davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (FL)

Last warning. XXXX XXXX XXXX XXXX - XXXX liability for willful noncompliance To Whom it may concern.. 

Law XXXX XXXX XXXX XXXX ( XXXX ) - XXXX in case of XXXX  accuracy. 

Acima states that it is making a new update request to correct inaccurate information previously requested by me on XX/XX/XXXX. I have official, visual evidence showing that I have made previous XXXX  on XX/XX/XXXX, requesting that the XXXX information be XXXX and updated, ( I provide evidence ), to which Acima updated and responded that the XXXX information was accurate and correct, Acima stated that this account did not contain any errors or inaccurate information. which is totally false and XXXX 
I also filed another XXXX with proof included on XX/XX/XXXX, which again updated unverified and erroneous information, once again violating consumer rights laws FCRA. 

Company : Acima Digital XXXX Account number : XXXX Under XXXX XXXX Code XXXX ( XXXX ) I demand the immediate deletion of the account mentioned in this XXXX, I have questioned Acima several times about the accuracy of these accounts and Acima has XXXX saying that they have corrected them and that there is no inaccuracy in their reports to XXXX, XXXX XXXX XXXX XXXX ( XXXX ) states that after reinvestigating a disputed account by the consumer ( XXXX ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be deleted immediately. 

This is also in violation of XXXX XXXX Code XXXX - Congressional Findings and Statement of Purpose XXXX XXXX Code XXXX - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I will not tolerate any further failure or non-compliance by Acima with the Fair Credit Act and this is my last warning to Acima to DELETE the account with XXXX. I am willing to file a lawsuit for non-compliance by Acima with the laws mentioned in this XXXX 

I demand that my written evidence in this XXXX  be reviewed and that Acima delete the account at XXXX and enforce XXXX XXXX Code XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (GA)

My Wife and I divorced as of XX/XX/XXXX. At that time she was responsible for paying the mortgage as is stated in the Divorce Decree and the Real Estate Side Sale Agreement. She changed the contact information on the mortgage account to her home address ( her sisters ' house ) and her email address, her phone number. 

After XX/XX/XXXX my x-wife was late on three payments, XXXX, XXXX, and XX/XX/XXXX, on the mortgage and the mortgage company failed to notify me by any means because my x-wife, per the divorce decree, was responsible for the payment and had changed the contact information for the account. 

When we sold the house on XX/XX/XXXX and paid off the balance of the home the mortgage company placed the three late payment records on my credit report. Again this was after the home was sold. 

I provided the mortgage company with the divorce decree and real estate side sale agreement documentation and they are refusing to remove the late payments from my credit report. 

Now because of the three late payments on my credit report, I am unable to be be approved for a home loan. I had been approved until those three late payments were added to my credit report.
Consumer complaint received 2023-04-19
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 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.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX/Equifax or XXXX consumer reports.

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

CC : Equifax and XXXX
Consumer complaint received 2024-08-08
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: FORD MOTOR CREDIT CO. (FL)

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern.. 

It is of utmost importance for the creditor to comply with each parameter established by the XXXXair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates. 

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

Barclay 's credit card, reduced my credit limit from XXXX dollars to XXXX dollars. I'm not sure why. If an inquiry was done after the initial credit limit of XXXX, was given, it was NOT with my CONSENT.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IA)

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : DISCOVER BANK XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Consumer complaint received 2024-08-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My government benefits where compromised and stolen I have been locked out of the XXXX website due to a password change and my account balance was XXXX when I was able to get into it. I am a victim of identity theft and despite me reporting that and documentation to Bank of America the denied my claims due to funds being withdrawn after deposits. It is statistically known that individuals committing fraud would typically withdraw funds immediately after they become available. Therefore, the fact that funds were withdrawn shortly after a deposit should not be a reason to deny my claim. I have not authorized these transactions, and I firmly believe that the funds were fraudulently taken.
Consumer complaint received 2024-07-31
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. (CA)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 each account listed without my expressed written consent. ''
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NV)

Under 15 USC 1681b, I dispute the furnishing of my information. I never provided written consent for the collection, use, or sharing of my personal data. Please remove any unauthorized inquiries immediately.

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted!!!

15 usc 6802 states I should be receiving options to opt in and out or putting something on my credit which I did not receive from this creditor 15 usc 1681b states you need written confirm from me to place anything on my report which this creditor did not receive from me at all
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (TN)

I had a checking account, where my husband XXXX XXXX XXXX ) was depositing part of his paycheck directly for me. I was told by AXOS that I need to add my husband to that account. I submitted a pdf form that was provided for me, however, AXOS didn't accept it, saying that they don't take electronic signatures and the form needs to be signed by pen. Later I signed the form with pen, we also stopped depositing funds to that account. However, AXOS blocked remaining {$350.00} in my account. 
To unblock they say that they need to add my husband, but they can not do that because there is " third party freeze '' on XXXX However, I reached out to XXXX and they confirmed that there is no freeze on my husbands XXXX
Consumer complaint received 2024-08-14
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: HEARTLAND PAYMENT SYSTEMS INC (NY)

The credit bureau notified me of a 30 day late payment to my student loan. However, I was unaware of this discrepancy, and assumed my XXXX loan servicer was notified of my in-school status as of XX/XX/2024. I submitted documents, on XX/XX/2024 after being notified that they were NOT aware I was in school part-time. I submitted the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, and it was approved. I am in school half time as of XX/XX/2024. I completed the paper work. I was NEVER notified via electronic delivery of a past due balance. I would like this to be reviewed please.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681i 5 account name XXXX XXXX XXXX XXXX  Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Incorrect information being reported on my credit report has been a big obstacle in achieving financial freedom. I kept getting denied when applying for new credit because of these errors, it is extremely frustrating, it's negatively impacting my life.
Consumer complaint received 2024-07-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

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 The following accounts have violated my rights.

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

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. 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 ). States 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 2024-07-22
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. (IL)

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. 

Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX and Account Name : XXXX, XXXX, Account # XXXX Has violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2024-07-22
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. According to the fair credit reporting act, 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 to according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, 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.

According to 15 USC 1681s-2 they are suppose to 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 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Onity Group Inc. (FL)

I have tried number of time to get help with mortgage payment, such as refinance, loan modification they keep denial. I have complained told them I'm a widow, my husband pass, my income decrease. Got XXXX XXXX XXXX XXXXXXXX unable to work. Now im getting alots of medical bills. I don't know what it take to get help. I'm really unable to keep making these high payment. I need help Please. I only get SS once a month. Now all of bills getting behind because I'm trying to keep a roof over my head. I would appreciate any help or assistance I can get. I'm a XXXX XXXX trying to make it on a fix income. Thanks you for any help I can get.