davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-12-20
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. (FL)

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, 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 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 2023-12-20
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. (WA)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to Equifax and XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
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. (MA)

EQUIFAX is obligated by the FCRA to report accurate accounting, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked! 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. also 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. XXXX " I am opting out of your reporting services.
Consumer complaint received 2023-12-20
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: ALLY FINANCIAL INC. (GA)

Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM XXXX regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items Im demanding to be deleted immediately : - XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This account is reporting as a late payment on my report despite having inconsistent historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Equifax. This account must be removed immediately for Equifax is reporting it wrong.
Consumer complaint received 2023-12-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (KS)

Planet Home Lending has reported me having a late payment for the XXXX bill and XX/XX/XXXX payments. We are in the process of buying a new home and this is being held up because of incorrect reporting that has been reported to credit and dropped my credit score over XXXX XXXX The XXXX bill was paid in full on XXXX XXXX XXXX was also reported late because of a simple error on my part by thinking since our current home was under contract and payoff was request with closing date provided, I wouldn't need to make anymore payments. As soon as I was notified and immediately made the full payment. I have payment proof that all bills have been paid timely within the 10 day grace period, I have called the company 20+ times to get this corrected. In XXXX they used a partial payment as principal only payment instead of normal mortgage payment which then threw every payment after that off by 2 weeks and assigned all payments to the wrong payment dates. after finally speaking with a supervisor I was told they would request for this to be corrected by XX/XX/XXXX because we are scheduled to close on our home XX/XX/XXXX. I called today and they are now saying it will not be corrected until XXXX I keep getting the run around and they will not tell my mortgage lending that it was an error on their end and that I was actually not late on payments. I have now paid {$1000.00} over the amount owed for XXXX  This is going to cause my family to be homeless because they can not get it together and make the correction.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (CA)

I sent a handwritten letter to equifax requesting the clerk name and any correspondence they had they claimed was verified by the BK federal court. I also provided them with the letter from the court that they do not verify bankruptcy 's. which is frustrating because they need to correct errors or remove it from my credit report. I understand that it is scheduled to be removed in XXXX, but it is not right that they can post inaccurate information. 

The " supervisor '' at equifax was very rude I may not have the best English skills but I believe the treatment and undertones from equifax " supervisor ' XXXX XXXX XXXX  The fact that he shames me for the financial troubles I had in the past does not solve the problem.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I've contacted transunion, XXXX, and Experian about a bankruptcy that's being furnished on my account. I've sent them disputes regarding this matter. I also have proof from XXXX XXXX Consumer Reporting Agency stating that my position is valid according to the law and I've also gotten a written testimony from the courts themselves stating that they don't do business with the consumer reporting agencies. I will be submitting both letters to you. XXXX XXXX themselves have deleted the bankruptcy from their files, with that being said ... there is no other reason for XXXX, XXXX, and Experian to have it reporting as well. This reporting is causing me damages and is preventing me from other endeavors I am pursuing. I would like for the Chapter XXXX bankruptcy to be removed from my reports immediately, thank you.
Consumer complaint received 2023-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO Bank, N.A. (FL)

In XX/XX/XXXX, through BMO Harris Bank, I closed a maturing HELOC loan and opened a new account. My balance at the time of closing my old line was {$0.00}. At closing of my new line, The bank added a balance of {$12000.00}, which according to them reimbursed my prior line for Flood Insurance of years XXXX and XXXX. I had NO information nor detail regarding this at all. I was told to send them my flood insurance certificates for those years and they would reverse the charges ( The collateral is in a high rise 90 unit condo in Florida which mandates flood insurance by law ). 

I subsequently sent the noted certificates and received a credit if {$3600.00} from BMO 's third party servicer, but was notified they needed additional certificates for years XXXX, XXXX and XXXX to receive a credit for the remaining {$8800.00}. I forwarded them the requested additional certificates and was then told by the servicer ( XXXX ), that they did not service the account for those years and could not process the credit. From there, both the servicer nor BMO Harris has refused any assistance, nor accepted that there is an outstanding issue. 

They have told me the remaining amount of {$8800.00} is a valid charge without acknowledging the prior position of refunding me upon the submission of the insurance certificates. They also have refused to offer any background ( breakdown ) of ANY of these charges. 

I received no notification of flood insurance certificates requirements because the bank had the wrong mailing address for the past years. No monthly emailed statements showed no owed balance either over those noted years. This is for five years and no one even called me about a issue that was NEVER communicated to me prior to just taking this money from my line. 

I will be happy to submit all coorespondence related to this matter. I also appreciate any assistance. Also to note, I have been required to pay interest of this outstanding balance while I have been requesting this review.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2018-11-27
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. (CO)

I called Transunion today and customer service would not help me with my inquiry problem. It seems that Transunion removed inquiries from my report then reinserted them without providing proper notification to me required by law. According to section 611 of the FCRA any inquiry that is taken off and then put back on by the reporting agency must be followed up with a notification letter by mail within 5 days of doing so. They did not provide this and thus have violated the law. I am demanding that the following inquires be removed and a new credit report be sent to me. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX  7. XXXX XXXX again 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX 11. XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, 2020 I purchased a company vehicle because I had established business credit to obtain a business loan. XXXX XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up XXXX times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XXXX XXXX, 2023. I paid the first payment XXXX XXXX, 2023 online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XXXX XXXX, 2023 I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XXXX XXXX, 2023 and the representative notated the account and saw where I made the agreement and that department was closed. Today XXXX XXXX, 2023 I spoke to XXXX people and no one assisted our company. This is unacceptable and predatory.
Consumer complaint received 2023-12-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: OneMain Finance Corporation (OH)

Thank you for taking my call today regarding my lawsuit settlement questions about the loan I got with you guys back in XX/XX/XXXX. I attached my first statement from XX/XX/XXXX and my most recent statement from XX/XX/XXXX. The Rep I worked with set up my monthly payments to be autopay but it looks like instead of 1 monthly payment being taken out each month, every statement shows that {$110.00} was deducted from my checking account every 2 weeks for the last year ( totaling {$2600.00} ) but if you look at the statement, the loan amount owned has barley budged and its showing I gave late fees owed too which is impossible because he set up the autopay for me. If you could have someone call me that would be fantastic. Thanks so much for your help XXXX XXXX XXXX Account Number : XXXX