davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (FL)

I took out a personal loan from One Main financial for XXXX. I paid it down to like {$6500.00}. 
i started having some financial issues & sought help from XXXX. XXXX XXXX XXXX The negotiated to pay off XXXX the debt with One main. I decided i no longer liked XXXX & started paying off debts myself. One main then negotiated with me installments of {$150.00} to be deducted from my account every month. I have that paper. at the end my last payment i called and said can i have proof of my payoff & the lady that negotiated with me advised that was my proof. I would still be getting notifications /c it was automated. I did so i disregarded anything from One main. I then went to pull my credit b/c i wanted to purchase a residence, ( but couldnt/ cant b/c of this ) an amount of est $ XXXX is with a collection agency. they said its from non payment to One main. Ive been going back and forth. They said they dont have that phone call, but they have all the others. I also asked for proof of the {$1000.00} they said i didnt pay and that voided the negotiated terms, which they still have not sent me. So now after paying them est {$3000.00}. they sold a debt. to a collection agency for est. $ XXXX. it makes NO sense to me. The collection agency did not even have all the accurate information. I provided them with the negotiated debt with One main & XXXX. When i called one main the first time. They said they dont have any information on my account b/c it was sold to the collection agency. Then after multiple calls to XXXX they were able to find the information. The CA sent me list of bills that XXXX had sent to me that i disregarded b/c i was advised to do by XXXX so after my last payment. Also mean while they are debiting {$150.00} each moth im still getting bills for large payment amounts and late fees. They Do not have the process in order or the information. its not right that i now have this negative mark on my credit report & delaying my house buying process b/c of this. On top of that its very frustrating and causing me XXXX  to deal with this thinking i have to pay for something i already paid for. I keep loosing out on good deals for homes b/c this messed up my scores.
Consumer complaint received 2023-03-08
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

National Credit Audit is reporting a collection account on my reports that I have reached out to them for directly. 

I tracked my dispute and it shows that it was delivered. However I have never received a response. 

It is my right as a consumer to dispute any and all inaccurate information from my credit reports. Per the FCRA in receipt of my dispute the consumer reporting agency must acknowledge and respond to my dispute claim. 

XXXXational Credit Audit is in violation of the law and my right as a consumer concerning this debt and I am requesting that this account is deleted from my reports now!
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OH)

I have been attempting to rebuild my credit after several hard years. I signed up for credit monitoring with Experian and continually received emails telling me to increase my available credit so I can increase my credit score. I took their advice and have had the complete opposite effect. I am so deep in debt after increasing my available credit that I can not do anything except sink, AND, my credit score has never improved despite having a 100 % on time payment history which is now about to change because I can't afford to continue making all of these credit card payments.
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help
Consumer complaint received 2023-02-02
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. (PA)

I am a victim of identity theft and my personal information has even exposed in multiple data breaches including an Equifax data breach. Someone has attempted to file an income tax return in my name as well as attempt to secure credit using my information. This has also resulted in several unauthorized credit inquiries. I have filed a police report with XXXX pa PD as well as an identity theft report. I have also sent in the identity theft report along with the appropriate documentation, ID, SS card, and a hand written letter explaining to Equifax my situation and gave them specifics on the exact inquiries that were fraudulent that I needed removed. The specific inquiry is ( XXXX XXXX XXXX, 2022 ) I called up and spoke with an Equifax XXXX representative, and I was told that I had an invalid FTC report because the specific inquiry was located in the personal statement section. I explained that the FTC report only allows for 3 inquiries to go in the inquiry section and that FTC gave explicit directions to include the additional inquiries in the personal statement section! I also explained to the fraud department that there was also an inquiry included in the personal statement section ( XXXX XX/XX/2022 ) that they removed already.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc. (GA)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within XXXX days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-12-22
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  XXXX XXXX Balance : {$40000.00} ; XXXX XXXX Balance : {$41000.00} ; XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-07-20
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. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (NC)

Calvary Portfolio Services has repeatedly called my work number when the contact number I provided is my cell number. I work in a law firm and they do not allow these calls. CPS called and left messages on my work voicemail on XX/XX/19 at XXXX and XX/XX/19 at XXXX XXXX and called again this morning XX/XX/19 at XXXX XXXX. but did NOT leave a message. Further, I can not communicate with them on my cell phone when I am at work between XXXX XXXX. and XXXX XXXX. I have payments set up with them for my credit card accounts that need to be paid, so there is no reason to contact me numerous times a day every day by phone. It will not change that I am doing all I can do to resolve the accounts.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX ) WITH YOU, AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE STATED THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER, THEREFORE, YOUR INITIAL RESPONSE VERIYFING THE ITEM WITH THE COURT WAS EITHER An ERROR OR A LIE. EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY. ALSO, THE ADDRESS THAT IS ATTACH TO THIS IS INCORRECT DOES NOT BELONG TO ME ALSO MUST BE DELETED. Also, I XXXX XXXX opt out of third party receiving my information as it is a violation of privacy act of 1974.
Consumer complaint received 2019-12-12
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: Experian Information Solutions Inc. (NM)

Company failed  to make a proper investigation under the FCRA even when I provided a factual error directly from my credit report they just send me a computer generated reply , I demand under section 611 of the FCRA for them to provide me with the method of verification or delete this account .
Consumer complaint received 2019-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (VA)

Great Lakes has my repay date wrong and it needs to be fixed. They tried to collect before the 6 month period was up and reported it on my credit. I have told them before that what ever info they have that caused this was wrong but it obviously was not updated. Also, as of this week I am a part-time student at XXXX XXXX XXXX so that needs to be updated and any further payments defered.
Consumer complaint received 2019-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

This Debt collection company XXXX XXXX XXXX has called many times to collect a debt in the amount of {$370.00} They have also reported this debt to the credit bureaus lowering my credit score. XXXX XXXX XXXX is not licensed in the state of Michigan to collect debts.
Consumer complaint received 2024-03-14
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. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Castle and Cookie Mortgage LLC (HI)

My morgage is with castle and Cooke Im also have assistance from the Homeowner Assistance Fund. On XX/XX/XXXX escrow analyst was done and determined I have a shortage and on XX/XX/XXXX my monthly payment will increase, I informed them I would pay for the short. They said another analysis needs to be run to get a correct amount which would be done XX/XX/XXXX. HAF was unaware of the increase sent payment for 3 months and was accepted on XX/XX/XXXX. On XX/XX/XXXX a letter to HAF was sent to let know about the info. XXXX payment was processed and XXXX and XXXX was put into a unapplied fund.On XX/XX/XXXX a letter to HAF was sent to let know about the change. On XX/XX/XXXX they took part of XXXX 's payment to add to XXXX and processed payment at the higher amount. They claim they was within their right to process payment and I should discuss with HAF if additional payment would be sent to cover the amount they took for XXXX. If I expressed multi times I was going to pay the shortage and they were running another analyst why wasnt payment process other then to take my money and potentially cause me to be unable to pay XXXX bill
Consumer complaint received 2023-05-11
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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