davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (IL)

i got a loan with onemain finacial and signed papers for XXXX payment a month. The big manager at the store falsefied documents and made the payment to XXXX a month withouit my signature or my agreement i have several documents to support this claim and i have proof. They committed fraud and violated the truth in lending act. They committed crimes and have ruined my credit and my life. 

I have filed complaint with attorney general office and more. 

They switched docmunets and violated so many laws and federal laws as well. submitting false document to my bank.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (PA)

In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " Charge-off 'XXXX and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind Equifax of the stipulations within the FCRA, notably : 15 U.S.C 1681 Section 602 A : This section highlights my right to privacy and the necessity of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions.

15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that Equifax will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I paid it in full asked to have a letter stating it was paid in full faxed or sent to email. They sent a bill instead of already paid debt got a bill today XX/XX/2021. The debit was paid in full on XX/XX/2021. I have called them several times asking for them to fax paid in full. They also said that they can't take it off my credit report since they haven't reported it yet through the credit report yet. Midland credit management and company and I spoke to a XXXX. This is about a XXXX credit card.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-27
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that 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. 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am disputing an account that is being reported on my credit report as wrong information. I contacted experian and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can experian verified if the address is wrong?
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (NY)

I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (MD)

On XX/XX/2023, I submitted dispute letters to the XXXX CRAs ( XXXX, XXXX and Equifax ) about the inaccuracies and inaccurate reporting on my credit report.and yet nothing has been taken care of nor have I received any correspondence to what is going on.
Consumer complaint received 2022-09-06
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: Specialized Loan Servicing Holdings LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2019-07-30
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. (TX)

XXXX ; XXXX and Transunion are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2023-06-27
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. (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. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX - XXXX Account name : XXXX - XXXX Account name : XXXX XXXX - XXXX Account name : 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 2023-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AZ)

I have an account open with a creditor for a store card. I have previously asked to refrain from calling me on XXXX as I go to church and they have repeatedly called me on Sunday with a total of 3 times in about 4 hours. Since Friday they have called 7 times and have not yielded the phone calls. According to the information on the CFPB site they are in current violation of harassment. I have asked them to stop calling that I have payment arrangements set up but they continue to call.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX I had a hacker take control of my phone to get my XXXX back. He got into my Wells Fargo account and transferred funds through an app called uphold to himself. I never authorized any payment. The hacker used my identity to make the transactions and he told me they were codes to block external locations of a hacker in my phone. I reported this to Wells Fargo immediately. They told me as soon as the funds were posted they would issue me a refund. When the funds were posted I contacted them and they told me that they could not issue a refund because I made those transactions. I got escalated to a higher department and they then told me that wasn't true and I would get my money back. I called to check on my claim yesterday and they told me it was denied. I submitted my evidence that I didn't make the transactions as well as provided them with my police report and they told me since I had that much evidence I would receive a refund. Today I called to check on my claim and they said it was denied and would not be reopened because I made those transactions and there was nothing they could do. The amount was XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021, I purchased a brand new XXXX XXXX combo from XXXX  paid for it on my Capital One credit card. The package arrived opened. The box had the tape cut and the product had finger prints on it. I took pictures before installing the product. Once the product was installed and working, I used the internet it provided to contact XXXX about the product. XXXX sells the same product, but it is open box. XXXX asked for the photos of finger prints and then denied any credit. I immediately reported the transaction to Capital One and a dispute was opened. XXXX denied the dispute. XXXX reasoning behind the denial was due to not being contacted by the customer ( me ). Capital One requested proof. On XX/XX/2021, I submitted to Capital One email records and copies of photos of the finger printed product. Capital One again denied my transaction asking for a second opinion from a professional of similar stance as XXXX. 

I did not and do not authorize the purchase of an open box product from XXXX. 

This is class warfare. XXXX is a multi-national conglomerate. Who would be considered a similar company? No one has the size or reach. The only closest company would be XXXX, another massive online retailer. As a regular citizen, it would be practically impossible to obtain a second opinion of Walmart from their legal department on their letterhead. However the evidence produced by myself, the customer, clearly proves that XXXX did know about this problem and refused to remedy the issue. Capital one is taking sides. One can presume this is due to their financial business arrangement where Capital One offers a special XXXX Credit Card. XXXX pays capital one more than I do so both parties are ignoring my evidence and protecting each other. 

XXXX lied and is stealing money from me. Capital One is refusing to protect their customer from a transaction that was not authorized. I am being discriminated against due to my financial class.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

In XX/XX/2022 I switched home insurance companies which I pay through an escrow account with my mortgage company Carrington Mortgage. The former insurance company sent a check to my address for a refund of canceling my home insurance. I needed to deposit that money back into my escrow account. On XX/XX/2022, I called Carrington and asked what is the best way to deposit that money back into my escrow. I did exactly what they said to do and that was to make a payment and include in the memo ' to be deposited into my escrow account ". It was never applied back into my escrow account by Carrington, it was applied to my monthly payments on XX/XX/XXXX, an error on Carrington mortgages part. On XX/XX/XXXX as soon as I was alerted to this I called Carrington mortgage to get this straighten out only to be told they would put a work order in for this and call back in two weeks. I have contacted Carrington Mortgage every two weeks from XX/XX/2022, until XX/XX/XXXX and it is still not corrected. On XX/XX/XXXX I talked to a supervisor who said it should be corrected, but I now have a letter from Carrington mortgage dated XX/XX/XXXX stating that my house has an " intent for foreclosure '. I have been making my monthly payments on time or before time, so I do not have any missed payments or late payments. On XX/XX/XXXX when I talked to the Supervisor, I told him I should not have any late payments or missed payments as everything on my end was done correctly. This should not have taken 3 months to be corrected. Also now my monthly mortgage payment went up, but this should not be because my property taxes and my home insurance payments did not go up.
Consumer complaint received 2023-01-05
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. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-17
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. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9000.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.AccounXXXX Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.