davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BMW Financial Services NA, LLC (NJ)

XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I purchased a mattress from Macy 's on XX/XX/XXXX and was provided an option to defer interest for 12 months if paid in full. I most recently made two payments ( {$90.00} in XX/XX/XXXXand {$200.00} XX/XX/XXXX ) of which none of that payment was applied to the 12 month promotional event. I contacted Macy 's credit department today ( XX/XX/XXXX ) after reviewing my statements and was told that they will satisfy the minimum payment first ( I totally get that ) and then will apply to the regular transactions unless I tell them or request differently. So I had to call to request to have my payments applied to the 12 month promotion even though I had agreed to this during my purchase. Seems very deceiving to the consumer and very rewarding for Macy 's. The 12 month no interest was sold to me at the store but at no time was that explained or shared with me.
Consumer complaint received 2020-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NJ)

I have requested that Hudson City Savings Bank provide me a copy of the monies that were allegedly paid by XXXX XXXX in 2005 for my Hudson City Savings Bank mortgage so I can sell my house. It is by far and wide NOT acceptable practice to rely on pieces of paper filed by others claiming the mortgage was " Cancelled of Record '' without providing SATISFACTION of mortgage and RELEASE OF LIEN along with the required DISCHARGE OF MORTGAGE. I have been warned about being scammed and not getting what I am entitled. I am unable to sell my house because without the requested documentation. I can just take a mortgage stamped " CANCELLED OF RECORD '' and find a buyer to go by my house when there is not proof of title insurance and the sellers signed the Affidavit of title for XXXX XXXX XXXX XXXX, N.J. when the correct address is XXXX XXXX XXXX XXXX N.J. XXXX has no record of getting the money from XXXX XXXX who no record of paying the money. I need to sell the house but the problem is just like many other people on XXXX XXXX there is a major XXXX  SCAM going on right now go to the XXXX  XXXX site and plug in my address using XXXX XXXX XXXX XXXX, N.J. XXXX and with will retrieve MIN XXXX Now plug in the NON EXISTENT address of XXXX XXXX XXXX XXXX N.J. XXXX you will come up with the MIN XXXX The big problem is they did this for the ENTIRE BLOCK. Please just let me know that you don't have these records because the mortgage was never issued. This happen all over on my block. We all know that it is just about impossible to find a buyer to plunk down {$500000.00} and tell them that you have no proof of the MORTGAGE BE SATISFIED and that you have no proof of THE LEIN BEING RELEASED and there is no proof of the DISCHARGE OF MORTGAGE and on top of that NO TITLE insurance. I am being subject to severe financial harm and anyone would agree please either get me the requested documentation of explain or explain that there was no documentation to give because there was no mortgage. Racketeering draws in people from all walks of life and just plug in any address on XXXX XXXX and XXXX XXXX and you will now what is coming soon. Incidentally the closing attorney XXXX XXXX XXXX was requested to correct the many " mistakes '' he made at closing and has not even made an attempt. XXXX is a sitting XXXX JUDGE ... ..This is not easy but it will get done!!
Consumer complaint received 2020-12-21
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. (PA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account 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 states 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2022-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Duvera Billing Services, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX i have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-12-21
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: JPMORGAN CHASE & CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NY)

I tried opening a XXXX XXXX for the first time and received and email stating it will be closing because of violations. And when I called XXXX XXXX  they told me I have other bank account open on negative and I never opened an account before until I tried opening a XXXX XXXX  account for work.. I never opened any other account and would like help to removed them and everything else that causing this issue it isnt fair. Im going through identity theft. I need help! Please.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (CA)

I have been getting daily calls from the company Key 2 Recovery about a debt owed by somebody else. I have no idea who the person who the debt belongs to is. I have twice called the company back to inform them that I am not the person who owes them money and to remove my number from the account. The second time I spoke to a manager and she assured me the issue would be taken care of, yet the next day I still received a call from them.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2020 I filed a dispute on a charge of XXXX on me by XXXX. The issue was primitive : I returned merchadise to the store/REI, but the store did not refund me for some reason. The payment was done through XXXX, so I filed a dispute through XXXX. But XXXX was unable to process the dispute on this privative issue for 5 months, but kept it on hold. Then in XX/XX/2020 I filed a claim on my bank 's credit card. The bank refunded me honorably. After that XXXX began processing but not my 5 month old dispute. XXXX froze my XXXX account and made a claim that I have to send a check to XXXX on {$65.00}. This appear to be a blackmail and fraud by XXXX. In addition XXXX 's customer service is not functioning : after a few automated messages the call is automatically hang up. Apparently, the company of XXXX is not functioning. I want to close all my accounts with that business but XXXX is totally out of reach.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and transunion who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

XXXX  XXXX is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.
Consumer complaint received 2019-06-28
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: Midwest Recovery Systems (TX)

Midwest Recovery Systems has reported an account in collection to all 3 credit bureau in the amount of {$1200.00}, from an alleged payday loan with XXXX XXXX XXXX   from XXXX. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ( Texas ) ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (IN)

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2020-06-07
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. (AZ)

I checked my credit report on XXXX XXXX and under the Equifax report, I saw a XXXX XXXX XXXX  XXXX credit card open on my account that I do not have. I called the bank it was listed under and they verified my info and said there was no credit card open under my name and social security. So then I called Equifax and verified all my info and they said they could not provide assistance and I needed to send copies of my ID and Social Security card via mail to them to verify my identity. That immediately sounded fishy, I verified all my personal identifiers so not sure why they need this. I do not and will not EVER send a copy of my social security card in the mail. This is an improper use and abuse of customer private information. I want to this resolved since I do not have this credit card open and it is been reported under MY credit score but do not like the way Equifax is trying to handle it. The card is not showing open under my XXXX report only through Equifax so they need to amend this.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Recently, a scammer utilized my card information to send a payment to themselves through XXXX. Since then, chase has been provided with numerous amounts of information proving that the charge was invalid, including documentation from XXXX proving the charge was not valid and showing their intention to refund, but both sides ( XXXX and chase ) saying the other has possession of the disputed funds. I, as the customer during the coronavirus pandemic unemployed, am being forced to pay {$400.00} for an item that even the merchant wants to refund but cant. When called, chases fraud department responds with we cant assist you. It has been months now with no resolution. Please help me.
Consumer complaint received 2019-04-25
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. (LA)

Experian is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.
Consumer complaint received 2022-02-02
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. (MD)

Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. Ive filed complaints with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions and said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters and I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyve ignored my requests to remove the items which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 and Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2018-02-23
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. (MI)

I was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called XXXX to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

In XX/XX/XXXX I took out a mortgage with XXXX for {$310000.00}. XXXX filed BK in New York. Since then I have made all my payments on time for {$2500.00} per month which were not applied correctly to principal. Recently I was told by Caliber Home Loans that I had a superavit in Escrow and the Unapplied Funds account and they would post it as the XX/XX/XXXX payment and they have not and want a detailed explanation why not asap.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (KY)

PNC Bank fails to provide a fair and easy system for non-bank members to submit auto loan payments. I got stuck with PNC when I bought a vehicle at a dealership and found out that PNC has provided XXXX different websites for receiving payments. Forced to use XXXX to start which later disappears. I then have to use a 3rd party system which also discontinues, and now I am stuck with the worst version XXXX. This site fails to set up automated payments, fails to notify me of anything online when payments do not submit or if I am late. I have no records of payments made from other sites or the version my past employer was forced to setup just to pay on my truck one year. Only thing you can see is the montly payment information. What if I want to pay extra on principal one month - How do I know they processed it correctly!! 
No phone calls come in until AFTER 30 days late which they quickly report to credit bureaus. They will not talk about options to have it corrected and will not provide me a better system of making reliable payments. For such a wealthy corporation to use a website that my XXXX XXXX XXXX could build is beyone me! I truly think the inconvenience is intentional to force you to send a blank check or open a bank account with them. Then they can take full advantage of me I am sure. No Thanks! I want my credit report fixed NOW!!