davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MO)

OMF. OneMain Financial. Was not told that the payment would = XXXX the loan amount and the vehicle was loaned money against it and the value of the vehicle was half the loan value. I am a XXXX
Consumer complaint received 2024-04-26
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-26
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. (IL)

I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (MA)

My lease will expire in XXXX and I got a XX/XX/23 letter advising options from which I chose to get lease purchase financing with an application link for XXXX. I applied for a loan ( App # XXXX ) assuming a seamless process since the lease went thru Chase and I had a credit score of XXXX. After a hard credit inquiry, my application was not approved with subsequent written advice with their reason : " Unable to add or remove names of Lessee ( s ). '' I called Chase on XX/XX/23 and told that my wife was not included in the online application. I advised that their simple inquiry to that end could have addressed that issue before a denial as a hard credit inquiry affects my credit score. Chase rep then advised that I would have to re-apply again which would require another hard inquiry and my original application could not be resurrected. I feel this is an unethical as my credit score would again be subject to a hard inquiry lowering my credit score as opposed to just amending my original application. I should only have to apply once. This is a terrible practice that should not be used.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Winklevoss Exchange LLC (CA)

XX/XX/2023 - I contacted Gemini Credit Card in regards to my open account. They responded stating that my account was actually closed. However, they never removed themselves off of my credit report. 

XX/XX/2023 - I emailed Gemini Credit Card and asked them to remove themselves off of my credit report immediately since my account was closed. I never heard back. I have contacted them several times since then, and still no response. 

XX/XX/2023 - I dispute the account with the credit bureaus stating " Account Closed '', and during the investigation Gemini responds to XXXX stating that the account is actually active and they reject my dispute to remove the closed account. I contact Gemini Credit Card once again, and AGAIN they state my account is closed. I am vexed at their incompetence and need this matter resolved immediately. Either activate my credit card, or remove yourself from my credit report.
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MO)

Ive been trying to contact Edfinancial in regards to my repayment plans. 

My hold times have ranged from XXXX minutes last month, to XXXX minutes just yesterday. The information they have doesnt match up to studentloan.gov. They recommended for me to contact my school, claiming my loans were discharged. I contacted my school, XXXX, and confirmed my loans had not been discharged. 

According to studentloan.gov, I owe XXXX, yet theyre ( Edfinancial ), has shown different amounts. They were showing my loan total as XXXX prior to XXXX and now XXXX as of today. Theres no way to confirm the correct payment amount with Edfinancial. I dont know what my payment will be or how to even get on the ramp-up program to aid in getting on a payment schedule the next 12 months.
Consumer complaint received 2024-04-26
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. (VA)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
Consumer complaint received 2024-04-26
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. (PA)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am writing to dispute certain items on my credit report. These items are invoking my rights under the fair credit reporting act section 15 USC 1692G and 15 USC 1681-S-2 upon review I have identified inaccuracies that require immediate attention. Please investigate, update, correct and remove these discrepancies promptly. Also in accordance with 15USC1681-C-2 it refers to blocking information resulting from identity theft from appearing on a consumer 's credit report. This section outlines the process by which I as a consumer I am requesting that information from identity theft be blocked from my credit report. As well as it is the responsibility of the XXXX XXXX XXXX and handling this request. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to dispute a late payment that is inaccurately reported on my credit report. I have carefully reviewed my payment history and have confirmed that this late payment entry is erroneous. 

As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the inaccurate late payment from my credit report promptly. This erroneous information is unjustly damaging my creditworthiness and hindering my ability to access favorable credit terms.
Consumer complaint received 2024-04-26
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. (AZ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-26
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. (FL)

XXXX XXXX XXXX is reporting a late payment on Equifax, XXXX and XXXX on XXXX thats wrong... .It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX & XXXX or all that apply ) and update the accounts to positive.
Consumer complaint received 2023-11-13
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. (CA)

In accordance to fair credit reporting act these companies have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC (CA)

I have successfully taken and repaid a loan with uprova in the past and continuously receive emails telling me that I'm eligible for a new loan and to reapply. I have applied 5 times each time getting denied and I never received a letter stating the reasons for denial for any of the applications. I contacted the Uprova informing them of this and each time they continued to tell me that I will receive reasons why the application was denied via email within 30 days. I never once received an email stating any reasons why my application was denied. Furthermore, just 2 weeks after applying and being denied I would receive an email from Uprova stating that something in my credit file may have changed and to give them another chance and to reapply. I submitted another application only to once again be denied without explanation. I filed a formal complaint with the company and on XX/XX/2023 the complaints department emailed me stating that the reason my applications were denied was because Uprova couldn't work with the financial institution listed on my application. That is the only reason they provided and I was never given the opportunity to provide alternate account information. Moreover, I requested that Uprova provide me a list of financial institutions that they can work with and specifically asked if they could work with XXXX XXXX XXXX XXXX. If so, I offered to provide my account information since that is the only reason stated the application was denied and did not receive any response. I feel they are untruthful and not offering me the same credit opportunities as others.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX and XXXX I wrote two letters. XXXX to XXXX, XXXX. The other to I.C systems. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act the list of Accounts has violated my federally protected consumer rights 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 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 XXXXXXXX 15 USC 1681 Section 602 A. I have the writes to privacy 15 USC 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intructions 15 USC 1681 Section 602c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of any other adverse item 15 USC 1681 Section 602 s-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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
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. (OK)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I agreed to settle this account with the promise of removal of this account on my credit reports. The settlement was agreed upon, however they VIOLATED the terms of the agreement by reporting this to ALL OF CREDIT BUREAUS WHICH HAS RUINED MY CHANCES FOR EMPLOYMENT, HOUSING AND A NEW VEHICLE IN WHICH THEY NEED TO PROVIDE SINCE THEY F***KED UP ROYALLY!!!
Consumer complaint received 2024-04-26
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. (NJ)

PLEASE DELETE ALL THE NEGATIIVE ACCOUNTS AND INQUIRIES XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023 XXXX AUTO Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/2023 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX, Date of inquiry : XX/XX/2023 XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX XXXX XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-25
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)

I have a letter from XXXX XXXX XXXX XXXX, stating.in writing please removed from my credit file. Thank you. 
We're no longer the creditor on your account.
Consumer complaint received 2024-04-26
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. (IL)

I am writing to formally dispute the presence of unauthorized inquiries on my credit report, which are continuously impacting my creditworthiness. These inquiries were made without my consent or knowledge, and I request their immediate removal from my credit report. 

Upon reviewing my credit report, dated XX/XX/year>, I discovered several unauthorized inquiries listed under the " Inquiry '' section. I did not authorize any individuals or entities to access my credit report for the purposes of initiating credit applications or inquiries. Therefore, the presence of these inquiries is not only unwarranted but also damaging to my credit profile.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

I have tried to make several payments on my XXXX loans, auto-allocated, all of which have had a " payment reversal ''. I started trying to make payments several months ago when the interest rate was at 0 %, which has now ended. So I was unable to take advantage of this, because my payments were being reversed. 

There is no issue with the bank or my bank account number that is directly attached to the loan account. 

Here is my payment history : XX/XX/23 : payment reversal of {$500.00} XX/XX/23 : payment of {$500.00} XX/XX/23 : payment reversal of {$500.00} XX/XX/23 : payment of {$500.00} XX/XX/23 : payment reversal of {$500.00} XX/XX/23 : payment of {$500.00} I was never notified of the payment reversals, so I was unaware until recently that I have " not been making payments ''. I believe this is extremely unethical behavior on Aidvantage 's part. Now they have been able to gather more interest from me without my knowledge and now it is too late. I hope this is investigated further, as I have read in many forums that others have been having the exact same issue.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc. (TX)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.