davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK (MT)

This is what the representative wrote regarding issues previously submitted. 

I wanted to apologize that you were given the run-around. That is not our intention in any way, and thats why I wanted to reach out to you, to let you know that you were advised incorrectly. I see based on the notes that the advocate informed you, that we would not be able to work on your accounts if we did not have the complete account numbers. I wanted to advise you, that is not true, and I apologize for that confusion. We do have a specialty team that reaches out to the creditors to locate our clients accounts. 

So after a previous complaint, we received a call from a so-called lender that supposedly can have a loan taken out to cover the debts in question. Now it doesn't make much sense to take this loan when the first company is unable to resolve the negotiations with the original creditors how is the lender going to be able to do it? First, most of the debts have been put on hold until they have been written off by the original creditors and they are being bought by collection agencies who could take pennies on the dollar to resolve. 

Does this make any sense, It sounds like we are being passed off to a third party so the first party doesn't have to honor the original contract but how are we supposed to know. What we do know is we are paying our fees on the said arrangement and what we get in return is excuses and misleading or conflicting info from customer service agents.
Consumer complaint received 2022-07-30
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. (LA)

I have reached out to ALL 3 credit bureaus- XXXX XXXX Experian XXXX XXXX several times to have this account with- ( XXXX XXXX  name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Consumer complaint received 2022-07-29
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. (TX)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 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
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1681e ( b ) Accuracy of the report ......

IRS defines charge off or a 1099c a gross or ordinary income. Income does not get reported on the consumer report. So why is a charge off being furnish as a debt on my consumer reports? When IRS says its an income, this now becomes an inaccurate account. Therefore should be deleted from my consumer reports. 
XXXX XXXX XXXX XXXX acct # XXXX a charge off. 
XXXX XXXX acct # XXXX. a charge off XXXX XXXX XXXX  acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off All account listed above are charge off/written off, should be deleted according to 15 USC 1681e ( b ) Maximun accuracy 15 USC 1681e ( c ) Disclosure of consumer reports by users allowed.

A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if ADVERSE ACTION against the consumer has been taken by the user based in whole or in the credit report.
Consumer complaint received 2022-07-28
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. (OH)

On XX/XX/2022, I was alerted by XXXX XXXX that my score had dropped. When I checked my credit report, I discovered an inquiry from XXXX XXXXXXXX XXXX,  of which I was not aware. Upon contacting XXXX XXXX XXXXXXXX I was told that at approximately XXXX XXXX of the same morning someone applied for a credit card using my information. I was not the one who applied, nor did I authorize anyone else to do so.
Consumer complaint received 2020-05-25
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. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX  - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX NA Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX XXXX  Inquiry Date : Doesnt show Creditor : XXXX BANK CONSOLIDATED Inquiry Date : Doesnt show Creditor : XXXXXXXX XXXX Inquiry Date : Doesnt show XXXX - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC (CA)

This is a very simple complaint. When I began struggling financially BMW called wanting me to pay them or give them the vehicle. They even told me if I let them take the vehicle and it sells for more than what I owed or I paid the deficiency off, They would delete the entry from my credit report. After hearing that I let BMW repossess the vehicle. I do see on my credit report BMW has a {$0.00} balance but that isn't the point. One, they never sent me a letter showing what the vehicle sold for. Two, I can still see it on my credit report even though they promised a deletion. Three, when I call BMW regarding the situation, they tell me I can't speak to a manager and they don't escalate calls. 

Bottom line is they need to delete this from my credit report as promised. If not, then they need to give me a disposition of vehicle. For all I know, they owe me money.
Consumer complaint received 2022-07-30
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit reporting act Credit Acceptance Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (AL)

I called the XXXX Credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX and XXXX XXXX om XX/XX/XXXX. After receiving a copy of my report, I saw the UNVERIFIABLE item on my personal profile, I noticed that there was erroneous item on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account will be updated. 

XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}
Consumer complaint received 2022-04-06
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I'm disappointed they have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. I demanded that this flawed, inaccurate report be deleted immediately or else legal action will ensue against them for failing to meet certain requirements set out in law with regards to these matters
Consumer complaint received 2019-04-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc. (WI)

I called SoFi and asked for paper statements as I was losing internet and computer. They said they only issued paper statements. I asked for a copy of that policy. They refused. I asked who governs their banking practices, they refused to tell me. I wanted to know if it was the Office of the Comptroller of Currency or the Federal Reserve. They said they are a private lender. So I learned they are governed by the Consumer Financial Protection Bureau, but they refused to tell me that information. They DO NOT have a license to operate in the State of Wisconsin, I live in Wisconsin. I asked for her last name, she refused. I asked for her supervisor, she refused. I asked for a copy of our conversation, she refused. I asked for a monthly statement to keep track of my balance, she refused. I asked for a copy of our loan agreement, she refused. I asked for my interest rate and when my loan would be paid off, she refused.As I am XXXX years old, with serious XXXX and health and XXXX  problems and lots of other issues, this is very stressful. Can you help? All I want are things in writing from this company and monthly statements.
Consumer complaint received 2023-03-15
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. (FL)

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. 

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 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 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NE)

Received multiple phone calls since XXXX from XXXX. When I returned calls someone named XXXX XXXX answered and asked for XXXX XXXX. XXXX is my mother who is deceased since 1993. I was very upset and asked this woman what " personal business matter '' she could possibly have with a woman dead XXXX years? She refused to tell me anything but they called my cell number? My concern is if this is a collection call it must be due to fraud because no one collects debts from XXXX years ago. When I tried to explain this to XXXX XXXX she refused to tell me anything. I want this company investigated because this is likely due to criminal behavior. The company is evidently a debt collection agency which purchases old debts. They should NOT be contacting me or harassing me when my mother is deceased since XXXX. This is predatory and abusive practice if I ever witnessed it. Calling a relative of a deceased person to harass for debt must be a violation of FDCPA. This is the contact information on their website : MRS-BPO XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX https : //portal.mrsbpo.com/
Consumer complaint received 2020-05-25
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. (GA)

I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 3 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 3 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

I settled and paid off this account. I was told by the representative that the account would be removed in 2-3 weeks. Instead of removing the account, they updated an incorrect balance. 

Because of this, I have reached out to the collector multiple times regarding the matter. Which they apologized and promised to resolve the issue but still haven't done so.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BK OF AMER XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY