davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (CA)

I had traded in my leased BMW vehicle, a XXXX XXXX XXXX XXXX, to a XXXX dealership on XX/XX/XXXX when I purchased another car. On that same day, I had requested and received a payoff letter from BMW Financial Services showing a payoff amount of {$27000.00}, specifying that it may be titled to the original lessee ( me ) or a " licensed automobile retailer ''. This payoff amount was listed as being valid until XX/XX/XXXX, and I have attached this letter to this complaint. 

I traded in the car to XXXX XXXX of XXXX, which is a dealership licensed in the state of California for retail car sales. XXXX sent funds in the amount of {$28000.00} to BMW Financial Services ( they had obtained a payoff {$1000.00} higher than the one sent to us ). This payment was received and processed by BMW Financial Services on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from BMW Financial Services stating that there was a balance of {$5000.00} on the vehicle, and that the payoff was actually {$33000.00}. This is not what their original payoff letter on XX/XX/XXXX stated, nor is it the payoff amount that the XXXX dealer obtained prior to mailing the payoff funds to BMW.

Upon calling BMW, they stated that there was a {$6000.00} discount applied to the direct customer purchase of the vehicle. As is clear in all payoff documentation that we have received, this was never specified, implied, explained, nor stipulated in any way whatsoever. This also does not explain the different dealer payoff amount that was obtained by the dealer which payed off the vehicle. Again, the only stipulation mentioned anywhere in the payoff letter provided to us is on page ( 3 ) of the attached payoff letter in which they state " Due to state regulations, the title can only be transferred to the original lessee or licensed automobile retailer. ''
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: LEXISNEXIS (TX)

They send me a mail in which my mom gave me I read the information about a credit report I never got this before, but I did understand what it has says I talked about this with my parents and dont really get it when I told them, Ive seen many information and cause about many hackers coming into your phone a lot in which I wont know so much about it because im not usually on XXXX only to search about some words I dont know or about XXXX in which is my XXXX  and my information from XXXX, I had being hacked once on XXXX and my emails and other etc. and got my information on my social media from someone anonymous last year and other people send me messages from my phone number and emails as well. The only things I put on my emails is on social media and for XXXX and in my games, this is very serious because and not understandable into things like that and super slow to things I dont even understand, I understand this could cause something on my phone but I sometimes I dont know after clicking things I wasnt supposed to and I was afraid until knowing on my social media about the warnings that people go through in your phone I hope you can understand this letter because I am really bad at grammar.
Consumer complaint received 2020-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

In XX/XX/XXXX, I was Contacted to refinance my FH a mortgage and lower my payments the first payment was lower than my original payment prior to refinancing currently I still have a higher payment than my original mortgage and my loan servicer Doesnt have anybody who can help me answering the phones Ive given up multiple times trying to fix this apparently my escrow account is the problem and I dont understand I currently have a forbearance that expired and I owe {$25.00} towards my XXXX payment which was part of the forbearance and the entire XX/XX/XXXX payment I can not get in contact with the money source , the company that services Service is my loan but thats nothing new I am barely ever been able to contact them since they started servicing my loan I dont understand why they show my mortgage payment due for XX/XX/XXXX has almost {$7000.00} and I do not understand why my refinance has made my mortgage payment different all the time and hireThen my original FH a loanSpace can you please help me get my payments solidified to one amount and correct the problem they created with my escrow account theres nobody at the company named The Money Source who can help me
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-11-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

i got out of school in XXXX  when this company was still sallie mae. My month to month payment have been {$370.00}. They are now over {$400.00}, and with the interest rates rising continuously i am never going to get out of this. They want my parents house as collateral. no bank will touch the dam thing and Ive been threw two bankruptcies due to there people. the interest rate is over 13.5 %. I have contacted them many times about other options or lower payment and they wont budge. What Ive paid in interest and on the loan should have had it paid off already.
Consumer complaint received 2020-12-15
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. (FL)

To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

I received in the mail unsolicited materials/advertisement from Lowe 's about a special sale and the opportunity for new account holders ( of Lowe 's Card ) to receive special discounts. I don't need a new credit card, have limits above XXXX on EACH of my cards and could easily pay cash. My husband and I were in the market for a new washer and drier, so I thought we would look at what they had to offer. 

I should tell you from the onset that I have a XXXX credit rating and a 40 year credit history. 
I am a XXXX and XXXX University and make a very solid XXXX figure salary. 

When I finally received my card, it took a bit, as like many people I have a fraud alert on my credit so no one can access my credit. I did forget about this, so I had to work with credit agencies. 

