davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NJ)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-12-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MRS BPO, LLC (VA)

I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX is over the time frame required to submit report to me. Please refer to the attached XXXX  XXXX dispute letter sent to them.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation (GA)

One main financial loan service I have never used or contacted before they have affected my credit score by leaving hard inquiries. I have 5 times they have without permission run my credit and Making my credit have a negative impact. Id like this removed immediately
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX an account from Procollect collection was added to my credit from XXXX XXXX XXXX XXXX in the amount of XXXX. My lease expired XX/XX/2019 and I moved out XX/XX/XXXX. I did not sign an extension ot renew my lease for these apartments and my rent was paid in full for the month of XXXX even though I moved early. I would like this collection to stop reporting to the bureaus and this account removed from my credit.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have previously contacted XXXX XXXX XXXX XXXX XXXX ) to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE XXXX OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION OKINUS has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Consumer complaint received 2023-02-25
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: WELLS FARGO & COMPANY (GA)

15 US Code 1681e states that 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. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. 

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report on XX/XX/XXXX from TransUnion. I sent a dispute letter on XX/XX/XXXX. Received TransUnion credit report back on XX/XX/XXXX. With XXXX XXXX XXXX, XXXX still on my credit report. The dispute letter clearly stated all the Federal violations as listed below. 

XX/XX/XXXX -According to the CDIA ( Consumer Data Industry Association . XX/XX/XXXX CRAs are to Eliminate the reporting of all debt collections that do not originate from a contract or agreement. 
The Federal Trade Commission has taken action against a debt collection company ( s ) that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. Also known as passive debt collection, 1. Violation of H. R. 5282 SEC. 102. ( b ) Negative Information Notices To Section 623 ( a ) ( 7 ) Any person that regularly furnishes negative information to a consumer reporting agency described in subsection ( p ) or ( x ) of section 603 about activity on any accounts of a consumer held by such person or transactions associated with credit extended to a consumer by such person shall provide a written general negative information warning notice to each such consumer before such person may furnish any negative information relating to such a consumer.

2. Violation of H. R. 5282 SEC. 102. ( b ) Negative Information Notices To Section 623 ( a ) ( 7 ) -Any person described in subparagraph ( A ) that has furnished negative information relating to activity on any accounts of a consumer held by such person or transactions associated with credit The CRA 's need to be held account for this type of action.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I moved into XXXX XXXX  on XX/XX/XXXX and put up a security deposit of {$150.00}. When I moved out on XX/XX/XXXX for which my lease was up XX/XX/XXXX I gave them a 60 days written notice. The lady with a XXXX XXXX tattoo told me I could stay until the XXXX of XXXX of XXXX. She told I could pay a prorated rent of {$600.00} and I did. XXXX took the notice, but she moved to corporate which is XXXX XXXX. The address for that apartment was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX and I got my keys off the door the morning of XX/XX/XXXX. I moved into my new apartment on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. When I moved out the lady with the XXXX bird tattoo told me to come back for the security deposit. She was busy the next time. Then after that there were XXXX more new ladys and they told me to call a lady and they were charging me for that whole month and I explained what had happened and they told me they took it off. Well, I called the number and no one answered ever and the voicemail was full, but I left messages. I sent emails to managers whom never got back to me and I talk to XXXX like a couple of months ago and she never got back to me. I called XXXX after they had put it on my credit and the told me they took the first months water bill out of the deposit and keeping the rest for rent from XX/XX/XXXX, XXXX XX/XX/XXXX and I was living in my new apartment then. Before that call they were saying I owed water, electricity, trash, when all that was included in the rent at that time for the prorated rate. If I owed for the first months water then they should have talked to me about and billed me before taking it out of my security deposit. I do not owe for living there after XX/XX/XXXX, that is identity theft and fraud them charging me rent and taking my security deposit like that. The water is not even that much from XX/XX/XXXX to the end of that month.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 I applied for credit with AMERICAN EXPRESS and was denied. This is a violation of Equal Credit Credit Opportunity Act which is codified in 12 CFR Part 1002, also a violation of 15 U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602p. The Card applied for was an AMERICAN EXPRESS Amex Card with a {$50000.00} limit and 110,000.00 flyer miles.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-02-21
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)

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXX XXXX. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to XXXX XXXX XXXXXXXX It is an Unfair act of practice. 
Pursuant to FDCPA XXXX payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose XXXX XXXX XXXX XXXX XXXX  We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

on XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX to Arvest Central Mortgage. During the process the total amount transferred was short by {$9.00}. 
Normally I would let this slide. However during the process, both companies took the XXXX payment from my checking account which sent it into overdraft and I was charged a {$38.00} fee from my bank. Since I didn't have enough funds in the bank to cover 2 mortage payments, The payment to Arvest did not clear, and they charged me {$25.00} isf fee  among other things. 
When I received my year end tax documents, I noticed the {$9.00} discrepancy and contacted both companies. 
In XXXX of XXXX Arvest responded that they were aware of the problem and it would be resolved within weeks. 
In the last year I've reached out to Arvest as to the status and have received no response from them. At this point they should pay a late fee as well as interest on the {$9.00}
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Experian Information Solutions Inc. (CA)

My XXXX XXXX XXXX was stolen from my job XXXX of XXXX out of XXXX XXXX. XXXX XXXX sheriff 's came out and took a report, the report number is XXXX. I let Experian now the issue and their still trying to make me pay for a stolen car.
Consumer complaint received 2023-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC (TN)

On XX/XX/2023 I received a letter from collection agency stating I owe a debt to XXXX XXXX. I already reported the account as fraudulent to XXXX in XX/XX/2023. I was told the account was flagged for ID fraud and I would not be responsible for this debt and the account would be closed and no further action was needed from me. So why am I still receiving collection notices?
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: EQUIFAX, INC. (GA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2019-07-16
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: BARCLAYS BANK DELAWARE (NV)

barclays bank has been paid and the account should be in the process to a settlement.they said it is under investigation and there has been no results?
Consumer complaint received 2024-02-20
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. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2019-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (TN)

One Main Financial XXXX, TN Personal loan This company was emailed and called about loan being late less than thirty days. 
One main employees have called over 5 times a day from various numbers and various locations. 
The employees degrade and talk disrespectful. One Main refused to be kind once I refused a deferment, versus a late fee.

One Main has started to call our employment on an account less than thirty days late and after we contacted One Main several times to STOP CALLING.

One Main employees are harrasing this loan because they want their numbers to be down, treating people horrific, even lying about credit reporting. 
One Main XXXX, TN is violating Federal harrasment laws.

Calling repeatedly and calling employer after cease was emailed to Supervisor of One Main several different dates.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft, and as a result a number of. accounts are on my report that are fraudulent. I would like to have these accounts blocked and removed from my credit report. 








XXXX XXXX XXXX Status Open Balance {$13000.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$650.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Retail Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$48000.00} Type Installment Loan Payment Status Late