vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: IN

Complaint narrative:
On my very first payment I attempted to send in, I had the account number off by a digit and did not realize it. I was not made aware of it until it was too late. I corrected it immediately. I own over 10 cars, literally I have more than 10 loan payments every month that i keep up with. I understand this is NOT BMW financial 's fault, so i wrote a letter and just asked for forgiveness for this one misstep. Since then have I made every single payment on time as promised and will continue to do so until the vehicle is paid off. 
I know they will tell me that they are required to report accurate information to the credit bureau, but i also know there is a way they can forgiveness if they choose to help me out. I have seen it done in the past and i have a perfect payment history other than that first blunder and will keep it this way. I am just begging for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5700.00} XX/XX/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

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$9200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5700.00} XX/XX/XXXX XXXX XXXX  XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  FL 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXXXXXX XXXX XXXX XXXX account number XXXX. In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX  and XX/XX/2021. I assert that my payment was made on XXXX XXXX XXXX in the amount of {$300.00} with confirmation number XXXX as well as a payment XXXX XXXX XXXX  in the amount of {$460.00} confirmation number XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello I am wanting to send in a formal complaint to you to see if it is something that you can help me out with. My complaint is against Bank of America. I am going to upload several documents for you review. It has been an ongoing since XXXX of this year and the bank is not giving me any help on this matter. You will see the large amount of money that is involved and I have had these funds traced back to fraudulent crypto currency wallets. The transactions you will see highlighted from several bank statements with my account information blacked out.

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 monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was contacted XXXX central time on XX/XX/2023 from my mom that she was being contacted by Bank of America XXXX there was a flagged suspicious application in my name. The fraudulent applicant put my mom 's number in the application. I was put on a 3 way call to cancel the application as well as put in a request for the copy of the application which can take 7 days to receive the request form and up to 30 days to receive the copy of the application. I was advised I would need to contact the credit bureaus ( XXXX, XXXX, and XXXX ) where there was a hard inquiry to my credit from Bank of America. I was able to have the hard inquiry removed from my credit and have gone down the avenues to be put on an initial credit alert for the next year, as well as, put my credit on freeze with all 3 bureaus, but I need to supply the bureaus with an FTC report/CFPB report in order to be granted a 7 year credit alert.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-09-06 00:00:00
Product: Credit reporting 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:
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.

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.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: CA

Complaint narrative:
NRA has sent a rebuttal for the first complaint filed, claiming that there was an alleged debt validation letter sent to my current address in XXXX of 2023. There is no proof that this validation letter has or was sent, as they have yet to provide this information. As well, the company continues to fight to leave the presumed debt as a collection without proof of ownership, which is illegal. At this point, the company has no legal grounds to stand on in keeping the presumed debt as a collection.

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 2023-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
XXXXXXXX XXXX and their Servicer, Heartland ECSI. 

My Principal payments and Interest payments have been changing every few months without me being notified. This resulted in late fees and damage to my credit scores. 

I have called them and asked them why the price changes, which they claim is variable interest rates changing every 3 monthd. But my principal amount owed each month also changes seemingly randomly which makes no sense. In addition, my interest owed each month is also inconsistent almost as if it changes every single month. 

I also asked them why I do not received emailed billing statements even though i signed up for it on their system, and they would not answer. 

They also would not explain why my payment owed changes every single month. I had the account on auto pay, but the amount changing every single month without notice caused the account to fall behind and they charged me late fees. I am at a point where I'm scared of this account and have to check it every single day to make sure I don't owe some random amount. 

On XX/XX/XXXX I had to pay {$910.00} because of this issue. When I called them, they said it was not their problem and they could do nothing and did not give any explanations It happened again On XX/XX/XXXX I had to pay a total of {$860.00} because of this issue. Then on XX/XX/XXXX another charge of {$40.00} was owed for seemingly no reason Then on XX/XX/XXXX, another {$44.00} was owed without explanation. 

I've reviewed the charges on the account and the principal amount owed each month is never the same and the interest raises randomly without notice. 

Their customer support would only tell me variable interest rates and not explain how my payments went from {$130.00} to {$510.00} in 6 months with only a 1.7 % interest rate hike during this time. 

They are gouging money from me and pushing me towards the brink of bankruptcy without remorse or explanation. And then they change the amount without sending me statements and charge me late fees. My payments went from {$130.00} to {$510.00} in 6 months without any warning or notification between changes and I have been charged fees for every single late payment because if these random and unannounced changes. 

I was even told I still owed {$800.00} when my account only showed {$59.00} owed and they would not explain this. I never receive billing statements at my email like I signed up for and I can only access the statements after the fact, at which point they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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.

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 2023-09-06 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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.

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