davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
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: ECMC GROUP, INC. (WA)

I filed chapter XXXX bankruptcy in XX/XX/2015. XXXX  loans were discharged, yet were resold several times despite that to various collection companies. Each time I have contacted the collection company directly, provided them copies of the bankruptcy and discharge notices. Every couple of months, despite contacting all three credit bureaus directly, they reappear on my credit report. I have to submit a new dispute and start all over again. They are currently with XXXX XXXX XXXX XXXX XXXX, XXXX collecting on behalf of XXXX XXXX XXXX XXXX. They call me multiple times a day, despite paying for and providing them documentation of the bankruptcy and discharge notice from now almost 3 years ago. I am feeling harrassed and my credit is being abused and the credit bureaus aren't helping. I don't want to be forced to take thrm to court, but they won't stop and the law should protect me from this. Please assist! Thank you!
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Submitted a complaint recently # XXXX and USAA lied in its response about me getting access again. Untrue. After getting the confusing message I tried to access my accounts only to STILL BE LOCKED OUT. I called the USAA 1800 number told MY ACCOUNT IS RESTRICTED STILL. I asked for supervisor and told none are available and placed on a 15 min hold until I hung up. Does MS XXXX work at USAA? My next call will be to her " office '' )
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (CA)

I have up until now been a satisfied XXXX owner and have leased at least 6 vehicles and negotiated probably a dozen more for friends or clients. In XX/XX/2017, I realized I would drive more miles than I was contracted for so I spoke to a XXXX agent and purchased additional miles for the term of the lease. The agent confirmed that I would receive a cash credit for any extra miles unused. However, when I got my lease end statement, although the statement shows a total mileage credit of {$1500.00} and after legitimate charges, a net credit totaled {$560.00}, but instead of being paid this sum, the statement shows " other charges '' zeroing out the {$560.00}. I called and spoke with the manager XXXX at XXXX who said it was " XXXX policy to not reimburse overpaying for miles. '' I explained to XXXX that the XXXX agent told me the exact opposite and that's why I liberally purchased the miles that I did. He said he would research it. I asked for documentation at the time of my purchase showing this policy as if I had seen I would have immediately cancelled or revised my purchase. He said he would check for that and the associated phone records. He left a voicemail the next day but with no details and no direct line, only the general 800 number. I had to go through the whole process again as if it were my initial call until I got an agent that could pull my record. That agent said that there were notes on my file that said, " if customer calls back, tell him XXXX is not reimbursing him, XXXX. '' There was no additional substantiation and the agent was unable to provide any other details. I told the agent to document that I was completed unsatisfied and that I would be filing a complaint with the CFPB for a full reimbursement as I am sophisticated buyer and had closed many leases and would not tolerate this mistreatment. She offered to get XXXX on the line, but I had already told him that I would require reimbursement otherwise I would be contacting the CFPB.
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (MI)

Hi, I am writing in regards to the Company Goodleap who teamed up with a fraudulent company XXXX XXXX XXXX to take advantage of consumers. We were sold solar panels in XXXX XXXX and Goodleap approved a loan for a substantial amount without having a loan application. We feel they falsified a loan application just to get us approved for equipment that did not work. We were lied to from both of these fraudulent companies, and after finally finding where the loan was thru I contacted them and told them I wanted a copy of the loan application and to see what help we could get since the faulty equipment the loan was for didn't even work and the promise that it would save me on my electric bill. They advised me I would need to pay $ XXXX by XX/XX/XXXX in order to keep my loan from increasing. Our current payment for Goodleap is XXXX $ and my electric bill is over {$400.00} so we are struggling to make ends meet due to paying almost {$1000.00} just in electric. I have contacted them several times without any follow up. Goodleap has been sent a letter from the Attorney General from XXXX different states asking to hold and defer the loans due to XXXX XXXX filing bankruptcy causing havoc for so many consumers.
Consumer complaint received 2023-02-10
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. (PA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my extreme dissatisfaction with the lack of response from your company regarding the disputes I have submitted for inaccurate information on my credit report. Despite sending disputes to TransUnion, XXXX, and XXXX detailing the errors and violations of my consumer rights, I have received no resolution or acknowledgment from your end. 

It has now been well over 30 days since I submitted my disputes, and your company has blatantly failed to adhere to the Fair Credit Reporting Act ( FCRA ) guidelines. Specifically, you are in violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as disputed, as well as FCRA 605 ( c ) by running the reporting period despite inaccurate information being present on the account. 

Furthermore, your failure to validate the collection account in question constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

Attached to this letter are copies of all the dispute letters I have sent previously, clearly outlining the inaccuracies and violations present on my credit report. 

I demand that immediate action be taken to rectify these issues and ensure that my consumer rights are upheld. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal counsel and filing formal complaints with the appropriate regulatory bodies. 

I expect a prompt response and resolution to this matter within [ insert timeframe ]. Your cooperation in this regard is greatly appreciated.
Consumer complaint received 2019-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (CA)

Hi, I sold a car in XXXX & no longer had possession of the car in the year of XXXX ( worth of car is ~ {$500.00} ). In the year of XXXX I am receiving calls & mail from FINEX GROUP LLC collection agent XXXX XXXX for a debt of over {$4000.00} on the car for being towed & put into storage in the year of XXXX ( 2 years after I sold the car to the new owner. ) The new owner had possession of the car since the sale date in the year of XXXX. 

When I found out that the new owner did not complete paperwork, I went to the DMV to get things sorted out, and the DMV informed me that liability for that car starts for the new owner on the day that it was sold in the year of XXXX. I contacted the police department on the phone & was informed that I did not have to worry about it since the car was already sold in XXXX & I no longer had the car in XXXX. I contacted the tow place & explained to them that I no longer had ownership nor possession of the car when it was towed in XXXX, which is 2 years after physical possession of the car was given to the new owner & was sold in XXXX to the new owner. I contacted the XXXX XXXX XXXX XXXXXXXX XXXX & was informed me both on the phone and as well as in person that I am not responsible for the car since it was sold & I no longer had possession of the car since XXXX. The DMV instructed me to get help from the federal trade commission ( FTC ) & that they would help me. The FTC told me to contact them back when I receive mail back from the collection agency in order to file a complaint at consumerfinance.gov XX/XX/XXXX : -During a phone call XXXX XXXX from Finex Group LLC : She said that I have no other option but to pay the amount of over {$4000.00} for tow debt on a car that I sold two years ago in XXXX. I asked if we could go to court or judge to get help to figure this out, she said no, and that the only option is to pay the {$4000.00}. She told me that the tow place no longer is associated with the debt. I asked who is in the charge of the debt, she would not answer me and would not let me know who was in charge of the debt, just that I need to pay it because it will not go away. She said that I need to pay the debt or it will negatively affect my credit, that there is growing interest of 10 % per year that is accumulating, and the debt will never go away unless I pay. I asked her if I can go to the DMV to sort this out, she said that going to the DMV would not help & paying the amount is the only way.
Consumer complaint received 2023-03-27
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance {$31000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00}.
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: EQUIFAX, INC. (DC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to XXXX, Equifax, and XXXX to investigate and I have not received a response.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (FL)

I received a letter with a Debit card on XX/XX/2021, and the following day XX/XX/2021 I received a letter saying " Thank you for opening new account ( s ) with PNC. '' and lower down on the letter list 3 accounts that I DID NOT OPEN. 

I called PNC bank, and they told me I'll be receiving a call form an investigator, which have not came yet.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

I originally obtained my student loan through XXXX XXXX and was transferred to Navient. I consolidated my loans and began paying on an Income Based Repayment loan ( to XXXX XXXX ) in order to eventually take advantage of the public service loan forgiveness program. I specifically asked on numerous occasions if my IBR payments qualified for the PSLFP and was told yes. In fairness, I began paying and asking these questions at the very beginning of the announcement of this new possibility for loan forgiveness. I recognize in the beginning that they may have not understood exactly how this program would work. But for the past three or so years I have been making payments on a loan that I thought would qualify towards the PSLF programs required number of payments. I was told by a co-worker randomly that the only payments that count towards the PSLFP are those that are DL loans, not other loans, even those that are being payed on an IBR would count. I immediately began researching that these loans, while consolidated as I was directed to do, were not actually DL ( direct loans ) meaning they in fact did not count towards my 10 year repayment requirement. When I called the federal loan servicing department at XXXX they confirmed the fact that my prior IBR payments did not count and immediately consolidated my loans into a DL that would count, paying off my Navient loans. Navient when called stated they had never told me this, and unfortunately I do not have proof of the fact that I was given this false information. Additionally, when discussing the matter that the prior payment did not count with the federal loan servicing department at fedloan.gov, I was told they had heard numerous stories related to this but had no fix to the past payment issue, so I believe this is a widespread problem and many others are likely currently making payments that they believe count towards different loan forgiveness programs, though they likely do not. I have already made a complaint whit the BBB to no affect. Navient did not provide a response other than denial.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to dispute several inquiries listed on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I noticed inquiries from creditors with whom I have no association. I believe these inquiries are the result of identity theft or other fraudulent activity.
Consumer complaint received 2021-07-21
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: First Federal Credit Control, Inc. (GA)

XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX  SERVICES CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX  FIRST FED CREDIT CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately.

Enclosed will be a copy of my police report pertaining to the item supporting my position.
Consumer complaint received 2022-07-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CURO Intermediate Holdings (TN)

XXXX XXXX has used multiple debt collectors Like Ad Astra located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the eastern daylight time zone while California is in the pacific time zone . I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours
Consumer complaint received 2022-10-14
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. (VA)

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 XXXX XXXX XXXX : Account Name : XXXX XXXXXXXX Acct Number : XXXX, Account Name : XXXX XXXX, XXXX Acct Number : # # # # # # XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Acct Number : XXXX XXXX, Account Name : XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXXXXXX XXXX Acct Number : XXXX, Account Name : XXXX Acct XXXX : XXXX, Account Name : XXXX XXXXXXXX XXXX Number : XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX Acct Number : XXXX, Account Name : XXXX XXXX XXXX Acct Number : # # # # # # # # # # # # # XXXX, 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 XXXX 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 2023-03-27
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I filed chapter XXXX bankruptcy in XX/XX/XXXX. In my filing I informed Chase Mortgage that I would not be reaffirming the debt and I would be surrendering the property. Once Chase received the chapter XXXX notification with the notice that the loan would not be reaffirmed, Chase sold the mortgage to XXXX XXXX. I am not familiar with the mortgage laws concerning purchasing or selling mortgages but it would appear that Chase knowingly sold a mortgage to another mortgage company knowing the status of my bankruptcy filing. I was discharged in XX/XX/XXXX and now XXXX XXXX  is showing the same mortgage on my credit report in a negative status. So, now I have the same mortgage showing twice on my report by both Chase and XXXX. I realize that the Chase mortgage would report negatively on my credit but I should not have the same mortgage reported twice, negatively. As a mortgage lender, Chase Mortgage would know that these circumstances would occur, creating dual reporting by separate Mortgage companies.
Consumer complaint received 2023-03-27
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. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX THD/CBNA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX