davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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: OneMain Finance Corporation (AL)

ON XX/XX/2023 I WAS NOTIFIED BY XXXX XXXX XXXX  THAT ONEMAIN FINANCIAL HAD MADE A HARD INQUIRY TO CREDEIT BUREAUS ABOUT MY CREDIT HISTORY. THIS INQUIRY IS FRAUDULENT. ONEMAIN FINANCIAL MADE THIS INQUIRY WITH NO PRIOR VERIFICATION OF MY IDENTITY. HOW IS IT LEGAL TO MAKE HARD CREDIT INQUIRIES IN THE ABSENCE OF A GOVERNMENT ISSUED ID? 

I CONTACTED ONEMAIN FINANCIAL ABOUT THE FRAUDULENT INQUIRY. THEY ASKED ME TO COMPLETE AN AFIDAVIT, SEND THEM A COPY OF MY DRIVERS LICENSE AND A BILL WITH MY ADDRESS ON IT SO THEY COULD CONFIRM MY IDENTITY. I COMPLIED WITH THAT REQUEST. THE INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT PER MY REQUEST. HOWEVER, ONEMAIN FINANCIAL DID STOP THE LOAN FROM BEING FUNDED.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (SC)

XX/XX/13 I called XXXX in regards to a reduction of my credit limit from {$1000.00} to {$500.00} after I made a payment of {$700.00}. The company stated that they reduced my limit based on false information provided from creditors. 

XX/XX/13 A payment was made of {$700.00} to lower credit utilization. Immediately after that the credit limit was reduced to {$500.00}. This is impacting me significantly and I need this resolved immediately.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that consumer reporting agency can not furnish an 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 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I requested mortgage relief starting on XX/XX/XXXX through loan solutions website per the directions of PHH online service for help. After not receiving a call for several weeks on status I reached out. They told me that they needed additional information in which I uploaded additional info on XXXX. Called back on XX/XX/XXXX and they said they needed additional documentation as they couldn't see anything that had been uploaded to the XXXX XXXX website even though I could clearly see my documents. They said I needed to email them so I did. 
XXXX they wanted more documents and I emailed them. 
XXXX more documents emailed. 
XX/XX/XXXX more documents emailed XXXX more documents emailed to them XX/XX/XXXX supposed to have yet another call with Relationship manager at XXXX and no call came in so I reached out and they said that they still needed another documents It is important for me to note that EACH and EVERY time I asked if this was ALL the documents they would need because I was sending the same items in over and over. I also asked if this was being reviewed by the Underwriter and if that is what he/she was requesting. I can honestly tell you that each time I talk to them they give me a different answer of what the status was is or what items are needed. I am in the XXXX XXXX and am very aware of the process and procedures and it is an absolute shame that this company is in existence. I can't even imagine what someone with no industry experience would be going through right now. I have depleted all of my savings and am pulling money from my XXXX account, etc. to make sure my mortgage stays current. What I have described above is just the beginning of my experience with PHH in trying to receive some help from being impacted by Covid. The calls above are only a few of the calls I have made. I have begun to ask if the calls are being recorded for future reference ( I tell them I want to make sure this is being documented ) and they tell me that they are. I am asking not only for my help but to help others who are in need and going through this process with a company that clearly should not be in business.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX and American Express hae fraudulently reported my death causing tremendous strain to my life.This has caused great emotional distress and Financial damages. XXXX has neglected its lawful, legal duties while violating several of my rights. 

I have asked for copies of my report for a full year now and they have only sent letters saying they are in receipt of my request. It has now been a full year of this every month refusing their lawful duty. The letter will be in the attachments. This consistent action neglects their lawful, legal obligation under 15 U.S.C. 1681y section 623 and my rights under 15 U.S.C 1681g I have disputed this fraudulent claim for a full year and it continues to show in my report. With me reaching out and making it known that I am alive ; they have continued in their negligence of federal law 15 U.S.C 1681e. They have not only failed their lawful duty to accuracy but also violated my right under 15 U.S.C 1681b ( a ) 2. Not only have I not consented to this reporting, I have made it known that this is against federal law and XXXX continues to willfully violate my rights and neglect its legal duties. 

These violations caused me 1 year of interest rate hikes on my home. not to be eligible for my mortgage trouble getting a vehicle. Loss of jobs. And inability to continue life for a full year. This has totaled {$360000.00} in damages pain and angiush to me and my family.
Consumer complaint received 2022-04-27
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. (IL)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account # XXXX. I have never been late to this company providing a payment, yet they have late payments marked on my credit report. This is in reference to 15 U.S.C 1666 ( b ). This information is not accurate In accordance with the Fair Credit reporting act the following has violated my rights XXXX XXXX -Account # XXXX, XXXX XXXXAccount # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX  -Account XXXX, XXXX XXXX account # XXXX, XXXX XXXX  - Account # XXXX XXXX 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 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 following items of information any other adverse item of information, other then 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. 

