davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (TX)

My husband purchased a XXXX XXXX XXXX XXXX XXXX and financed it through BMW Financial. 

The vehicle was paid off in XX/XX/XXXX. We never received the title or lien release letter. 

My husband passed away XX/XX/XXXX. When I went to change the title and license it, the court house told me it still shows a lien on the vehicle. 

I called BMWXX/XX/XXXX and sent the will and death certificate attn : XX/XX/XXXX to customerdocuments@bmwfs.com. XXXX promised to call me back. NOTHING On XX/XX/XXXX I sent another email, and all I got was a response I could not use that email for correspondence. 
XX/XX/XXXX I called again, and was told that because the will wasn't stamped, XXXX couldn't call me back. She meant through probate court. 
XX/XX/XXXX I spoke to XXXX and explained to him that when I got in touch with XXXX County Probate Court Cordinator, she refused to put me on the docket for a lien release letter. There is nothing about my husband 's estate that warrants probate. This is the ONLY issue we have. XXXX asked me to send him the email from probate and he would call me by the end of the day. NO CALL. 
XX/XX/XXXX I spoke to XXXX, who told me that the way I fwd the email was not acceptable and that is why XXXX could not call me back. I then printed the email and attached it and sent it attn. to XXXX and XXXX. Again, no call back from either one of them. 
Today,XX/XX/XXXX, I have spoke to XXXX who stated that XXXX told him that this is at a supervisor 's desk, XXXX, and when she gets through reviewing it, they will get back to me. 
I asked to speak to another supervisor, and was told no, because it is in XXXX 's hands. NO ONE CAN HELP ME. I ONLY WANT THE LIEN RELEASE LETTER. I HAVE PROVIDED DOCUMENTATION THAT IS VALID TO RELEASE LIFE INSURANCE, 401 K FUNDS, BUT BMW IS REFUSING TO GIVE ME A LETTER WE SHOULD HAVE HAD OVER A YEAR AGO. 

I need to license the vehicle so I can drive it. I need it to work. 

I hope you can help me, I can not afford an attorney for this. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2017-08-03
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. (TN)

I have been trying to establish my identity with Equifax. My identity have been stolen and is being abused. Also I filed bankruptcy in XX/XX/XXXX. XXXX District of Tennessee. XXXX XXXX XXXX XXXXe was included in the bankruptcy. The case number is XXXX. XXXX XXXX XXXX loan number is XXXX. Equifax sent me a copy of my credit report. Yet XXXX XXXX XXXX is no longer listed on my credit report. The property at XXXX XXXX XXXX XXXX TN XXXX, was foreclosed on in XX/XX/XXXX, you states a bankruptcy remain on your report for 10 years. All of my history is being deleted by someone. The property was sold to Tennessee Housing Development Agency in Tennessee. XXXX XXXX XXXX XXXX have been working with me and sending me all transactions. XXXX XXXX XXXX XXXX confirmed they began servicing my loan in XXXX. XXXX XXXX /loan number XXXX was established on XX/XX/XXXX. XXXX XXXX is no longer on my credit report. Yet XXXX-mortgage interest statements have been reported to IRS using my personal information. My social security number and I was told to notify Equifax. You may want to confirm this information with the Trustee XXXX XXXX with the bankruptcy court. Honorable XXXX XXXX is the Judge over the case. I have mailed you a copy of my drivers license, voters registration card and social security card with my name change. And the identity theft affidavit sent to XXXX XXXX XXXX XXXX for investigation.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On both XX/XX/XXXX andXX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Consumer complaint received 2023-01-28
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. (CA)

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. 

Account name : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2018-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I instructed my XXXX bank ( XXXX XXXX  ) to wire {$30000.00} ( XXXX ) to my US bank account ( held at XXXX XXXX XXXX  XXXX in XXXX , Virginia ). Three days later on XX/XX/XXXX XXXX showed up back in my XXXX account. Neither XXXX nor XXXX can give me a definitive answer as to why Wells Fargo ( XXXX 's XXXX XXXX  ) declined the transfer yet still charged me around {$30.00} ( XXXX ) for an incomplete transfer. Both XXXX and XXXX XXXX   advised me to speak with Wells Fargo as neither of them have access to XXXX 's systems. I have reached out to XXXX via XXXX to explain the situation -- they are now fobbing me off without offering to reimburse me the fees charged. I am not a Wells Fargo customer. 

My confirmation # from XXXX XXXX = XXXX, XXXX also gave me the following tracking # XXXX.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted Transunion about Hard Inquiries that were on my credit report that I did not authorize. I did not approve of these companies to pull my credit report or get my credit score. I have been a victim of inquiry issues. Due to all these Hard Inquiries on my report I am suffering horribly as each on counts against me and I am trying to purchase a home. The list is lengthy however these are all on my credit report that don't belong : XXXX XXXX/ XXXX My name is XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Wi XXXX XXXX/XXXX XXXX  XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX , ND XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX NY XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX FL XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Consumer complaint received 2018-07-10
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. (AL)

ON XX/XX/18 I SENT EXPERIAN A DISPUTE FOR ACCOUNTS CONCERNING XXXX XXXX, XXXX, XXXX XXXX AND XXXX/XXXX XXXX. ON XX/XX/18 THEY REFUSAL TO INVESTIGATE LEGITIMATE DISCREPANCIES. I HAVE BEEN DISPUTING THESE ACCOUNT WITH THEM AND THEY HAVE YET TO PROVIDE ME WITH ANY INFORMATION OR PROOF ON HOW THESE ACCOUNTS ARE VERIFIED. This is a Violation Under the Fair Credit Reporting Act 15 U.S.C. 1681g.Reinvestigation, does not mean I, the consumer prove to EXPERIAN that it's no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted. As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian.
Consumer complaint received 2018-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (GA)

Hello on XX/XX/2016 i field a complain with cfpb # XXXX it stated " have a credit card from chevron we tried to cancel 3 months ago because one of our employees stole the rep we called didnt do it last week we got an email that we made a payment for XXXX which we didnt but it hit our account and cost us XXXX know there calling us about this payment which they posted with out our permission nothing was done today and with out notice the have us reported on all 3 credit burues that we owe XXXX dollars we dont owe this and they where informed that this card and others where stolen 4 4 years ago
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (NY)

I Have a loan with  discover student loa ns, when I left college to obtain a job I did not know how much the monthly payment would be, I turned out to be  XXXX  dollars like other recent grads I was astounded by the monthly amount. I asked for lower payments and they allowed me to file a payment relief but soon denied me without even sending me a letter stating why. It 's very disheartening to have over half of your monthly income taken by student loans. I am now almost 120 days late on my payment.
Consumer complaint received 2018-07-10
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. (TX)

In XX/XX/2018, I submitted a complaint to the CFPB against Account XXXX XXXX for an inaccurate, erroneous and unverifiable entry that was placed on my account. XXXX XXXX XXXX responded by stating that they were informing me that they were instructing the bureaus to DELETE THE ENTRY!! ( See attached ). To date, Equifax has not done so. Equifax needs to delete this entry and provide me a copy of my updated credit report that reflects the deletion.
Consumer complaint received 2023-01-28
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. (NC)

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF EDXXXXXXXX. According to my Experian consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over XXXX XXXX XXXX and I would like it to be removed/deleted from my consumer report. 

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

I resided in XXXX XXXX Apartments and decided not to renew my lease. I gave XXXX XXXX a notice regarding my decision in a timely manner. On XX/XX/XXXX I completed my inspection satisfactorily and returned my keys. I did not pay XXXX 's rent however went to Magistrate court on XX/XX/XXXX. I spoke with a lawyer who represented XXXX XXXX and agreed I owed {$1100.00}. At this time, XXXX XXXX has forwarded my debt to Professional Debt Mediation.  Professional Debt Mediation is not a mediator, they work on behalf of XXXX XXXX. Professional Debt Mediation has placed a debt amount of {$1500.00} on my credit report. I have disputed the amount with XXXX XXXX, Professional Debt Mediation and the credit agencies. I would like to resolve this matter as soon as possible. I applied for an apartment and was denied due to my rental history. XXXX is the property manager for XXXX XXXX and refuses to contact the lawyer to retrieve the accurate amount owed. I want to pay {$1100.00} and this erroneous debt to be removed from all credit agencies involved.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2018-07-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge Pite, LLP (FL)

Since XX/XX/2008 my home has been a subject of illegal foreclosures attempts. On the first one the Bank/Servicer/Investor or whatever they were, stated that my mortgage note was destroyed or lost. Since then 2 other  Bank/Servicer/Investor tried to do the same but all cases have been dismissed in court. Now a Trust that its not even listed at the Securities and Exchange Commission just filed another attempt : XXXX XXXX XXXX XXXX, XXXX as Trustee of XXXX XXXX  XXXX XXXX XXXX. I have requested the Servicer XXXX XXXX  numerous times sending a Qualified Written Request to find the real owners of my Mortgage since I would like to negotiate with them. They ignored my requests. Please you are my last resource.
Consumer complaint received 2020-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

I received a phone call from a collection agency regarding a cell phone bill from XXXX XXXX XXXX XXXX. I have been disputing this bill for about 4-5 years now This isn't my bill and I have previously furnished a FTC Affidavit and police report and I am now sending the same information again. Please stop collecting on this this isn't my bill please close the account and remove from all 3 credit bureaus. 

Thank you
Consumer complaint received 2020-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (OH)

American First Financial was to put me into a holding of the loan or repayment plan, because I started to experience lack of work due to covid-19 early on. Instead they closed off loan and today refused to give me a chance to settle debt. the representative would not even discuss account with me. I told him no collections agency was assign WHY can't I settle it. They added close to {$700.00} in fees I believe. I can't even get a fair print out for account activity. He told me to pay off a large balance somewhere between XXXX ( reported on my credit report ) to XXXX ( by  representative ) I believe. I made my payment regularly until this happen. My whole loan was paid except a small portion.
Consumer complaint received 2021-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. There response has not resolved the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX
Consumer complaint received 2023-01-27
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. (NJ)

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Chargeoff Past due amount {$870.00}
Consumer complaint received 2020-06-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.