davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (WI)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-05-27
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. (IL)

I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (FL)

After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.
Consumer complaint received 2024-07-06
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. (IL)

Hey I look at my credit report and seen inaccurate and incorrect information on my credit report. Its two account that showing old information and out dated information. According to the fcra and truth and lending act. These accounts have violated my rights and also violated my privacy rights and should be removed and deleted from my report. Its stopping me from helping my family and I would like these account be deleted immediately. Us code 1681 and us code 1682 ( b ). 15 us code 1692 ( e ) has violated my rights. 15 us code 1681 ( e ) has been breach off the laws and by all rights should be in place. After 7 years account should be deleted by law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 168. 

XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, # XXXX, XXXX XXXX  # XXXX, XXXX  # XXXX. 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 604 A. Section 2 : It also states a 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 reporting 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 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (OH)

OneMain currently DEFAMING MY CHARACTER by furnishing information that should be excluded from my consumer report pursuant to 15 U.S.Code 1681a ( d ) ( 2 ) ( i ) a report containing information solely as to transactions or experiences between me the consumer and the person ( OneMain ) making the report. This information is causing damages to my CHARACTER, GENERAL REPUTATION AND PERSONAL CHARACTERISTICS serving as a factor in establishing my eligibility for credit to be used primarily for personal, family, or household purposes pursuant to 15 U.S.Code 1681a ( d )
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX XXXX  for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, MIDLAND CREDIT MANAGEMEN , in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy.

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX XXXX  disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, XXXX XXXX  misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX XXXX failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold XXXX XXXX and MIDLAND CREDIT MANAGEMEN accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.
Consumer complaint received 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union Has Crammed Me with advertisements through my portal I am currently a Navy federal Member they been solicting soliciting soliciting as I am and served this country to learn they pulled credit and state I am not a fit to there criteria DENIED
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

Nfcc keeps reporting that I was over 120 days late when we did a debt disbursement plan and none of it shouldve been reflected on my credit report. This happened in XXXX XXXX and XX/XX/2023. Everything shouldve been reported as OK with no late payment histories. Ive never made any late payments. The agreement stated that.
Consumer complaint received 2024-07-05
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. (NC)

I would like to follow up despite my previous XXXX attempts to resolve this matter, the unauthorized inquiries remain unaddressed.The presence of these unauthorized inquiries is negatively impacting my XXXX XXXX  and financial standing. The prolonged delay in addressing this issue is unacceptable and has caused me significant stress and inconvenience. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the unauthorized inquiries and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken to address this issue until it is fully resolved. If this matter is not resolved promptly, I will be forced to escalate my complaint to relevant regulatory authorities and explore legal options to protect my rights as a consumer. Kindly help me remove the following inquiries immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC (SC)

In XX/XX/year>, I requested a payoff statement to sell my home from Rocket Mortgage. The money was wired to Rocket Mortgage, the deed and title was transferred to the home buyer, registered with the county deeds office, and I received an email saying my loan was paid off.

I recently reviewed my credit report which indicated this account is still open, with delinquencies, and the loan was not paid off despite documents showing otherwise ( see attached ). I've tried to reach Rocket Mortgage at least 8 times over the past two weeks via phone and online chat to understand how I can still have an open mortgage, yet not have the home, not have the deed, not have the money wired to Rocket Mortgage, and the buyer have the deed in his name with the County and my mortgage recorded as " mortgage satisfied '' with the county Public records. 

I've gotten no answers to any of my questions and I also have had my credit RUINED because of this account which I no longer am responsible for and no longer have the deed to and no longer reside in.
Consumer complaint received 2024-06-28
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. (FL)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

XXXX the list of the questionable items : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX  - Account XXXXXXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX  - Account XXXXXXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This will make the 3rd time asking XXXX Equifax and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders 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 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NY)

I have funds deposited into robinhoods XXXX XXXX account. I am have been trying to withdraw the funds for a long time. Robinhood has restricted my account from withdrawing or depositing funds. I provided them with my identification and selfie on their app but still they are not removing my restriction or getting in contact with me.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-12-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN HONDA FINANCE CORP (MA)

The loan was paid off XX/XX/2020 and acknowledged by the company, who indicated that the title would be forwarded to me within 2-3 weeks. As of this date I have not received the document and am unable to speak with anyone since being put on unlimited hold when calling their phone.
Consumer complaint received 2024-05-18
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)

equifax XXXX XXXXXXXX XXXX XXXX  have untrue info on credit report! 
plus, details on alleged account are Hidden. I never agreed to do business with these companies. 
I never agreed to allow companies to share info. False info should be removed immediately.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

i filed bankruptcy in XXXX and it was dismissed never went to court filed and never finished it was closed in XXXX they never removed it from my credit report and I have been denied so much stuff because of it still on my credit report
Consumer complaint received 2024-05-18
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Maximus Federal Services, Inc. (MI)

I am currently supposed to be in an income-driven plan but they put me in forbearance, I did not know that Aidvantage took me out of the either program. They later did not honor a letter from their company stating that my first payment would be in XX/XX/XXXX. They have reported negatively on my credit report before XXXX as missed payments when the payments had not even started yet. They have done this twice, the first time their rep fixed it, and that is when I received the letter stating then in XXXX that my first payment would not be until XX/XX/XXXX. No matter how many times I call no one will help me, and they deny that the letter was valid to me even though it came from a lead person ( rep ). Aidvantage is horrible!!!! They were reporting to the credit bureau for missed payments while I was in the income-driven plan.
Consumer complaint received 2024-09-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC (AZ)

In XX/XX/year>, I was contacted and told that I needed to pay or there would be court action. So I paid them one payment. Then my financial situation was worsened because of a car accident. I pay them one payment in XXXX, but because my financial situation, I could not pay this month. I wrote a letter to email them but could not find a good email for them I then did research, other people also heard from them but was not sure about who they were and their status. I dont understand why they dont have an email. They can email me with a no return email, but XXXX cant email them. So before i send anything else I want to know if they are legit. The research shows thay do not and I dont want to send anymore money expecially in my financial situation.