vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sunset Management, Inc
State: GA

Complaint narrative:
XXXX is reporting a creditor named Sunset Finance with an account number of xxx # # on my XXXX credit report. I have disputed this account several times with XXXX over an incorrect balance amount of {$360.00}, which I paid off on XX/XX/year>, and now it is XXXX. However, XXXX has repeatedly shown bias towards a certain race group by filing several misconstrued dispute statements to Sunset Finance, stating that I am disputing the ownership of this account when I'm disputing the incorrect balance showing on my credit report. I have enclosed a copy of the receipt I received from Sunset Finance on XX/XX/year>, for this account, which shows a XXXX balance. Despite mailing XXXX a copy of the receipt, they continue to report an incorrect balance of {$360.00}. I have disputed this account with XXXX XXXX times, and they have refused to change the incorrect balance reporting on my credit report to zero.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
Always confirmed or verified never with the payment history and balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: PA

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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
I previously entered into a XXXX XXXX XXXX XXXX XXXX XXXX XXXX which included a lifetime guarantee, in XXXX XXXX XXXX. The company did not fulfill its obligations to me, as my XXXX did not fit and never straightened my XXXX They were responsible for sending another set to ensure the product accomplished the task as promised. However, the company went bankrupt and I can no longer contact them about anything related to the XXXX. The company charged me over {$2000.00}. I was paying in installments through Healthcare Finance Direct, which I believe is affiliated with XXXX XXXX XXXX. I stopped payments last month, as the company I contracted with is no longer providing or servicing the product I purchased and is bankrupt. Healthcare Finance Direct is now threatening to send me to creditors, and will only tell me that the lifetime guarantee I received is no longer valid because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with XXXX XXXX. The following reported information and inquiries viewed by others currently listed and showing on my XXXX XXXX  Consumer Report ID : XXXX is fraudulent accounts, information and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/year>, {$860.00}, XXXX XXXX XXXX XXXX, XX/XX/year>, {$1000.00}, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employees XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Workers XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Educators XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Employees, XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2024-03-09 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: FL

Complaint narrative:
I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible SEE ATTACHED. 


COLLECTION - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.

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 2024-03-09 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: PA

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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: UT

Complaint narrative:
I applied for and accepted a {$7000.00} loan from Upstart in XXXX of XXXX. The loan was to be paid off in XXXX  years, for roughly {$140.00} per month. For almost XXXX years, Ive made on time payments with no issues. My loan due date is the XXXX of every month, for reference. 

In XXXX of XXXX, I was a few days late paying my loan, but paid it within the grace period and with no late fee, thank goodness. 

In XXXX of XXXX, I again was late paying my loan. I believe Upstart credits you a late fee after XXXX  days. XX/XX/XXXX, a late fee was added to my account. 

On XX/XX/XXXX, I paid my XXXX payment, but not the late fee. I paid the late fee on XX/XX/XXXX, still within XXXX  days of it being posted to my account. 

Now in XXXX, I log in and see my credit has taken a huge hit. I called Upstart immediately to figure this out, as I had made every payment within XXXX days of it being posted, to avoid anything being reported to credit bureaus and to remain in good standing. 

I had to call back multiple times, as nobody I spoke with could give me the information I was requesting. I asked what was reported as late, and XXXX person told me the XXXX payment, another told me it could have been the XXXX payment. Their customer service was deceptive and evasive, not giving a straight answer. 

After XXXX calls, I was able to connect with a representative that gave me an answer. She said that the late fee for XXXX needed to be paid within the XXXX cycle, as in before my XX/XX/XXXX payment came due. 

This late payment was reported as late to credit bureaus, causing immense damage to my XXXX XXXX. There is no way that a {$15.00} late fee counts as a late payment, and was paid within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Madison Management Services, LLC
State: PA

