davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF OMAHA (VA)

What happened here is that First National Bank of Omaha wronged me as a customer by violating the terms and conditions of my personal loans agreement. Back in XX/XX/XXXX Ive signed a XXXX personal loan agreement with First National Bank of Omaha XXXX FNBO ) for {$3500.00}. Ive signed up for automatic ACH payments on my account, which made automatic payments to principal and interest at a cost of {$91.00} per month. The first such payment occurred on XXXX XXXX, XXXX. The final payment should have occurred on XXXX XXXX, XXXX, under the terms and conditions of the loan agreement. But FNBO breached the contract by extending the loan term without my consent beyond 48 months. Theyve sent me a XXXX billing statement saying I owe XXXX cents on the loan. An automatic payment of XXXX cents is scheduled to occur on XXXX XXXX, XXXX, and FNBO is still reporting my loan account as active to the national credit reporting agencies. My problem here is that I should have never been sent a XXXX billing statement demanding more payments, and FNBO shouldnt be attempting to collect a XXXX payment from me as it violates the terms of the XXXX loan contract. FNBO deceived me and gave me the false impression that they would report my loan account as paid in full once Ive made XXXX on-time monthly payments. But my personal credit monitoring service records show my FNBO account remains active with XXXX years and XXXX month as an FNBO personal loans customer. My status as an FNBO customer should have ended in XX/XX/XXXX with the XXXX payment that contractually was supposed to be the final payment. Ive contacted XXXX on XXXX XXXX, XXXX, voicing my complaint and requesting they rescind the XXXX billing statement and waive the XXXX fee. The individual named XXXX said he could only convey my complaint to his XXXX. So XXXX making this CFPB complaint to report FNBOs unfair and deceptive trade practice. The fact that XXXX is charging me XXXX cents toward principal in a XXXX payment suggests theyve unjustly enriched themselves. Their calculations for the loan amortization harmed me as a customer for their own gain. They shouldnt be allowed to get away with this blatant breach of contract, and the damages theyve inflicted upon me is greater than XXXX cents. XXXX demanding justice and accountability. Thank you for taking my complaint.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My Identity was used to rent an apartment in TX. I have owned my home in XXXXXXXX XXXX for 10 years. As a result XX/XX/2023 a collection reported on my credit report from XXXX XXXX XXXX for {$2900.00} from an apartment I found to be in TX called ; XXXX XXXX at XXXX XXXXXXXX XXXX. I have never lived here, this is fraud and I tried to contact the apartment complex for " validation of debt '' they were no help and advised me to contact the credit bureaus. I sent certified mail letters to the credit bureaus XX/XX/2023 disputing the fraudulently opened account and they did nothing about it. I have had no other collection accounts on my credit file in my XXXXXXXX XXXX XXXX XXXX. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC.
Consumer complaint received 2023-12-08
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. (AZ)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX
Consumer complaint received 2023-12-08
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. (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

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.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BMO Bank, N.A. (MN)

In XX/XX/2019, BMO Harris bank filed a W-2 with the IRS indicating that it had paid me {$300.00} in interest. It never paid me any interest. It did give me a gift of {$300.00} for opening checking account to 6 months and arranging to have direct deposit of my social security benefit. I closed the account after complying with the terms of the offer. I want the bank to rescind its W-2 immediately. The {$300.00} was a gift and gifts are non-taxable.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the past 90 days I have sent the company a billing error request and payment to be credited to my account. I have reached out to customer service for status and nobody is able to provide me with any information. I sent the billing error request via certified mail and then sent the other via registered mail, to the trustee ( XXXX XXXX XXXX XXXXXXXX ) referencing the companies SEC filings, XXXX and XXXX forms in regards to my coupon. My coupons is a receivable that is not being credited appropriately. I have not received any response from the company XXXX XXXX XXXX . They have since listed my information as late and reflect an inaccurate balance on the account on my credit report/file. By law, during billing error disputes the company can not reflect negatively on my report and must submit responses to me in writing within 60 days of resolution. Additionally, along with not response to milling error request and the form of payment sent not being credited to my account nor returned, this constitutes discharge per 15 US code 1666 section e for failure to comply. The company is not honoring their filings through this whole process.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Mohela illegally and without my authorization put my student loans into forbearance. 
This is due to some Fed decision about the SAVE program, but regardless, this forbearance is illegal and without my authorization! 
I tried to sign up for a different payment plan but I can not do that without calling them ( and not having any documentation about whatever nonsense they try to claim this time ). 
Forced forbearances is why the US AG sued the loan companies XXXX  years ago. They may change their name every other week, but it's all the same company with the same underhanded and illegal methods to XXXX XXXX  students. 
I contacted them on XX/XX/XXXX but I have not received anything back even though the Mohela website says XXXX.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (KY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date XX/XX/year> To whom It May Concern, On XX/XX/year> I looked at my report. I sent a letter to XXXX, equifax, XXXX on XX/XX/year> asking them to re-investigate these accounts : XXXX and here is my tracking number : XXXX The day they sent me their research and said these accounts are complete and accurate. 
I looked at my report and noticed that everything is still the same. 
and in accordance with 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any further investigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate or incomplete or unverifiable, the consumer reporting agency shall : ( i ) immediately delete that item of information from the consumer 's file, or modify that information, as appropriate, based on the results of the new investigation; and ( il ) immediately notify the provider of that information that the information has been modified or deleted from the consumer 's file.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of the report Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the greatest possible accuracy of information relating to the person to whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( A ) Report information with actual knowledge of the errors A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate.

( B ) Report information after error notification and confirmation A person shall not provide information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX didn't really investigate again, they lied in an official document saying they did something they didn't do and I have evidence to prove my case.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
NXXXX 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 unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, Ohio XXXX. There should only be XXXX address on my credit profile. 
Also remove any XXXX XXXX from my credit profile. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I 'm a XXXX year old XXXX that has a 10.99 % interest rate on my primary property with loan servicer Select Portfolio Servicing. I requested a refinance so that I can lower my interest rate and mortgage payment and SPS advised my to apply for a loan modification. I was approved for a loan modification with an interest rate of 9.74 % and they added {$2000.00} to my principal balance. SPS claims they based the loan modification on the information that I sent in. However, the information that I sent illustrated an income lower than they income they used to structure the loan modification. SPS wants me to start a trial loan modification that I strongly disagree with because the income is n't correct and the interest rate is too high
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I had submitted a dispute to transunion and upon transunion investigation the results came back accurate today ( XX/XX/2023 ). How can the results be accurate? When my whole payment history is missing on my XXXX XXXX XXXX. account on my credit report especially when this account is a Charged off account. But Transunion has put it as a satisfactory account which it is not. Transunion have not done a THOROUGH INVESTIGATION and Transunion have not contacted XXXX XXXX XXXXabout this account so that it can be deleted. This account is not completely accurate as stated in your previous investigation. Therefore according to the FCRA and 15 U.S.C 1681 this account needs to be deleted immediately.