davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (TX)

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This is NOT a request for verificationor VALIDATION or proof of my mailing address, but a request for Identity Theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Date opened : XX/XX/2015 {$69000.00} Account : XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX Date opened : XX/XX/2015 {$38000.00} Account:XXXX I XXXX
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I contacted Ocwen Loan Servicing LLC 's customer service and their consumer ombudsman since XX/XX/XXXX requesting specifically for a copy of my appraisal report for the loan used to purchase my home back in XX/XX/XXXX because the lender never provided a copy to me that I paid for {$370.00}. I was told the lender would mail my copy but never came. Ocwen Loan sent me a property valuation instead on XX/XX/XXXX. I spoke to Ocwen 's representatives at different times and they knew what I was asking for but gave me something else. It was not an appraisal report.
Consumer complaint received 2018-07-30
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 requested Experian to investigate and send proof of investigation of the account XXXX XXXX XXXX. First this account is over 7 years old. Second this account was paid as agreed and in full to the Original owner of this account XXXX XXXX XXXX. Experian refuses to send proof of any verification after 3 request sent to them.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. ()

Follow up complaint number XXXX with XXXX andFTC Report number XXXX : On XX/XX/XXXX I call EQUIFAX phone number XXXX First call spanisn speaking XXXX send me to XXXX whom when I gave my SSN stop the call ; never call back. 
Call again XXXX With XXXX explaining that I has being pursuing : Protection of my Identity for the BAD ADMINISTRATION OF THE EQUIFAX DATA BREACH whom was affected in XX/XX/XXXX when them need to paid : My request were 1. Stop the Equifax 3- in-1 Credit Report suscribed with XXXX on XX/XX/XXXX for the amount of {$14.00} take it for my checking account. 
2. Request my credit report. 
3. Ask why when call the EQUIFAX LEGAL ADMINISTRATION FROM SEATTLE the EQUIFAX said : the person with SSN does not exist in the market because him did not owe nothing. 
4.Update my information.
Consumer complaint received 2018-07-30
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: CITIBANK, N.A. (MI)

Cbna Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this credito
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2018-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NJ)

The attached collection never proved any right to collect a debt, which requires according to the Federal Trade Commission, Consumer Financial Protection Bureau and my rights under the Fair Debt Collection Practices Act not only a statement that the collection agency or debt buyer is trying to collect on a debt. but there must also be given to the consumer a sign off statement from the original showing documentation that the debt collector was assigned permission to collect a particular debt, but since the US Supreme Court decision on XXXX XXXX XXXX XXXX XXXX XXXX, there are hundreds of collection agencies now identifying themselves as debt buyers. This decision basically throws out my rights under the Fair Debt Collection Practices Act completely. There is a big problem with collection agencies now classifying themselves as debt buyers. The first problem is that almost all states are now requiring separate licensing for such a designation. Most debt collection agencies are avoiding that requirement nationwide. In addition, there must be a written statement from the original debtor showing proof of new ownership. A simple letters from a debt collector will not stand up in any state court. The attached collection/debt ownership is invalid based upon the fact that in most cases a collection agency can not show proof of assignment or new debt ownership. Almost all credit card ownership has been sold to securitized pooling agreements. This is factual which means one thing, how can the original procurer of a debt assign collections or new debt ownership without approval from the original securitized trust without buying the debt back itself. The simple math proves otherwise. This letter of the right to collect either on collection assigned rights or new debt ownership is invalid based upon the disconnect of rights. Accordingly, the collection is invalid and can not have validity unless its given back to the original debt procurer. I am not disputing the obligation of debt. The collection agencies have already abused the XXXX decision causing billions in financial damages to the American consumer. This collection is in essence invalid and my file should be purged and any reference to a collection on my credit bureaus must be deleted permanently.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

With an XXXX credit score, I had a XXXX XXXX XXXX credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my Experian credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at XXXX can give me the contact information for who closed my account and reported this error to Experian.
Consumer complaint received 2021-11-11
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-18
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: LEXISNEXIS (AR)

This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to report.
Consumer complaint received 2022-05-02
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Good day! 
We would like to ask for your help to expedite the short sale approval for this property. We have been working with this file since XXXX but until now we are just getting back and forth and SPS will always find ways to extend the time of review. We really don't know why it takes time for them to approve because the value of the property is at {$80000.00} and our sales offer is {$83000.00} which is higher than the value of the property. 

