davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (TX)

I have been paying One Main Financial roughly {$220.00} every XXXX weeks since XXXX for a refinanced loan using my car as collateral. They offered me the opportunity to borrow money and they just simply reworked the conditions of the loan with all of these add-on insurance products. Im still XXXX in business with OMF on a loan that should be nearly paid for. The original loan was for XXXX with all the additional insurance charges. After the high finance charge the loan was determined to be {$21000.00} that I would be paying back. In XXXX of XXXX I contacted OMF in regards to removing these additional products that they informed me I needed to have. I feel its really unfair that Im still paying for a loan that it appears I already paid for. They never explained that when they offer additional funds it starts the loan over with those products which ultimately just extends the loan and charges. I would like to be refunded for being fooled into being told these additional products where needed. This is unfortunate and a form of financial trapping. Thank you!
Consumer complaint received 2024-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (FL)

Applied for a HE Loan. Representative was amazing and this is not about her. Provided all information required ( e-submission ). A few hours later I get a call that the loan can not be provided because Mr. Cooper 's system didn't show this was a townhome and is ineligible. They are my mortgage servicer/provider. 

How can they not know? 

This resulted in my paying for an appraisal ( they have said it is being refunded and I believe that for now ). 

But a hard pull was made on my credit and this will lower my score for a period of time, thereby impacting my ability to seek an alternate product until that score returns. Since this was a debt consolidation loan, this has effectively cost me the interest savings between what I am paying that the rate I would pay.
Consumer complaint received 2024-09-05
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: Experian Information Solutions Inc. (NC)

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX acc number : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX. XXXX  account # XXXX, XXXX  and XXXX. IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

I am disputing a charge-off/collection that was reported by MIDLAND FUNDING LLC, XXXX and XXXX and late payments on Consumer portfolio Services on my credit report. I believe this reporting is inaccurate for the following reasons : XXXX XXXX XXXX XXXXXXXX XXXX : XXXX MIDLAND FUNDING XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am trying to buy a house for my XXXX kids because I cant afford to pay too much rent i have trying to contact to credit and I didnt receive any contact s i have signed with them please remove them from my credit report thanks
Consumer complaint received 2024-01-10
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)

I submitted a dispute through the mail to the credit bureau back on XX/XX/ and it seems as if nothing was done. I am a victim of identity theft. I sent the required documents they asked for which were a copy of my driver 's license, FTC report, and social. There is still information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have already reached out to the XXXX XXXX regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IA)

I was charged a late fee of {$40.00} by American Express. In XXXX of this year CFPB passed a rule that all late fees are capped at {$8.00} and American Express is not abiding to this rule. I spoke to a customer service individual and they were not willing to follow this rule that was set.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (CA)

I got a loan for a vehicle XXXX in XX/XX/2022, my first payment was due in XX/XX/2022, I paid it a month early and after this, they proceeded to mark me as late payment, my interest rate as spiked over the agreed interest rate and also dropped and raised again without being in agreement to any such interest rate spikes or regressions. Since the purchase of the car, I have made a total of 15 payments, totaling in at XXXX. The total amount I presently owe towards the car is XXXX, which means out of 15 payments of XXXX only XXXX has actually gone towards my principal. The remaining XXXX has gone towards interest. Not only has this lender been actively engaging in predatory lending they have also proceeded to incessantly call me two times a day if not three, as I had a change in work last year and I fell 1 payment behind, but had caught up 2 months later. I called the lender upon changing jobs and informed them that I wouldn't be able o make the payment that month and that I would plan on making it the following month, which I did. They have since then incessantly harassed me, locked me out of my account several times so that I would call them, Refuse to email me the terms of the loan agreement, its also not available anywhere on my login account on the website. They have also been reporting the history to my credit inaccurately resulting in my credit dropping around 150-100 points and the loan indicating I still owe XXXX on my credit, making It appear as if Ive made no payments resulting in a low XXXX  score and credit score.I feel like these practices are absolutely illegal and I am seeking guidance in proceeding forward with these issues, thank you
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/year> at around XXXX I lost my phone in XXXX at a bar. Once I realize and looked around for it I claimed it gone or stolen and immediately went home to my laptop to try to find it while also calling it which it was being shut on and off for this service not to be possible. I then began the process to erase all of my info on the phone through XXXX. That same morning hours later I went to get a new XXXX at XXXX XXXX XXXX and begin the process of recovering all of my data. Once I was able to get this done, I went to check my email on my laptop to show that there was an email from Wells Fargo stating a denied wire transfer for XXXX on my account and that I needed to come into a bank. I tried to log into my online banking but was denied of this too and told to go into branch. I went in shortly after only to find out that there were many fraudulent transactions that occurred following my phone being lost/ stolen whoever during the early morning hours using my WF debit card on XXXX XXXX and then transferred to an unknown account. The amount totaled {$990000.00} with a {$30.00} transfer fee. WF told me make a claim over this which I did and also I made one with XXXX XXXX or XXXXXXXX XXXX XXXX I also got a police report stating exactly what happened in hopes this would be helpful in my claim. Both WF and XXXX XXXX XXXX have denied my claim or claims at that multiple times saying the same broke record that I authorized the transactions, that I benefited from this, etc. Clearly this is not true. I had XXXXXXXX XXXX and a passcode on my phone. I have no idea how they got in but they did and I have called XXXX so many times with escalations to every department and executive levels only to be told I will get a call back from them regarding it. This hasn't happened once and its been over a month now. I have so many cases numbers that are newly assigned only to go nowhere. I need my XXXX back because I didn't do this nor was any of the transactions flagged by WF at any time which is ridiculous. I have never used XXXX XXXX. Please help me
Consumer complaint received 2023-03-15
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I am in need of your help to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX A XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NJ)

Today 's phishing spam from XXXX : now they are claiming that I need to DO STUFF b/c " Experian reported that a data breach exposed XXXX XXXX private record '' <- that's exact, as they sent it. They recommend I lock my account ( I did that to all three bureass last week, because of all this garbage from XXXX and loanstripe.com ). QUESTION : If Experian really had an issue with a breach of my data, WHY ISN'T THIS EMAIL FROM EXPERIAN?
Consumer complaint received 2024-09-02
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-03-15
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KY)

I signed up for a U.S. bank checking account and was told that I need to make direct deposits totaling {$10000.00} in order to receive {$500.00} as a new account opening bonus. I made an initial direct deposit of {$200.00} and then a second direct deposit of {$9800.00}. The amounts were greater than {$10000.00} USD. U.S. bank employees repeatedly provided me false and untrue information and lied to me about the terms of the new account bonus. First, they told me the wrong deadlines. Then, they told me not to worry if my second deposit arrived a bit late and that an exception will be made. So I initiated the second deposit after clarifying the misinformation and the second deposit arrived 4 days late. Originally I was told that I had met the direct deposit bonus and would receive the bonus. Then, on future calls I was told due to compliance reasons that I would not be receiving my bonus. This is an incredible scam and I met the terms of the bonus and I followed the instructions of U.S. bank employees. I deserve my {$500.00} bonus. All communication with U.S. bank is recorded so if these terrible people would just listen to the recordings maybe they would have the integrity to honor their legal agreement with me to provide my account bonus.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Over the course of the last 4 years, I have looked and my credit report and noticed several inaccuracies on this particular account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify for as accurate. 

XXXX XXXX ( XXXX ) thank you in advance. 
XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.