davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (IL)

On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (LA)

After review of my CALIBER HOME LOANS mortgage XXXX credit report, I observed erroneous information reported. XXXX XXXX XXXX {$150000.00} ALL the below information is incorrect : 1. rating of 30 was reported XX/XX/XXXX, XXXX rating of XXXX XX/XX/XXXX. I have never ever been late paying my mortgage. This is frustrating to see this on my credit report. 
XXXX. Also terms states XXXX $ paid for 360 months XXXX. XXXX XXXX -- High balance of {$150000.00} from XX/XX/XXXX to XX/XX/XXXX This account was bought out by XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I called Navient today to make a complaint because they are not permitting me to renegotiate the interest rates on my private loans. My loan balance is more than {$100000.00} and has not changed despite my monthly payments. Due to steadily increasing interest rates, my monthly loan payments have increased from approximately {$500.00} to almost {$800.00} in less than 2 years. I am deeply concerned about their practices which feel predatory and unreasonable, especially to someone with a low-income background who was the first in her family to go to college.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2015-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

PNC bank offered promotion {$300.00} for creating account. 
I applied for account XXXX/XXXX/2015 over phone and agent emailed me coupon with conditions. 
One of required conditions was to have total Direct deposit at {$5000.00} within 60 days. 
This and all other conditions were met by XXXX XXXX, 2015. 
Account was created according to PNC papers on XXXX -- XXXX/XXXX/2015 and corresponding documents were sent and delivered to me on XXXX XXXX, 2015. 
Until that I did not even know for sure that account will be approved moreover did not have account number. 
PNC did honor their obligation to pay Promotion bonus. 
It is likely because they started counting from their internal work for account creating rather than from the moment I as account holder became capable to handle my account and in particular assign my Direct deposit to this financial institution. 
Until I received paperwork it was their account though on my name and it was not mine. 
I requested to compensate delay on those several days because in no way I could use my account before having account number. By the way PNC failed to email me any info confirming account creation and when I called over phone their agents twice could discover status of my account. 
I found this as dishonest practice.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Back in XXXX I contacted Transunion, XXXX and XXXX and advised them that the there were excessive inquiries on my credit report that I knew nothing about and did not authorized, Fraud alert was put on my credit file and Transunion deleted XXXX of the inquires then they put them back on my credit file. XXXX deleted about XXXX of the inquiries and left XXXX on my credit file and XXXX also deleted XXXX of the inquiries and left XXXX on my credit file. My credit file had Fraud Alert and I am still showing new inquiries on my credit file from all XXXX credit Bureaus, which is Fraud. How can this be when I had my credit files documented with fraud alert regarding unauthorized inquiries and neither credit bureau can show me proof where I authorized or gave permission for my credit to be pulled.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has incorrectly stated I owed money to this doctor, which was never true. Please contact both parties to review and have them remove all from my damaged credit file : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-03-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Navient Solutions, LLC. (TX)

I would like to confirm of this company because i have paid several times and i do not receive any receipts but only where i need to go to submit my payment. I feel like when i get a call from them it should be at decent time or a voicemail that connects to the company. I ask that this company to reach out to me in a timely manner with some information to assure me that this legit company.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NY)

Dear CFPB, I am having a problem with accessing my credit. I 've applied for XXXX ( XXXX ) credit cards from XXXX. In XXXX 2015, I was denied and the reasons for their decision was credit bureau information missing or unavailable. I made a complaint to XXXX and they gave a response that was somewhat satisfactory. They explained that a initial fraud alert was placed on XXXX credit file. I then resubmitted the same application a month later and was denied for the same reason. I spoke with a supervision in the application dept. on XXXX/XXXX/15 at approx. XXXX and it was suggested to me to contact the CRA and get the initial fraud alert removed because they are not able to see items in XXXX credit file.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A. (FL)

