill for XXXX and an additional bill for XXXX, with no explanation. Since then we noted that the original check to XXXX has been processed by our bank, but we beleive that XXXX XXXX XXXX is fraudulently engaging in this similar activity with any of their customers who decide to discontinue service.We are also notifying our OHIO attorney general of this activity, and we are going to pay the additional XXXX to avoid any further harrassment.i
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (CA)

XXXX XXXX XXXX Balance Owed : {$570.00} LENDMARK XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.
Consumer complaint received 2020-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.