My rights as a consumer has been violated.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

The secured property is a condominium under management by an Association. Flood insurance is maintained on the common property by the Association 's insurance provider.. A copy of the master policy is not automatically sent to our lender, so every year the lender, U.S. Bank , requests a copy of it. Over the course of the years we have owned the property, we have mailed it to the address provided for this purpose, we have uploaded it to the website they direct and/or both. They allow 45 days for us to provide the information to avoid forced placed insurance. This year in particular, we requested the information from the insurance agent who indicated they could not provide it directly to me and instead needed to send it to U.S. Bank. Wonderful. It was sent on XXXX/XXXX/22, and per phone call today with US Bank, it has not yet been logged to our account. The represented then called the insurance agent and US Bank then gave her the ihaveinsurance website, a fax number and a mailing address to send it to - all BLACK HOLES. If this insurance certificate does not reach the appropriate person who knows how to read it ( yes, that is another issue ), then they put forced placed insurance on our account that I then have to fight to have reversed. OMG!!! How can it take more than 4 weeks for them to process this information. Plus the customer service reps I have talked to all feign ignorance as to the process and act as though there is nothing they can do about it. So my fate lies in the hands of some data entry person for which have apparently been understaffed FOR YEARS!! 
Based on past DOJ lawsuits of similar nature, it seems to me it is a deliberate and intentional way to fleece unsuspecting consumers out of a bunch of money. This happens EVERY SINGLE YEAR!! I have called them about this several times and yet the situation never improves! They know full well the importance of this to their customers, yet they treat it without any amount of caring or concern and total lack of urgency. Please make it stop. Thank you.
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the XXXX XXXX XXXX XXXX! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX ATTN : XXXX, EQUIFAX, XXXX Accounts : Account name : XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX  Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to 15 USC is 1681c-2 ( a ) you have 4 days from the date of this notice ( XX/XX/XXXX ) to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is 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 2020-06-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Contacted CapitalOne on XX/XX/20 to advise of fraudulent activity from an XXXX XXXX XXXX  in XXXX, XXXX in the amount of {$350.00}. I did not authorized a charge from this company. I did not order goods or services from this company. I haven't even traveled outside the U.S. in over 15 years. I have not had a valid passport for at least 10 years. It is not possible for me to have purchased from this company. Many sources online advise this is a scam company. CapitalOne confirmed on recorded call occurring XX/XX/20 that the company 's website DOES NOT EXIST but that CapitalOne will be holding me accountable for fraudulent charges.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (OK)

I lost my cash app debit card XX/XX/XXXX. So, I placed an order for a new debit card the XXXX of XXXX, it cost {$54.00} because it was suppose to be made out of metal. Anyways, I never have received the new debit card and I can't get them to issue a new one or refund my money. I have screenshots from the conversations that I have had with cash app about this problem. They have now disabled my account and are telling me I can not get a card now. I have asked why but no reply. I will be more than happy to send you the screenshots, thanks!
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, LLC. 
This credit reporting agency has at least 6 inquiries on my credit report which are past two years : XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX. 

They are showing public records which were DISMISSED. In the Court of law, this means the Judge did not adjudicate nor was it accepted by the US Bankruptcy Courts. 
XXXX XXXX and XXXX. 

They show XXXX XXXX XXXX XXXX  with no amount owed and no late payments. No dates. 
Transunion shows XXXX XXXX XXXX this has been disputed with the company and validation has been requested. However, XXXX is not reporting it after I disputed it with them last year. XXXX is not reporting it. 

XXXX XXXX XXXX. XXXX this is not may account. It was disputed with your company as XXXX XXXX. Transunion removed it and then placed the same account back on Tranunions under XXXX with a collections agency. ( A Validation should be given ) I would like for Transunion to handle this matter within the CFPB platform. They have not Validated all of these accounts. The companies in the validation should show my corrected Name, DOB, SSN, and Home Address, and show proof I signed electronically for the accounts. I am requesting Validation. I am not requesting bills this does not show proof the accounts are mine. 

I have declined a Housing loan because of the reporting with Transunion. I do give Consumer Financial Protection Bureau access to information on this platform for dispute. 

This report contains some of the same requests and concerns since the last year XXXX. When it comes to Bankruptcy 7 Years with a discharge depending on the Chapters. I have not had any court hearings. I have not seen a Judge. This information is to be removed.