davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

sometime on or about XX/XX/2016 the company by the name XXXX XXXX XXXX an office locater in XXXX IL XXXX. I have notifly this company and experience about this inquiry that has damage my credit with my creditors. I have no reason to file bankrupt my husband and I have about 90.000 00 per year income .while checking my most recent credit report. I noticed credit inquires that I did not authorize, I did not authorize anyone employed by these company to discuses any thing about us file bankrupt .which is serious effect our borrower power from the bank we do business with. by this error been on my credit file that I did not authorize. I have notify Experian  number of time to removal this from my file.. this is a violation of the fair credit act 1681b ( C ) and a serious breach of my privacy right. I ask Experian  to request a validate of my signature from this company .and there comment to me was that this firm is not a part Experian to contact.in the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. please note that you have 30 day to complete this investigation, as per the fair credit reporting act section 611.
Consumer complaint received 2021-12-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (TX)

BMW Financial Services is currently reporting 4 months of payments 30 days late to each of the credit bureaus, when they were not late. They have confirmed this information for me, but will not update the information correctly. When XXXX, XXXX XXXX and XXXX investigate BMW is not cooperative. My complaint is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-04-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

My complaint is against XXXX XXXX XXXX they are trying to collect on a balance of {$55.00} that is unknown. I am asking this company to send Validation for this debt, not simple verification. They are a 3rd party collection agency brought this debt from the original creditor. This company never attempted to contact me requiring this debt. If this is a medical debt it should go back to XXXX, because I am XXXX and have been on XXXX. The provider or hospital must have submitted the claim wrong. Send this debt back to the original creditor.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (CA)

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. 
XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, are all unauthorized and 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 2022-06-10
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and 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 2022-05-03
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 following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Equifax states that I have a collections account in the amount of {$580.00} with XXXX XXXX. This debt was paid in full in XXXX of XXXX and was removed from XXXX, but not Equifax. I contacted Equifax on XX/XX/XXXX to dispute the account still reflected on my account and it still was not removed. They gave me a confirmation number of XXXX. I received a " dispute completed '' email on XX/XX/XXXX but the account still remained as a derogatory mark. I reached out to the collection company onXX/XX/XXXX ( Collections Unlimited ) to obtain a receipt that the debt had been paid in full, even though it had been reported as paid. Equifax still would not remove the account given the documentation provided.
Consumer complaint received 2022-06-10
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. (CA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (IN)

I have been receiving multiple automated calls from numbers in different area codes that would not leave messages and I don't pick up calls from unknown numbers. Then I started to receive automated calls with a robot message, which I thought was a scam as no professional company leaves a robot message that doesn't speak in proper English. A couple weeks ago, I happened to answer a call from a XXXX area code. A man replied he was XXXX XXXX with attorneys of XXXX XXXX and Associates and was contacting me because he had some papers on his desk from Check n ' Go wanting to sue me over a debt from 2014. He said incorrect name of my employer and the call sounded fishy, as I told him I had no knowledge of a debt with Ckeck N ' Go and wanted written corresspondence confirming said debt. He stated his company is a " green company '' and could send email only. Then he asked what my email was. I didn't trust him or the reason for his call so I said I would look into it and got his contact info. If he had my information already, why was he asking for my email? He said he is located in XXXX and I questioned why I'm getting these XXXX area code calls, along with unknown numbers. He said something about it helps people who don't have long distance available as it pings of a local tower??? I asked for his role with the company and he said credit specialist. He was very rude and aggressive and said the outlook of this matter depends on him and I need to call him back as soon as possible. When I said I was leary of the call, he said there probably is video footage that he can get in a threatening way. This made me more suspicious. After multiple robo calls again, I get a voicemail from a XXXX number this morning ( XXXX ) on my cell and at work. The message threatened to have me sued and summoned at work if I didn't respond today and that there was a certified letter from the bank and video footage of me walking into this said business of which they say I owe a debt. In the voicemail, it was as if he was making fun of my questioning the nature of this call, as he stated ... '' I spoke to you on XX/XX/XXXX in reference to some bad check allegations that were scheduled to be levied against you in XXXX XXXX Court by one of our clients and if I remember you correctly, you're a bit skeptical of any and all things great and small ... listen we have to clear out our backlog because of this virus going on and I can't allow these accounts to stack up in our office ... '' He mentioned in the initial call that Check N ' Go is reaching the statute of limitations as they have 7 years to collect a debt. I have googled this mand and attorney 's office and there are multiple complaints against their business practices and are known to be threatening and aggressive with people they call to basically scare them into paying money that they might not even owe. They need to be stoped immediately as this is harrassment!
Consumer complaint received 2018-04-07
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. (MD)

Hi, My name is XXXX XXXX. I have had an unauthorized inquiry on my credit file from a company in California named 'XXXX XXXX ' on XX/XX/XXXX. The company had used the services of the company XXXX XXXX to do so. Having learned about this, I contacted both XXXX XXXX and XXXX to have this issue looked into and resolved by having the unauthorized inquiry removed after they concluded their internal investigations.

To an extent, this exercise was successful as both companies had worked in conjunction with me and had issued notices to the XXXX, XXXX, and Equifax credit bureaus. By XX/XX/XXXX, both XXXX  and XXXX promptly removed this unauthorized inquiry from my file. Equifax did not.

I, alongside XXXX XXXX and XXXX, have since worked with Equifax to have the same inquiry removed from my reporting file, but to no avail. I have spent hours upon hours calling their customer service lines, talking to their frontline representatives and managers in the XXXX until being transferred up the command chain all the way in XXXX, GA, who by now know my name and all details very well. But continue to dodge, ascertain and impress upon me that the inquiry was legitimate, despite the agency XXXX XXXX, explicitly doing the needful and resending confirmation via my fax and postal mail many times over of their mistaken inquiry.

Every Wednesday and Friday since XX/XX/XXXX, to last week has been a waste of my energies into requesting Equifax to remove the fraudulent inquiry, after plentiful verification was submitted to them, by me, XXXX, and XXXX XXXX. Yet, to the day, Equifax, refuses to remove the corresponding inquiry from my credit file.

Please help.

I can be reached on my cell at XXXX, or via my email at XXXX.

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IN)

My mortgage is currently serviced by Selene Finance. From XX/XX/XXXX to XX/XX/XXXX, Selene collected over {$30000.00} from the Indianas Hardest Hit Fund. This program is governed by the Indiana Housing and Community Development Authority, with original funding coming from US Department of Housing and Urban Development ( HUD ). HUD established these programs to offer mortgage assistance to unemployed workers, so they could avoid foreclosure. All funds distributed through this program are the product of US Treasury Funds, essentially taxpayer contribution. 
The accounting records that have been provided by Selene are incomplete, since the entire payment history is missing to show application of the {$30000.00} Hardest Hit Funds distributed to them. Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since  they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). 

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. 

Selene is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. Selene has imposed a foreclosure sale date on XX/XX/XXXX.  Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter. You can reach me via email at XXXX.
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC (VA)

XXXX Upon reviewing my updated consumer report I noticed that my Hippa law has been violated by Wakefield and Associates account # XXXX. 

Wakefield and Associates Is a third party collection agency. Who is trying to attempt to collect for XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I initiated a XXXX transfer of {$220.00} to a merchant thru regions bank and never received any products I ordered. I was scammed. I called my bank and they told me they would open a claim but that I would most likely not get my funds back. The money was XXXX  on XX/XX/2019. The number was changed and the person no longer responded to any of my texts, calls or emails or messaging on social media. Then she responded saying get over it and cursing me out.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

Dear CFPB I paid my Gap card in full in XXXX. Apparently finance charges were added to account subsequently in addition to late charges causing a small balance to appear. I had no idea about this, received no bill at home or no notifications. I was only made aware when I check my credit report. Sychrony cancelled the balance out but the derogatory information still appears on my credit report
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I called XXXX  XXXX XXXX to inform them that this REPO is not mine. I have never voluntarily or involuntarily repossessed my vehicle and the supervisor said she would have it deleted.it never did!!! so I disputed it twice now and they continue to " reconfirm '' the information. This is only showing with XXXX but its hindering me from purchasing a home.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

RE : CAPITAL ONE NA Claim # XXXX On XX/XX/2017, at or about XXXX XXXX, I used an ATM machine located on the lobby of CAPITAL ONE NA Bank at XXXX XXXX XXXX, XXXX, NY XXXX, tel. ( XXXX ) XXXX.The ATM ID # XXXX failed to dispense {$100.00} cash requested. The metal rolling door opened and remained opened for 3-4 seconds, but not cash was dispensed.The bank declined my claim, deducted {$100.00} from my checking account and refused to provide video footage of the transaction proving that the ATM did not dispense the cash. 

After the failed transaction, I spent 40-50 minutes in front of the ATM machine talking with customer service and file a complaint. The ATM was not used during this time.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (VA)

On the morning of XX/XX/XXXX approx. XXXX XXXX  I received a call from my mother regarding a call she received about a debt, my debt. The representative of XXXX ( XXXX ) XX/XX/XXXX XXXX called my mothers cell phone number XXXX, spoke to my mother and informed her of my personal debt in detail without confirmation of the identity of the debtor. Based on information provided by my mother was that the caller asked for XXXX XXXX, my mother did not confirm her identity as XXXX, but merely responded how can I help you ... the representative then requested a date of birth, and my mother inquired who's and the response was for XXXX 's which of course my mother knew, and at that point the representative preceded with the debit details and pressuring for payment. The concerns is that my mother is a senior, fixed income and many personal medical issues and felt pressured to make restitution of this debt for me, but really does not have the means to do so ... .She told the representative that she would need to look at her budget and call back. At that time my mother called me in tears and upset and I was angry that they placed the pressure on my mother. I feel as though the pressure to collect and the lack of identity verification violates the regulations to protect the consumer and the consumers privacy. I followed up to obtain details of the debt be mailed to my home, so I may review and take the time to look at my budget and work to make restitution. I am sure there are recording of the exchange with the debt collector and would like them investigated for their violations.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX I fell behind on my Bank of America credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the Bank of American credit card entry was removed entirely from all 3 reporting agencies. Now a year later, I received an alert that a new line of credit was reported by Bank of America. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. Bank of America has in effect re-aged the debt. Instead of the debt dropping off my report based on the original XXXX delinquency date, they are using XXXX and added 5 years of impact to my report. This after deleting all of it a year ago.
Consumer complaint received 2021-12-22
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. (CA)

I reached out to Experian via phone on XX/XX/XXXX called a rep by the name XXXX at ( XXXX ) XXXX regarding incorrect information on my report concerning XXXX XXXX XXXX. I left a message for XXXX and as of today I received no call back or response. 

According to records and XXXX XXXX XXXX customer service the account went delinquent with no interaction XXXX. XXXX has is reported on my report that it went delinquent XX/XX/XXXX which incorrect according to the customer service notes which is an error.As a result of the incorrect information this account should've feel off my credit report this month of XX/XX/XXXX being the account is XXXX XXXX XXXX.