XX/XX/2024 - I called the Law offices of Pollack & Rosen , P.A . at XXXX and spoke with a gentlemen who gave the name of XXXX. I advised I received a notice in the mail to appear on a XXXX  on XX/XX/XXXX about a charged off debt for XXXX XXXX. I advised him that I would like to work out arrangements. I gave him the XXXX XXXX : XXXX. He asked how much I could pay I explained {$100.00} a month and he asked if I could afford {$200.00} a month which would be for XXXX months to pay the remaining balance owed of {$4700.00}. I advised I could not. He stated he would mail a fact sheet to me at my home address which he verified and I never received the fact sheet which was explained by XXXX to include my income and debts to determine my ability to pay to work out a payment plan. 

XX/XX/2024 : I contacted the Law offices of Pollack & Rosen , P.A . at XXXX and spoke with a gentlemen who gave the name of XXXX. I explained I never received the fact sheet in the mail and again he said he would mail the fact sheet. He also mentioned that a judgement was going to be filed against me. He verified my address again and said he would mail the fact sheet to my address. I also asked for the managers name which he gave XXXX for my records. 

XX/XX/2024 : As of today Im filing a complaint because I received another Notice of Taking Deposition Duces Tecum In Aid of Execution to appear on a XXXX on XX/XX/2024 from the Law offices of Pollack & Rosen however I never received the Fact sheet I was promised and they refuse to accept the payment arrangement that Im willing to pay. Also this account charged off with XXXX XXXX and by law according to the IRS I should have received a 1099 cancellation of debt when this account initially charged off. In addition the law offices representative who I spoke with has yet to send the information requested and Im requesting that all collection activities be ceased as result of XXXX XXXX not following the law to provide a 1099 and the attorney office promising to mail a fact sheet and has not provided the information. As well as telling me a judgement is going to be filed against me.
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

Coin base allowed someone to change my password, access my account, and start liquidating crypto. I contacted them during the crime and requested my account be frozen. The thief has several outgoing transfer is pending which coin base thats far has blocked but I want to ensure they do not go out and I would like to salvage whatever money I have left. Coin base has not responded to any of my Messages and does not have any outgoing call center or I call XXXX or you can call him to discuss
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I became aware someone stole my identity and was opening credit cards I did n't apply for in my name. I called Transunion and placed a fraud alert on my credit file. I then tried to obtain a copy of my credit report from Transunion ( through the " www.annualcreditreport.com '' website ). Transunion has blocked or " masked, '' as they say, my social security number, and will not allow me to access my credit report. After numerous hours on the phone with Transunion phone reps, they acknowledge the problem but Transunion refuses to correct it despite my numerous requests. As I have explained to them, I need to check the credit report to make sure there is no other unauthorized activity. All the Transunion reps have done is transfer me back and forth among three numbers ( XXXX, XXXX, and XXXX ) but none of them have helped me access my credit report or provided a solution to Transunion 's acknowledge problem. I am out of options with Transunion. Maybe the FTC can get them to do something before my credit is ruined? Maybe they 'll listen to the federal government, they sure do n't give a darn about consumers. Thanks for any help you can provide.
Consumer complaint received 2017-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (AR)

To Who m It May Conce rn, I am filing this complaint because of unfair consumer rights. I have been disputing the amount of my  XXXX  bill final amount due every since I completed my 2 year contract. I no longer wanted to use their service and sent them all of there equipment. This amount of {$120.00} has been in collections fo r 2 1/2 ye ars. I contacted AFNI Collections to settle the account because they sent me an offer that if I paid {$62.00}, which is half of the claimed {$120.00}, that  XXXX   XXXX  said that I owed. So, I agreed to pay the {$62.00}  ( C heck  XXXX  dated  XXXX   XXXX ,   XXXX   ). Now that I have contacted both  XXXX   XXXX  and AFNI Collections to have this moved off my credit report and to have it reflected as paid, both companies are giving me the run around on who owns the account and who should have received the payment. But, I was told by the collections com pany AFNI to send   payment to  XXXX  because they could not receive money directly, but they could make the agreement to make a settlement offer because they worked for  XXXX   XXXX . I have paid the agreement that the company that was listed on my credit report had offered to settle this. I need to get this resolved. As you can see on the check that I paid, it lists both companies on the check. Now  XXXX  has another collections company trying to collect another {$62.00}.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AR  XXXX   XXXX  XXXX  XXXX   (   XXXX  )  XXXX
Consumer complaint received 2016-10-02
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (NJ)

My mother, XXXX XXXX died on XXXX/XXXX/XXXX. Shortly before her death, she spoke with me as to her home which she purchased for cash in the XXXX. The property is located at XXXX XXXX XXXX XXXX XXXX. XXXX NJ XXXX. She wanted the property to go to me and my siblings. In the last stage of her life, my sister had to move in with her to take care of her. After her death, I assumed my sister would continue to reside in the home, so I did not pursue selling the property. On XXXX/XXXX/XXXX, I was served with a notice of intent to foreclose on my deceased mother 's property, with a notice that I had 30 days to dispute the validity of the claim or debt. The notice claims that there is a mortgage on the property and I am completely unaware of such. My mother is XXXX and spoke very little XXXX, and understood very little. She was also declining in XXXX and was approaching XXXX. Her driving priviledges were taken away, and she needed help to get by day to day I do not believe she knowingly signed any mortgage, and as such, I responded to the law firm on XXXX/XXXX/XXXX certified with return receipt. It was received by the law firm on XXXX/XXXX/XXXX, and I received NO response. I called them and was told they would get back to me. They never have, and I have called them repeatedly, they always say they will get back to me. I do n't know what else to do, and I am asking for help from you.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX completely disagree with the account listed below which is still showing on my consumer credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly affecting my credit score XXXX  XXXX XXXX ( Account # XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A_D, Please provide the name, business addresses of each individual with whom you verified the above, so that I may follow up, please send me an updated copy my report after the reinvestigation. 

XXXX XXXX
Consumer complaint received 2022-09-04
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. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES WHICH WERE NOT DONE BY ME, EQUIFAX AND XXXX CREDIT BUREAU INQUIRIES BELOW : *****XXXX XXXXA XX/XX/XXXX ***XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ***XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX AND XXXX ***XXXX XXXX  SHOWS A XXXX BALANCE THIS CREDIT CARD WAS PAID TO A XXXX BALANCE I ASK GRACIOUSLY IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

**XXXX XXXX XXXXXXXX XXXX IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY .... 15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED. 

EQUIFAX XXXX AND XXXX XXXXXXXX XXXX CREDIT CARD AND XXXX XXXX CREDIT CARD IS MY CREDIT CARDS AND WAS PAID TO XXXX BALANCE ..THESE TWO ACCOUNTS SHOULD BE UPDATED TO PAID TO A XXXX BALANCE. **** THIS IS NOT ACCURATE ON MY REPORT.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (DC)

NCC Business Services in XXXX Florida insists that it takes 10 days to obtain a proof of payment from them, claiming " first come first served ''. Representative said it was like signing a credit card statement at a restaurant. When I mentioned the process does n't take 10 days at a restaurant she said again " first come first served '' as though there were ten days worth of trucks full of payment receipts needing to be processed. When a payment is collected, I should be able to get a receipt as soon as the funds come out of my account.
Consumer complaint received 2022-02-11
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. (OH)

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WA)

Got a letter in the mail from a debt collector says I owe {$640.00} through a XXXX account and I'm thinking this is not my debt can I have the original name and address of the original collector sent to me please
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Partners, LLC (CO)

i sent a request pursuant to the fair credit reporting act demanding the said company prove they have the legal right to collect said debt even if debt exists. they ignored the request and let the statue of limitations expire. I then sent a final demand to remove the item and cease and desist. They intern sent a validation of debt in response. All documentation will be included. I followed up with then and their response was to hang up on me.