vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
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.
State: GA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I spoke with an agent back in XXXX and was told donate the bed frame and it would be deleted from my account i called for my letter and never got got it and its still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: OK

Complaint narrative:
Lend Nation XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ( XXXX ) XXXX Account # XXXX The loan was refinanced on XX/XX/2022, in the approximate amount of {$920.00}. The loan should have been due in thirty days, but I was told it was due instead on my next pay day on the 3rd of the month. I was not given a copy of the loan agreement and there is none posted under my user profile on-line. 

I am unable to log in and make loan payments prior to the due date or on due date because the creditor manipulates on-line user account access. The creditor telephones me right after my failed attempts at logging on. I am told they prefer me to call in to make a payment. I often inquire about the change of monthly payment amounts, no on-line statements, and the balance isn't decreasing. 

XX/XX/2022, {$80.00} XX/XX/2022, {$150.00} XX/XX/2022, {$150.00} XX/XX/2022, {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
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.
State: LA

Complaint narrative:
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 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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL has been sending me Parking Charge notices seeking payment for parking I already paid at time of services at their XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX to XXXXXXXX XXXX. I reached out to this vendor immediately upon receipt of first notice, but was only allowed to contact them by email ; they do not provide a phone number so you can't talk to anyone at all. By email I submitted my bank statement showing that I paid for not only this car, but my oldest daughter 's car that was parked with me in the XXXX XXXX XXXX known as XXXX XXXX XXXX for the same time duration that day as we were visiting my youngest daughter at her apartment. I provided copies of both payment transactions from my bank as I paid by credit card at the parking kiosk on site for both my car and my daughter 's car. They emailed me back and said they refused to accept my proof of payment from my bank. I did my research on this company... Please see what the XXXX XXXX XXXX complaints has to say about XXXX XXXX XXXX of XXXX XXXX. They have been scamming people claiming they did not receive payment when indeed they have. A class-action lawsuit claims XXXX XXXX XXXX  is violating state and local laws. I will not pay for parking I already paid for. They wanted {$78.00} initially ... now that they are using Oxygen XL collecting agency to collect so it is up to {$83.00} for which I refuse to pay because, again, I paid for my parking at time of my parking space occupancy on XXXX. As a consumer I want everyone to be protected from scammers like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital systems refuses to send XXXX XXXX any recept or information containing to a debt in the amount of XXXX said to be owed by XXXX XXXX. 
Numerous attempts have been made to correct this mistake without any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
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.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I was informed of the judgements/debt while trying to purchase a home this year. I was not aware that these judgements existed. The debt is not on any of my credit reports. I was never served any documents on any of these judgements. The debt is dated for 2014, which is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mother passed away in XXXX of XXXX. I am the trustee of her estate, which includes a property subject to a mortgage serviced by PHH Mortgage ( PHH ). I mailed all requested documentation to PHH Mortgage in XXXX of XXXX  to verify my successor status. I have made payments, but have not received a statement in months. I have requested that they accept me as the successor in interest, and they have no reason to dispute my claim. I recently learned that PHH has reported a delinquent payment. THIS IS AN OUTRAGE!! I have waited almost six ( 6 ) months for a response to my letter, with attendant documents, which was sent to your office on XX/XX/2022. I have multiple forms of confirmation that these documents were sent to you in a manner which satisfy the California Evidence Code. 

This is clearly a defamation of the estates credit you know very well from my letter FROM ALMOST SIX ( 6! ) MONTHS AGO as well as my subsequent conduct of sending payments WITHOUT THE BENEFIT OF ANY MONTHLY STATEMENTS. 

At this point, it seems clear that it is PHHs intent is to foreclose on the property due to nonpayment after this oppressive practice. This is a violation of Californias Unfair Business Practice Act, California Business and Professions Code 17200 et seq. as well as an obvious violation of California Civil Code 2920.7. I feel that the CFPB should intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
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.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had accepted a Settlement offer on a XXXX XXXX XXXX Personal Loan offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
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.
State: LA

Complaint narrative:
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 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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07 00:00:00
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.
State: LA

Complaint narrative:
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 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 the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall ot furnish any information relating to a consumer to any consumer reporting agency ifthe person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
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: EQUIFAX, INC.
State: FL

Complaint narrative:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I went online to get a loan but there was no paper work. When I went online it never gave me a fixed rate because there website went blank. Next thing I knew I was approved got a text message I made my first payment for XXXX XXXX XXXX dollars and XXXX cents I seen that my bill only went down XXXX dollars this is not what I had signed up for since there website crashed and I was unable to see what I was getting I want to know why my loan went down only XXXX dollars when I paid XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation