davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BMW Financial Services NA, LLC (VA)

On XX/XX/2020 I went to BMW of XXXX ( Virginia ) to buy a car. During the process, the sales person asked me to fill out a credit application with BMW Group Financial Services. I stated that I had financing approved through XXXX XXXX XXXX XXXX. The salesperson then stated he needed me to fill out the form so they could do an OFAC check. When I asked what that was he said it was to confirm my identity. I read through the form and it clearly stated that signing the form was an authorization for requesting a consumer credit report. It also authorized sharing my information with other BMW affiliated organizations. I again declined to sign the form, but the sales person brought a manager who also stated I was required to sign the form so they could check my identity. I then read aloud the statement above the signature which authorized a credit check and said I would not sign the form. They eventually moved forward with the sale of the car, but the dealer practice is clearly fraudulent as they are blatantly lying to consumers who do not need financing. 

Dealers can check customer names against the OFAC sanctions list at this website : https : //sanctionssearch.ofac.treas.gov/. Consumers should know that auto dealer personnel are being fraudulent by stating you need to fill out the credit application form for an identity check. 

While the fraudulent statements were made by the dealership, they were using an official BMW Group Financial Services application form. The statement above the signature reads in part : I authorize BMW Financial Services ... to request information from me and to make whatever inquiries considered necessary and appropriate ( including requesting consumer reports from consumer reporting agencies ) in considering granting me credit ... offering me other products including credit cards ... I understand you use automatic telephone dialing ... I expressly consent to receive autodialed calls ... ( etc. ). By signing below, applicants authorize submission of this consumer credit application to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. 

BMW Financial Services should take responsibility for the fraudulent use of this form and ensure BMW dealers are not misrepresenting the form.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (ND)

Equifax continues to show my credit score 29 points lower than it should be. Since it shows my payments 100 % on time, and XXXX  and Equifax claim to use the same method to calculate scores, they should be fairly close to each other. This has gone on for several months now. I was late on one of my banks ' payments back in XXXX of 2015, however Equifax and XXXX  both say that I have 100 % on time payments with all of my four bank payments each month. XXXX says that late Payments usually disappear from credit reports in three to four years. Since this is the only thing negative in my complete report ... What's up? I've complained once before about Equifax, and you took care of it - is this retribution for that? Any help that you could provide would be greatly appreciated. Thank you so much for your time in this matter.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-06-07
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)

I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to XXXX XXXX XXXX XXXX and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.
Consumer complaint received 2020-11-05
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2019-03-15
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: Professional Medical Management, Inc. (PA)

I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

US DEPT OF EDUCATION ; Amount : {$9800.00} Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX. 
DEPT OF ED/XX/XX/XXXX ; Amount : {$5500.00} Date opened : XX/XX/XXXX
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

My payment was late but I had scheduled a double payment for the next month as soon as I realized I had forgotten. Comenity Bank harassed me by phone with at least 10-15 calls a day all from different numbers and they dont let a message. My payment was scheduled but they continued to harass me, even in the evening and on Sundays.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My correct date of birth is not reporting on my credit reports XXXX Multiple addresses are reporting on credit report, that is not my correct date of birth XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX 2 PLEASE XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX  # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Consumer complaint received 2022-04-29
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: Resurgent Capital Services L.P. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 usc 1681 section 602 state 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 instruction.

15 usc 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late & having no knowledge of that company or creditor by the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, consumer credit plan as late for and purpose.
Consumer complaint received 2024-02-05
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. (MI)

I am writing to inform that i was never provided a copy of the privacy notice that XXXX, Experian and XXXX are required to provide to me under XXXX XXXX XXXX before they disclose any nonpublic personal information about me to any nonaffiliated third party. 

I am also writing to exercise my right to opt out of any such disclosure under XXXX CFR XXXX ( a ). I do not want the credit agecies to share any nonpublic personal information about me with any nonaffiliated third party, unless it is permitted by the exceptions in XXXX, XXXX, and XXXX. 

Furthermore, according to the Privacy Act of 1974 ( XXXX XXXX XXXX XXXX ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX  XXXX sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX  XXXX to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX  credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Consumer complaint received 2023-01-19
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-02-10
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. (IL)

I filed for bankruptcy in XX/XX/XXXX, almost every account ( except one ) on my credit report put account status closed, XXXX balance, included in bankruptcy. The collection company was included in the bankruptcy and shows account included in bankruptcy, but shows on my report as account OPEN and the Balance of XXXX ... the collection company has been called in XX/XX/XXXX and XX/XX/XXXX. I also contacted Transunion in XX/XX/XXXX and XX/XX/XXXX of this year through calls placed through the XXXX number and disputed through XXXX XXXX and Transunion but nothing has been done to change the status to Account closed and Account type Collection and Date closed : to a XX/XX/XXXX date which should be XX/XX/XXXX or XX/XX/XXXX. All my disputes were denied and here I must mention I also disputed in XX/XX/XXXX ... As I have done what I could. I pray you can help. 


Thank you,
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I made a purchase on XXXX which they cancelled. They refuse to help as does XXXX. Both told me to contact my bank. My bank is 5/3 and they are unreachable via the phone and no one either locally or on their chat will help me. I have been on hold 4 1/2 hours today.
Consumer complaint received 2021-02-01
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. (CA)

I disputed two inquiries on my Experian credit report. I sent the dispute by certified mail. Please see attached copies of date dispute was sent. I also sent certified letter directly to XXXX XXXX and they did not respond. Please see attached copy of the date that dispute was sent. Experian did not respond to my dispute within the 30 days timeframe per the FCRA guidelines. Experian must delete both inquiries
Consumer complaint received 2018-02-09
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: WELLS FARGO & COMPANY (FL)

I noticed on my XXXX  report an inquiry that I did not authorize from XXXX XXXX, XXXX XXXX Dated XX/XX/2017.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple addresses are reporting on my credit report, that is not my correct mailing address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL
Consumer complaint received 2019-08-25
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. (GA)

My wife and I are both XXXX vets. Our mortgage was sold to XXXX  XXXX from another company. XXXX  XXXX never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX and has come out the first of every month. We have confirmed this with bank statements. XXXX XXXX  has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2019-08-25
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. (GA)

My wife and I are both XXXX vets. Our mortgage was sold to XXXX  XXXX from another company. XXXX XXXX never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX  and has come out the first of every month. We have confirmed this with bank statements. XXXX  XXXX has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-07-21
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. (FL)

I am sending a complaint today to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian to follow up and investigate those inquiries in question and delete them. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor. 
The following inquiries need to be removed immediately : XXXX XXXX Date of inquiry XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 ; XXXX  XXXX  XXXX  Date of inquiry XX/XX/2022 ;
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I'm disputing fraudulent accounts on my credit report due to identity theft. The creditors, XXXX XXXX Bank and XXXX XXXX XXXX, agreed to remove them because of their fraudulent nature. Please take immediate action to remove these accounts, as failure to do so puts me at risk, and I'll take legal action if necessary.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm considering legal action against your company for not complying with my requests to remove inaccurate information from my credit report, which violates the Fair Credit Reporting Act. XXXX XXXX, the creditor, has agreed to rectify the account by removing late dates and updating it as agreed, never late. This is my final request before pursuing legal measures for non-compliance.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX