davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

My loan account with BMW Financial Services is past due for the months of XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX payment coming due on XX/XX/XXXX. A payment in the amount of {$300.00} was returned, the account it was scheduled to be drawn from was closed by XXXX XXXX, I received an email today on XX/XX/XXXX from the bank stating so and thus why payment was returned. XXXX XXXX is sending me a check for remaining funds which I will sign over to BMWF for payment on the account. I do not know the exact amount as of yet, I do not have access to account due to closure. Further, I am expecting a settlement check from Wells Fargo for a total amount of {$5100.00}, I have attached a screen shot of an email from an XXXX XXXX with XXXX XXXX detailing this information. The settlement amount is {$3700.00} and taxes are included for the total amount of {$5100.00}, this check will also be signed over to BMWF for payment and I was provided an address to send to via message on BMWF site. The estimated time frame I will receive check is by XX/XX/XXXX according to the email, I will continue to make payments via bill pay through my XXXX  account, I will try to cover the XX/XX/XXXX payment by XX/XX/XXXX but can not make any promises or guarantees. I am still without a phone to call BMWF directly, I do not know if it was noted or not about this, I did mention this fact in prior CFPB complaints. I request BMWF hold off on possible repossession, I will overnight the payments in order for them to post more quickly, if needed.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (DE)

In XX/XX/XXXX, I left XXXX XXXX XXXX carrier and thought that I would get better value with XXXX. When I came to XXXX I bought my XXXX XXXX to be activated. I did not like the service so I went back to XXXX XXXX XXXX. 

The telephone number I have owned since XXXX. It was explained that I would get a final bill and that would finalize account XXXX account ( XXXX ). I got the bill approximately 2 weeks later and paid in full. This account I was told was associated with XXXX XXXX XXXX. 

Every few months I would get a small bill that would still be due. I pay it and stills 8 months later another balance due, the way it is explained is that I don't pay by the next billing cycle on a close account which I was told was ( XXXX. 

On XX/XX/XXXX, I got another bill for {$370.00}. I called them again asking them t explain why did a balance due for {$370.00}. No one really gave me a satisfying answer. 

I paid the account not knowing at that time they were transferring the balances all along from a XXXX XXXX XXXX XXXX Account XXXX XXXX ) to me. The amount of {$21.00} as of XX/XX/XXXX, which they explained that its residual fees form my closed account ( XXXX ). 

XXXX said that Diversified Consultants are the ones collecting on the account and that I had to report and register a fraud investigation with them. I asked that this be removed off my credit file as of XX/XX/XXXX it is reporting that I owe {$370.00}. Diversified credit said is because I owe the XXXX and if I paid that they would remove. 

They are refusing to refund any monies ( XXXX and Diversified Consultant ) or take it off my credit file overthought they told me the balance was associated with XXXX XXXX XXXX XXXX not anything to do with XXXX as they originally told me. 

If I had not went into the store on XX/XX/XXXX, i would not have known that they were transferring someone-else balance to me and making me liable for it My resolution that I an seeking is to be refund all monies paid and delete this from my credit files.
Consumer complaint received 2022-12-15
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. (DC)

I submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX Balance Owed : {$5800.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2023-07-17
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)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On this complaint listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete.
Consumer complaint received 2022-12-01
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. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-03-26
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. (IL)

I have received letters stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency which I have not but there is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. Ive disputed this US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( XXXX AND EXPERIAN XXXX confirmed the public record was verified by the court. I asked XXXX and Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Reference number 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
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX. 
My friend has sent me {$1.00} XXXX which she used for validating ) and {$500.00} using XXXX to my Savings account which has been already closed and the account is linked to my old mobile number which was not in use. 
However, I received message from Bofa saying that {$1.00} has been credited with confirmation number # XXXX so she has sent the {$500.00} as well. 
But, it was never credited to my account because the account itself not exists ( which makes sense ). As well it never went back to senders account. 

XXXX XXXX. 
After many discussions with Bofa customer care center, we filed a claim expecting that money will be refunded back. 
But, on this day we got a letter saying, " We have completed our investigation of claim, our records indicates that we initiated the transfer in accordance with your instructions. As a courtesy, we attempted to work with the other party we were unsuccessful at contacting the recipient and your account will not be credited '' When account is not linked to my new mobile number and there is no account at all how can I receive a Confirmation from Bofa saying that money was credit successfully which made us make large amount transaction. This is a complete technical glitch from Bofa and they don't have an answer for this. 