The cost of the washer and drier is about XXXX. The card, issued by Synchrony Bank, was for a credit limit of XXXX. 
As I indicated above, I am not some recent college grad. There is NO reason why the bank would do this. Who doesn't want to do business with me. 
This is a discrimination issue ... loud and clear. Anyone at the bank could have look at my credit history. This is a sham!! 

I appreciate your help in this matter XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-16
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. (NY)

Experian has reluctantly failed to remove what appears on a credit report as the following : XXXX County Support Payment, first, this item was for the recipient, not the payee, second, it is a violation of law to expose this information on credit reports, due to the information given in the report, someone who is not familiar with procedure in NY, may misinterpret the information and use it incorrectly for example, applying for employment.

A party named XXXX at your firm was reluctant to give his full name, I want an investigation at Experian as to why I can not obtain employee ID potentially in case of pending litigation?

The order was a court order XXXX, if it is not removed due to privacy, I will be forced to open a case in a high court that will hear the case or to seek assistance with our Attorney General in NY.

Please have XXXX   telephone the originator of the complaint immediately.
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

Case description : We already discussed about my account ( It was closed because I linked more than the allowed number of Visa cards ) Then you made me wait 180 days Then I asked for my money back and it was returned to my account Here is a description of the problem : The problem is that I can't withdraw my money because my account doesn't allow me to link my bank Here is a screenshot of the error that appears when trying to link the bank PayPal_ Wallet.pdf ( XXXX KB ) ( I have tried more than one bank account, I am very sure that their status is active and there is no problem ) And here is a screenshot when I followed the link indicated in the first screenshot Resolution Center.pdf ( XXXX KB ) ( didn't helps ) Also I tried to contact support but they only reply with default reply 's that didn't helps!. 

Thanks for CFPB, PayPal team.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

I received XXXX emails from a company called Chime in my primary email. I have not interacted with this company in any way, shape or form so I called their number listed within the email that was at the end of a sentence saying to call them if you did not make this account. I then was on a call with a customer service representative and explained that this was a fraudulent account made using my information and that I want it closed. She then confirmed that the actions were fraudlent and that Chime will close the account. I was then sent an email telling me what I can do after this. 
It said : " Chime has closed the account in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card. We'll also remove you from any marketing email lists within XXXX business days. 

Here are some best practices you can follow to protect your identity : Place a fraud alert by contacting XXXX of the XXXX credit bureaus. 
XXXXXXXX  or XXXX TransUnion.com/fraud or XXXX XXXXXXXX or XXXX Review your XXXX XXXX XXXX  by visiting XXXX  or calling XXXX Visit IdentityTheft.gov or call XXXX to learn more about additional steps you can take to protect your personal information, including how to report Identity Theft to the Federal Trade Commission You may choose to file a report with your local police department.

If you received a 1099 tax form, immediately report the suspected identity theft to the IRS ; you do not need to report the income or request a revised 1099-MISC form showing {$0.00} income from them. 

Please let us know if we can be of further assistance. 

Kindest Regards, XXXX | Member Protection Team '' The secondary email sent after that was : " If you wish to receive additional information regarding this account and transaction records we request that you provide the following : Confirmation of the last XXXX digits of your Social Security number, AND Proof of your ID theft claim, which may be a police report or a completed FTC report ( available at https : //www.identitytheft.gov ). 
Make sure that Chime is listed as an Affected Account on the Police Report or FTC report. ''
Consumer complaint received 2024-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

On XXXX I caller my Mortage lender LakeView Mortage and requested that they stop PMI payments since the loan at 64 % paid off. They informed me that they couldn't cancel and they wouldn't for the life of the loan
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I requested Webster Bank to transfer my funds to XXXX XXXX XXXX and each attempt for me to make an external transfer was blocked by Webster Bank. I was told to call back several times with no success in getting my funds transferred to XXXX  XXXX XXXX. This final recent attempt I was told to get two deposits from my XXXX  XXXX XXXX Checking Account. This process was not clarified to me and when I went to XXXX  XXXX XXXX, this bank had now knowledge of how specifically to provide me the information that I needed. I feel that Webster Bank is intentionally making it difficult for me in order to discourage me from transferring my money. I am a XXXX  and live on a fixed income and the actions of Webster Bank are causing me much frustration and stress.
Consumer complaint received 2023-08-18
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: Resurgent Capital Services L.P. (IN)

XXXX XXXX, LVNV FUNDING, AND XXXX XXXXXXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX, LVNV FUNDING AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR.

