davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IN)

I reached out to Chase Bank on XX/XX/year>, at XXXX XXXX XXXX XXXX to address a pressing matter. During the call, I had the opportunity to speak with XXXX, a representative from the bank. XXXX diligently conducted a search using my social security number and discovered an account that had a pending status under my name. Recognizing the severity of the situation, XXXX promptly transferred me to the XXXX XXXX Department. 

In the capable hands of XXXX, a member of the XXXX XXXX Department, I received confirmation of the aforementioned information. Upon thorough examination, we meticulously reviewed all of my up-to-date personal details. XXXX informed me that there had been recent unauthorized usage of my personal information. Furthermore, there were indications that a home XXXX have been purchased under my name as well. Understanding the gravity of the situation, XXXX spent approximately an hour on the phone with me, ensuring that all necessary details were addressed. 

Currently, I am patiently awaiting the completion of the investigation, trusting in the expertise of the bank 's diligent team.
Consumer complaint received 2023-06-21
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. (TX)

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. 

The letters are stated with items and issues. 

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 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-08-26
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: Receivables Management Partners, LLC (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has been violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX, XXXX XXXX {$1500.00} is the amount owed. 



XXXX, XXXX XXXX XXXX, XXXX {$1200.00} is the amount owed. 



XXXX XXXX, XXXX XXXX. XXXX, XXXX {$2900.00} is the amount owed
Consumer complaint received 2022-08-26
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 (CO)

I leased a vehicle through BMW Financial Services NA , LLC ( " BMWFS '' ) on XX/XX/XXXX. My contract end date is XX/XX/XXXX. Per the contract, the Residual Value with my Purchase Option is {$24000.00}, with no additional fees ( besides taxes and registration fees ). 

We want to purchase the vehicle per the terms of the contract. According to BMWFS, new legislation in the past ~6 months now prohibits them from selling a leased vehicle directly to the consumer in Colorado XXXX and ~11 other states ). I live in XXXX XXXXXXXX and went to the only local dealer, and while they were willing to handle the transaction, they indicated that BMW Financial Services would be charging me the {$350.00} Disposition Fee since the dealer would be purchasing the vehicle then selling it back to me. Per my contract, I should not be charged this fee if I purchase the vehicle, but since they can no longer sell me the vehicle directly, the dealer has to purchase it, then sell it back to me, so BMWFS will charge this to me since I am not purchasing it from them. Additionally, the Dealer indicated they would have to charge me a {$290.00} Dealer Processing Fee on top of the {$350.00} that BMW Financial Services would be charging me to process the sale back to me. 

Per my contract with BMWFS, I should not have to pay any additional fees. While I recognize the new legislation now prohibits them from selling vehicles directly to the consumer in Colorado, this feels like it is a problem for BMWFS, not for me the consumer ( or the dealer ) since I am still within my terms of the contract. If they are not able to honor the terms of the contract due to the legislation, then they should be paying the dealer handling fees, not me. 

I spoke with BMWFS on XX/XX/XXXX, and while they indicated I should not be responsible for the {$350.00} Disposition Fee, they could not provide documentation indicating as such ( besides my original contract ). I had 2 separate BMW dealers indicate that BMWFS would charge me this {$350.00} disposition fee. Additionally, they said they are unable to do anything about the {$290.00} dealer processing fees, since the dealer is charging this, not them. 

So I am now stuck either having to drive an hour away to another dealer that might not have dealer processing fees, or, paying the {$290.00} processing fee locally. They offer no option to purchase the vehicle locally at the purchase price per the contract. The person at BMWFS said this is a very common problem since this new legislation was rolled out, but offer no solution besides paying the fees to the dealer. 

Before talking to lawyers about a class action lawsuit, I figured I would make sure BMWFS is aware of the severity of not honoring the contracts they have with their consumers and see if they are willing to do anything about it. This should be fixed for everyone in this situation, not just me.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PACIFIC WESTERN BANK (AZ)

Dear CFPB, Please note the routing number on the payment form was NEVER completed by me and it was done by the title company. 

Now I have to waste my time to fix this, due to NO fault of mine. 

Also, I want to lodge a formal complaint about XXXX in XXXX XXXX and please let me know how this can be done. 

Thanks XXXX XXXX : XXXX XXXX XXXX Sent : Wednesday, XX/XX/2022 XXXX PM To : XXXX XXXX XXXX Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : RE : Borrower still due for XXXX Hi XXXX, Thank you for reaching back out with that updated ACH information. The NSF return is showing for NSF-Unable to Locate Account. This could be a servicing error or the borrower could have made an error on the ACH form. We dont have visibility as to the bank account information entered into XXXX system, but they would have set up the ACH to draft from the form we provided from closing.

It looks like the borrower has been unresponsive to 4 call attempts so far to a phone number ending in XXXX. Please have the borrower contact XXXX to resolve at XXXX or direct to their Account XXXX XXXX XXXX at XXXX or XXXX. 

Thank you. 


Best, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX www.civicfs.com ________________________________________ CIVIC FINANCIAL SERVICES XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX
Consumer complaint received 2022-08-26
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. (CO)

We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
Consumer complaint received 2022-08-26
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. (CO)

We took out a loan to purchase the lease. The money was sent to XXXX XXXX and the account was paid and closed. Approximately 3 weeks later they called and said we had to go through the dealership. I asked when they would send the money back and they said 14 business days, they did not send it within that time frame and I kept calling them to get it back. It took them 45 days to send the money back and within that time reopened the account and reported it late to the credit bureau. It was never late and I never missed a payment during the entire loan.
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX I returned from an overseas cruise to XXXX XXXX XXXX Florida, upon my arrival I rented a car and drove to XXXX Florida which is a three hour drive, once in XXXX I stopped a the XXXX XXXX ( XXXX ) and shipped 5 items to my XXXX, Maryland address this charge is clearly stated on my cards statement. On the same day minutes later someone at a XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. Removed {$82.00}, 6 times in a row I was also charged {$2.00} 6 times at the time of this Theft I was attempting a purchase at XXXX restaurant which was declined even though I had an additional {$300.00}. XXXX in my account upon this problem I call XXXX and was disrespected by numerous customer reps. suddenly my account was closed and it was said i did something wrong but no one could tell me what it was. 
Finally on XX/XX/XXXX XXXX claimed to be sending the remaining {$300.00} in my account to date I have not received my money nor has XXXX attempted to fix this obvious problem and return my {$810.00}. I can not be in Florida and California at the same time. 
also my card had been replaced 4 times without my request an all XXXX did was say it was a security issue with them.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

MY CAPITAL ONE ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX/XXXX/2024 XXXX XX/XX/year>2024 XXXX XXXX/XXXX/2024 XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX/XXXX/2024 XXXX XXXX S XX/XX/scrub>/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX  XXXX XXXX XXXX XXXX/XXXX/2024 XXXX  XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX/XXXX/2024 XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX/XXXX/2024 I have inaccurate information on my credit report. This is a violation of my rights and i am distraught.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-08-26
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. (CA)

I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BANK OF AMERICA LET SOME ONE TAKE XXXX OUT MY ACCOUNT IN XXXX IN ABOUT 5 DIFFERENT TRANSACTIONS I SUBMITTED A CALL LOG THAT SHOWED THE PHONE IT WAS BEING TAKEN FROM WAS LOCKED ON EACH TRANSACTION DATE AND SOMEONE HAD LOCKED AND TAKEN CONTROL OF MY WIF PHONE IF BEEN TRYING TO GET MY MONEY BACK EVER SINCE BUT KEEP GETTING THE RUN AROUNDS
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2022, I was scammed on XXXX XXXX by someone who responded to an item I had posted for sale. The buyer claimed she was interested in purchasing my item, and asked if I would accept XXXX for payment. I had used XXXX via Wells Fargo in the past and thought it was safe way to send and receive money. In my correspondence with this buyer, she claimed that she was unable to send me funds because my XXXX account was not considered a business account. She asked me to check my email, where I found a message from who I believed to be XXXX customer service stating that in order to receive my {$250.00} payment from the buyer, I first needed to " verify '' my account as a business account, and that I needed to send a {$500.00} transfer to the buyer, which was going to immediately and automatically be sent back to me along with the {$250.00} my item was listed for. My understanding was that this was to provide proof of adequate funds. Believing this email to indeed be from XXXX, I completed the transaction, not knowing I had been scammed and that I hadn't received the {$250.00} payment ( this was a fake confirmation email ), but that I had sent {$500.00} to the scammer. What clued me in to the fact that this was a scam was another email requesting a second transfer due to not being able to process my " verification '' as a XXXX business account. 

I immediately contacted Wells Fargo to request an interception of this transaction ( case # XXXX ). I was told by the Wells Fargo agent that she could not intercept the payment, but that she would file a claim to request that XXXX investigate it. I also attempted to contact XXXX directly, but was told to contact my bank. I saw that my payment to the scammer was pending for several days, and I thought that was because Wells Fargo had held it because of my call, but was dismayed to see that it was processed three days later. 

On XX/XX/2022 I contacted Wells Fargo again because I had not received any follow up ( case # XXXX ), and was told that there was nothing they could do to help me and that it was not possible to receive my funds back. I am writing to request that CFPB intervene on my behalf to have my funds returned to me and investigate and prosecute as necessary the perpetrators behind this financial scam.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( XXXX ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

since XX/XX/2022, until today XX/XX/2022 I have sent about 30 disputes to Equifax about the unauthorized Inquiries that in my credit report asking them to re-investigate them but I receive the results next day to find that nothing happened i don't know how they can finish investigation in less than 24 hours
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (MO)

I XXXX XXXX herby file this complaint for the following reasons : 1. I signed a voluntary surrender on this vehicle XX/XX/XXXX after store manager XXXX sent it to me and I advised her where vehicle was at the mechanic shop. 
2. I feel treated unfairly as I will now be charged extra fees as a repo although I was in agreement for a voluntary surrender. Which was shady same day she mailed letter she then had it repoed. 
3. My belongings and my husband and children belongings are in their possession and over XXXX miles away I have no vehicle and I'm in an economic hardship and can not drive to get said items they could have called and met me in my hometown before repo to take. 
4. The auction company advised me XX/XX/XXXX if Title Max would give them permission they would be happy to mail our possessions back to my home address. 
5. Title Max out of retaliation refuses to give them permission to mail items back and therefore is impeding on my right to my possessions that I have no vehicle to drive over XXXX mi to retrieve. 
6. I was treated unfairly on several occasions I asked for corporate and or the district manager to call me she never called once! 
Title Max is a company of highway robbery and retaliation and put me in economic harm.

I request Title Max show and display empathy by mailing my property back immediately.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Hi my name is XXXX XXXX and I have been dealing with this issue for about 3 months with Comenitybank/Victoria XXXX My account has been closed for quite some time now however this relationship with Comenitybank/Victoria has been gettting from bad to worse. They are reporting inaccuracies on my credit report across all 3 credit bureaus. The account information that is reporting incorrect is the two late payments for XX/XX/2018 and XX/XX/XXXX 2018 30 day and 60 day respectively, however I have never had a late payment with this account and all my payments were made in store and on time for this account.
Consumer complaint received 2022-08-27
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. (CA)

This is XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 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.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : 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
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (FL)

accordance with the Fair Credit Reporting act XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions # thecreditteam