We hope to get the approval letter this week. I also escalated this to their ombudsman dept. 

Thank you!
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the method of verification for XXXX XXXX XXXX and was never supplied the method of verification. I have attached the original letter that was sent certified mail. The letter was delivered XX/XX/XXXX per postal tracking number. They are going against the fCRA. I want this inaccurate account deleted. The letter was delivered and they never notified me that it was under investigation. They never investigated nor provided me with the method of verification.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-07-29
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 was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. SC XXXX ( XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ), XXXX ( Transunion ), XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transuion ),  XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ). I am acting on my own behalf and  need help with this.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-19
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2018-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Bayview Loan Servicing will not answer the phone or return my call. They dont want to talk after trying to scam me out of money! On XX/XX/XXXX I received a call from XXXX at Bayview Loan Servicing congratulating me for completing my Trial Load Modification. She said I would be receiving a package from Bayview Loan Servicing and I would be working with XXXX XXXX going forward. I received the package from Bayview Loan Servicing, signed the documents, had them notorized and returned them. On XX/XX/XXXX XXXX XXXX from Bayview Loan Servicing called and claimed they didnt receive my final trial payment. I sent her proof the payment was debit from my account on XX/XX/XXXX, she continued to argue with me, so I told her I was going to contact my bank. My bank investigated the supposedly missing payment and told me that XXXX lied! The payment went through on XX/XX/XXXX and the bank gave me the transaction number. XXXX did everything to sabotage my loan modification and she is the reason my bank did a reversal payment. She wanted it to look like insufficient funds. When Bayview received my payment on XX/XX/XXXX it should have been applied to my account. I have been calling Bayview Loan Servicing all week trying to submit the payment again that was reversed because of XXXX XXXX lies! No one will answer or return my call!!! This is really ticking me off and I will be contacting my attorney Monday!
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Around XXXX of XXXX, I discovered that an account I had with Bank of America had been charged off. I had a secured credit card with them since XX/XX/XXXX. I contacted Bank of America to figure out why they charged off the account for {$880.00}. 

I did not receive any specific information, other than a charge that was credited back to my credit card was reversed and I had that as a balance. I never received any type of notification that they had reversed the charge or any billing statement. 

I requested documentation for the charges from Bank of America, which I never received. I attempted to have the information corrected on my credit bureau, however Bank of America continually states they are reporting the account correctly, which is inaccurate. 

I have offered as much as paying the balance in full, in order to have the reporting corrected on my credit bureaus, however they refuse to accept payment. I sent them a letter and email advising that I had never received a bill for the charged off amount and I was never given an opportunity to pay them, prior to charge off. 

I told Bank of America that I did not agree with the reversal of an unauthorized charge, however they stated they are no longer able to investigate the unauthorized charge. I requested proof that the charge was authorized and accurate, however they did not send me anything. 

I sent a letter to Bank of America and I have received no response. I also emailed the CEO and VP asking for assistance, to no avail. 

Please assist me in getting this resolved.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Dave Operating, LLC (WI)

signed up for XX/XX/XXXXwhich is XXXX XX/XX/XXXXXXXX XXXX in XXXXi did not want to go any further than that as it seemed scammy so i requested my account to be closed in XXXXXX/XX/XXXX as as of today they still refuse to close the account with my name on it.
Consumer complaint received 2024-10-15
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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MA)

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly.

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc. (NY)

On XX/XX/2020 I mailed a debt verification letter to national credit systems in regards to a debt in my name. I sent it certified mail and it shows they received it XX/XX/XXXX. I called a few weeks after for an update. I was told that since I wanted this information the police would be sent to my house and a police report would be made out for fraud. I only asked for information on XX/XX/XXXX they sent a bill but no verification to the debt which is required by law to answer in 30 days. So theyre trying to say they sent something but they didnt just a bill and no verification and a threat to call the police for fraud since I was fighting the claim. By law its a requirement to answer if not then to remove the debt.