Complaint narrative:
I purchased my home in XXXX. I was approved for 2 mortgages. My first mortgage is currently in good standing. This is about the 2nd mortgage. During the Housing Market Crash of XXXX, I approached my attorney and applied for the Home Affordable Modification Program ( HAMP ). I was approved for the program. I was able to, consolidate/refinance my 2 mortgage loans into 1 mortgage loan. XXXX XXXX was XXXXne of the mortgage companies involved at the time. I was notified my monthly mortgage payment would be {$1400.00}. For several years, I paid $ XXXX to my mortgage company ( under the impression both loans were consolidated into one loan ). No one contacted me to let me know the 2nd mortgage was never settled. In XXXX, I suddenly got a notice from Madison Management Services. They threatened to sue me and foreclose on my house if I did not pay the " XXXX mortgage '' amount of {$220000.00}. They were very aggressive with how they pursued me. They said, " If you can not pay {$220000.00}, we are willing to settle everything with you for {$25000.00} and then we will go away. '' I am going through a very hard time financially right now as a self-employed carpenter. I make enough money to pay my current mortgage and utility bills. I do not have the funds to fight them. I accepted what they threw at me after their threats and harassment. They want me to pay $ XXXX on {$95000.00}. The terms include if a payment is made after the XXXX of every month they have a right to charge me a {$25.00} late fee. I inquired about whether or not the principal would go down if I made biweekly payments- they said " no. '' I have done my best to make my payments promptly but now I am going through a financial hardship, Madison Management Services is unwilling to work with me and instead of contacting me to lower my payments or settle the debt to an amount I can afford, they have contacted a local attorney who has sent me several letters ( including certified letters ) and my information has been distributed to random strangers who continuously call me and ask me if my house is for sale. They have threatened to foreclose on my house due to an outstanding amount of {$1100.00} ( with late fees ). The actual amount without late fees is {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent accounts 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 an account without my written consent. Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
Mohela continues to delay processing of my PSLF.I continue to receive forebearance notices that are post dated XXXX months in the future an last a year. ( XXXX ) .On XXXX/XXXX/2044, I requested that they take my account out of forebearance and set my account up for automatic withdrawal. They have sent correspondence approving the withdrawal and withdrew XXXX payment. 
In phone communication they stated the forebearance is needed to process loan sequences XXXX and XXXX that was submitted on XX/XX/year> to XXXX  XXXX for discharge.However, the forebearance is not alligned with the time period noted on the website.The response is then, " We are experiencing delay '' .My application was submitted in XXXXAgain my application was submitted in XXXXHow much delay am I expected to withstand? 
Additionally, while the delay is due to Mohela.Why must I pay interest that is due to Mohela significant delay in processing. 
I give Mohela permission to discuss all account matters openly with CFPB. A request for signature can be posted to my online portal if this permission is not acceptable. I can also be contacted by the email granted to you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: MN

Complaint narrative:
I purchased a XXXX vacuum on XX/XX/XXXX from XXXX of XXXX and used XXXX XXXX XXXX to obtain the financing. XXXX sold me a faulty vacuum which stopped working after only XXXX days. I contacted XXXX about the issue and after many attempts of trying to get XXXX to fix the problem, to no avail, I finally returned the vacuum to XXXX. 
I first emailed XXXX, about the problem I was having with the vacuum, on XX/XX/XXXX and their response was " it is to late to return it '' because it was outside their XXXX  day cancellation period ; they didn't even offer to fix the vacuum at this point. 
I continued to pay my monthly obligation until the vacuum was no longer usable. I contacted XXXX again and told them I was not going to continue paying for a vacuum I could not use and they told me I could drop it off and see if it could be repaired. The drop off location and time was either an hour XXXX of my home anytime or XXXX miles from my home once a month. I offered to drive the hour away so I could have the vacuum repaired sooner but after receiving only a text ( no phone call ) from some random Rainbow seller I canceled the meeting. I did not feel comfortable meeting with this person because I was told I had to meet them at a " meeting spot '' instead of an actual place of business. 
I contacted XXXX on XX/XX/XXXX after hearing no resolution from them and made an appointment to drop the vacuum off, but not until XX/XX/XXXX at XXXX because this was the soonest day and time someone would be in my area. 
The representative told me they would look at it and see if it could be repaired and that I would be contacted. I asked about a replacement for the time being, which I was suppose to get according the seller, and was told they had no vacuums to lend out. 
I never received the vacuum back from XXXX and have not had the vacuum since XX/XX/XXXX but continue to have an outstanding balance on my credit report from XXXX XXXX which is now a charge off despite disputing the account many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Wakefield & Associates To whom it may concern : I'm unaware of this debt, I didn't have an opportunity to dispute this information, If in fact you believe you gave me proper notification, then please send the certified mail with a receipt with my name and signature on it, in the state I live in, stating that I received it. 

Please give me the method of validation, regarding the right to collect on this debt, meaning who you talked to, their email address, and their phone number, within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called American Express and asked for the XXXX address or XXXX location of device used to creat or apply for this credit Card. 

The address, phone numbers used to create the credit card are different than mine. 

Amex denied the fraud claims stating that I benefited from the card. I have given documents showing that my address is different from where they sent the credit card. 

Please describe how I benefited if you never sent me a XXXX card. 

I will provide the proof of address Amex was sending the XXXX card to and my address.

Company response to consumer: Closed with explanation