XXXX XXXX. 
On this day I went to bank and speak to Bank Relationship manager, he made me to call customer care which I have already tried so many times and they were helpless and asked us to contact an attorney to get the permission to see who received those funds. 

XXXX XXXX. 
Today I again went to bank and speak to Bank Relationship manager, he called to customer executive and described the situation again they suggested to raise a claim. 
And as he said, we contacted customer care to raise a claim and they were asking us to contact an attorney. 

I am not really sure why should I contact an attorney for the account which has been closed and the mobile number as well not in use. 

So, please do the needful.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation (CA)

The company froze my account for returned payments. They state the bank account needs verified its the same account I have had payemtns coming from since XXXX. They processed a payment for XXXX using this account. I have not breached the contract but I believe they are by still using an unverified account for payemts.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
Consumer complaint received 2022-12-01
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. (TN)

XXXX XXXX XXXX. Reporting inaccurate information. Duplicate account information, different opening dates. I am a victim of Identity Theft XXXX XXXX XXXX, need to REMOVE FRAUDULENT INFORMATION ASAP. Here is a copy of the Police Report Requested. Please remove within XXXX business days of this complaint date. Also, All three credit bureaus TransUnion, XXXX, & XXXX- Please remove asap. 

XXXX XXXX XXXX XXXX XXXX Account Status Closed Account Dates Date Opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$490.00} Balance updated XXXX XXXX, XXXX Original amount $ XXXX  Monthly payment- Past due amount {$490.00} Account name XXXX  XXXX  Account number XXXX Original creditor- Company sold- Account type Secured Loan Date opened XX/XX/XXXX Account status Closed I am attaching FTC Report, Police Report, Driver 's license
Consumer complaint received 2022-12-01
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX I asked to come out of a mortgage deferment program with Chase, which was originally supposed to end XX/XX/XXXX. I was assured by a 'manager ' on the phone that I would be taken out of the program. At that time I paid all the deferred payments ( XX/XX/XXXX ), and have made my normal monthly payment since. The account is current and has no missed payments. 

Chase extended my deferment to XX/XX/XXXX without notifying me or any input or agreement from me. Based on my interactions with Chase, I had no idea this was done. I received no communication about it. Additionally, they have held payments I made to the mortgage as 'unapplied ' funds, resulting in me having to continually call someone to apply the payments. 

Chase confirmed by phone that I requested to be out of the program in XXXX, but it might not have been processed because their system takes a month to update. Unfortunately, they won't fix the issue or provide me anything in writing or electronically. I've been trying to refinance my mortgage to take advantage of better terms in the market, and I've been unable to do so because of their error. Every lender I've talked to won't work with me because my loan is considered 'deferred. ' This has resulted in considerable lost money ( appraisal fees for applications that go nowhere, higher mortgage payments because Chase 's error is keeping me from refinancing to better terms ) and considerable lost time ( going thru the refinance process with lenders only to have one last unresolvable underwriting issue - caused by Chase ). 

I believe Chase is doing this to intentionally make it hard for me to refinance and take my business elsewhere. I've received 0 resolution after multiple time contacting them and multiple escalations.
Consumer complaint received 2022-12-15
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. (IL)

My XXXX XXXX XXXX XXXX is reporting that I was 30 days late on a payment in 2021. This information is incorrect and I need this removed from my credit report immediately
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

After being layoff at XXXX XXXX XXXX on XX/XX/2009. Also, I have applied for XXXX XXXX  XXXX XXXX XXXX XXXX jobs. I set up accounts with Region Bank, Region Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, and XXXX XXXX  while residing at XXXX XXXX  XXXX XXXX and renting properties XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX Louisiana. ( Reference : Consumer Complaint XXXX XXXX Bank fraud and white collar Crime in the United States involving these states ( Alabama, Georgia, Louisiana, Alaska, Texas, Mississippi, New York and Arkansas, North Carolina, South Carolina and Florida ). There ethical issues facing corporations, managers and employees have grown in significantly. Banks have two tellers per institutions and one Customer Service Representatives and Branch Manager. I truly believe employees have accepted gifts. 
In addition, medical treatment for unprivileged citizens. Bonusess, housing allowance for veterans, state, city and federal employees.The contracts were issued by The Department of Homeland Security and Federal Emergency Management Agencies.
Consumer complaint received 2021-07-21
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: National Credit Adjusters, LLC (TX)

I disputed a collection account to XXXX, the account continues to remain although my information was shared without my permission. My privacy was violated by National Credit Adjusters, this must be removed immediately.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.