Previous letters were sent as well with no response.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit is reporting an account with XXXX  XXXX bank on my credit report. I am not familiar with this account. Within the last twelve months, I have sent numerous letters to Midland credit to verify that this debt is mine and they have not responded with the information requested. I have asked Midland to provide signed documents and any other information that will prove that this is my account. They have not done so.
Consumer complaint received 2022-02-18
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)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I took out a loan to attend XXXX located in XXXX XXXX, Texas. I took courses in XXXX XXXX and XXXX to retrain for a career. Originally, the loan was not through Navient but was later reassigned to Navient. The interest rate was exorbitant and the principal seemed to never go down. My payments only seemed to pay the interest amount. As soon as we could be approved to get a personal loan to pay off Navient we did. I no longer have " Student Loan '' but I do have a loan that I am paying on. I feel that I deserve to be a participant in any lawsuit settlements against Navient.
Consumer complaint received 2018-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

XXXX XXXX holder of my mortgage transferred servicing to LoanCare , LLC, as of XX/XX/XXXX.Notice of Transfer said to send payments to XXXX XXXX , XXXX XXXX XXXX, XXXX, PA XXXX. I notified my bank, XXXX  of account number and address change and sent through my first payment through Bill Pay to be received by XX/XX/XXXX in the amt. of {$610.00} and then I sent a second payment to be delivered by XX/XX/XXXX in the amount of {$610.00}.

I discovered XX/XX/XXXX, that my XX/XX/XXXX payment had not been applied, and sent a communication to Loan Care. I have talked to multiple people and had multiple email conversations. My second payment has not been posted either. I sent the documentation of proof of payment that XXXX  instructed me to send from my website, I did not hear back other than another dunning call. I was told I needed a transmittal letter from XXXX  sent to them at XXXX.myloancare.com. I spoke to XXXX  and they said they would send it right over to them at the above email which they repeated back to me. I got a confirmation letter with the transmittal information from XXXX, and after speaking to another agent at ( XXXX  ) LoanCare, I sent a copy of my letter as well to the email mentioned above. One of the agents ( XXXX  agent no. XXXX ) told me they were not set up to receive electronic transfers and that the XXXX should have sent a check. There was no mention of this in the Servicing Transfer Notice.

I made an extra payment over the phone to waylay any dunning, on XX/XX/XXXX.

I have asked if I should ask XXXX to recall the payments and pay them directly, but was told they want the transmittal form. My husband and I have spoken to and corresponded with multiple people regarding this and was told this past Monday, XX/XX/XXXX that it was just sent to the area to be researched and to give it 5 more business days. I received another dunning call today, XX/XX/XXXX and I asked them to please read the history of customer inquiry and was told that the transmittal I sent In XX/XX/XXXX wasn't what they wanted. I will call XXXX again, but I don't have any faith that this will be settled by LoanCare.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (MO)

Just received noticed this morning that new address had been updated on my credit reports. listed as XXXX XXXX XXXX XXXX, IL I do NOT live or have ever been to such address!! When I went to dispute it, it came up under Resurgent/ LVNV. 
I have disputed accounts with this debt junk buyer before and even had accounts in court that have been dismissed by my lawyer on these people. 

I want them removed from all of my credit reports now! I am getting no where with getting them off my credit reports, and now I find this new information on my reports!! 
This is illegal and fraud by them.
Consumer complaint received 2022-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A few weeks ago I requested my XXXX be cancelled. 

I was told by XXXX XXXX an appraisal is needed by my investor. 

I then requested to know who my investor was. 

To this date that information has never been provided. 

I then spent time finding out on my own who my investor is. 

I spoke to my investor about the requirement for an appraisal. The investor informed me it is not an appraisal they are asking for but a BPO. 

The investor further informed me that an exterior BPO is typically performed for PMI cancellations, I received an email from XXXX XXXX stating the investor says it can be an interior or Exterior. 

Very confusing and more road blocks. This conflicts with what the investor told me. 

I previously requested Bank of America about an overage in my escrow account, Bank of America informed me it was there policy to only look at escrows once a year and that would be next year. 

I filed a complaint saying thats illegal and only after filing the complaint did they return the overage. 

I have no confidence in the credibility of how XXXX XXXX is handling this request to cancel my PMI.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX I lost my debit card and someone got ahold of it and withdrew {$600.00}. I disputed the charges and USAA credited my account {$600.00}. Then yesterday XX/XX/XXXX USAA took back that money. I called them to ask why they took it back they said the fraudulent charges were not fraudulent because the person that used my card used the PIN. The last place I had my card was Do It Best in XXXX XXXXXXXX the same day as the charge of {$600.00}. I noticed my card missing the following day when I attempted to buy groceries at grocery outlet in XXXX CA. This is the fourth time they have done this to me I needed to buy equipment for my job but now that I am {$230.00} in the hole I can not do anything and I am at risk of losing my job.