davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I made a payment of {$290.00} to XXXX XXXX XXXX XXXX at which time I also entered into a temporary hardship relief program that lowered my monthly minimum payment to {$53.00} for 12 months and also lowered my APR to XXXX  %. I have paid the monthly minimum payment on-time in XXXX and XXXX of 2022 both on the XXXX, however the payments have still been reported as late to all XXXX major credit bureaus. During these months my balance was below the credit limit. 

Even though I have entered into the new payment program, my monthly statement still reflects a higher monthly amount due when my balance is below the credit limit. If the issue is that there is still a higher monthly payment due for whatever reason, XXXX should demand that amount be paid BEFORE entering into a new payment program with a lower monthly due amount, so to not make matters confusing by providing multiple minimum payment amounts to the consumer. Once entered into the new payment program, all previous monthly payment amounts should be voided to allow future payments to be reported accurately and consistent with the payment program.
Consumer complaint received 2020-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XXXX to this date XXXX it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX To Equifax Business  Credit This is my third complaint to Equifax for inaccurate information on my Business credit file, Neglecting my Business Credit file Equifax to delete account number XXXX immediately, and to send me a confirmation letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX My name is XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information Referring to Commercial credit card number XXXX, account inaccurate On Equifax complaint response dated XX/XX/XXXX and on Equifax complaint response dated XX/XX/XXXX the disputed item, account number XXXX Not on my credit file, Equifax is inaccurate Exquifax claimed NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns, see attached Equifax response Equifax inaccurate information, on account number XXXX. As per Equifax Commercial account number XXXX, on my credit file as per email dated XX/XX/XXXX See attached This is inaccuracy on my credit file affecting my company I hereby request Equifax to delete account number XXXX, immediately without delay and to send me detailed letter of account number XXXX, deleted from my Commercial credit file Please do not delay this is affecting my company Thank you XXXX XXXX For the Equifax complaint response dated XX/XX/XXXX and on Equifax complaint response dated XX/XX/XXXX, Equifax inaccurate and misleading information Equifax inaccurate information on my Business Credit file On XXXX XXXX Equifax report # XXXX, Equifax claims account ending in XXXX See attached THE DISPUTED ITEM NOT CURRENTLY REPORTING ON THE EUQIFAX FILE : Company name Commercial Credit Card Account number XXXX, see attached On Equifax XXXX XXXX Business credit file, account number XXXX it shows reporting See attached Equifax has not removed account as they claim, therefore I demand a deletion letter for account number XXXX immediately without delay Florida statues of credit card limitation is 5 years Georgia Statues of credit card limitation is 6 years Account number XXXX reported on XXXX Account dated XXXX, account outdated Thank you XXXX XXXX
Consumer complaint received 2024-03-20
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : XXXX
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

To whom it may concern, this will be the 3rd complaint submitted on this file. The client recently filed a chapter XXXX bankruptcy and since the bankruptcy has been filed, we received information that is concerning to not only the client but the bankruptcy court as well. Complaints were filed with the CFPB on XX/XX/2019 and XX/XX/2019 regarding a discrepancy of the number of modifications the client has already received. The lender was claiming three modifications were received by the client but could not produce any documentation confirming these modifications even existed. A complaint was filed to ensure the CFPB would step in demanding copies of the three modifications the lender stated she received however that was never done. The reason the amount of modifications received was in dispute is because per the client she only received 1 for the life of this loan and in the pooling and service agreement she is entitled to more than one. Per CFPB guidelines the lender needs to exhaust any and all loss mitigation options that would allow the client to keep her home if there is a valid hardship in which there was and still is. Instead of the lender helping her they wanted to increase her monthly mortgage payments to over 51 % of her net income which is clearly not affordable and would cause her to lose her home. That is not a modification by any means. Also, by stating she has had multiple modifications it created a bias with the investors as they were under the impression, she had three already. Per the answers from the complaint filed on XX/XX/2019 and XX/XX/2019 the lender admitted to providing incorrect information and stated the client has only had two modifications. That letter will be attached for your review. The concern at this time is after speaking with the bankruptcy attorney for XXXX XXXX XXXX XXXX XXXX about this issue she requested copies of any and all modifications on the file and the lender confirmed with their attorneys that there has only been one modification given to the client XXXX XXXX since the loan was taken out which again contradicts what the lender is stating and it seems as though the lender has given nothing but false statements to not only the client but the CFPB as well. This is not only outrageous but extremely unfair and against the guidelines of the investor who should be required to assist us with this matter as the lender is solely their responsibility. The investor and the lender should be held fully liable and accountable for the false statements and false information given which not only could cost this client her home but also effected the bankruptcy proceeding as well.
Consumer complaint received 2020-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (MI)

They are calling my place of work trying to collect a debt i do not owe and have never provided any proof of debt owed and are very rude while i am at work ... this is not very proffesional and where is proof of debt owed???
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

XXXX  IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM LEXIS NEXIS. I HAVE A STATEMENT FROM LEXIS NEXIS STATING THAT LEXIS NEXIS REMOVED THE BANKRUPTCY AND XXXX  NEEDS TO DO THE SAME.
Consumer complaint received 2022-12-24
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. (MD)

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 # 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 2020-03-05
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. (AR)

I received a call from a student loan company about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$4400.00} XXXX/XXXX  XXXX {$2000.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$280.00} XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$220.00}
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I called the Wells Fargo 800 line to get information to get information on how to make a large principal payment to my mortgage in the amount of {$310000.00}. I was provided wiring instructions. The funds were revived by Wells Fargo on XX/XX/XXXX. Instead of applying it to the principal loan amount, they applied {$59000.00} towards regular monthly payments from XX/XX/XXXX through XX/XX/XXXX. Also, an amount of {$13000.00} was applied towards the XX/XX/XXXX and XX/XX/XXXX payments. The remaining {$230000.00} was applied to the principal balance. I wasn't told to indicate on the wire that the funds were to go to the principal and not to a year 's worth of payments. I formally requested that Wells Fargo go back and credit me for interest I shouldn't have been charged had they applied the payment to principal which has formally been denied. My complaint is that Wells Fargo should have better controls in place or contacted me if there was a question.
Consumer complaint received 2022-12-24
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. (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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I did not consent, nor benefit from, or authorize any of the following being reported to Account : XXXX XXXX XXXX account ( # ) XXXX - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A )
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation (AL)

On XXXX XXXX of XXXX, OneMain Financial sued me in XXXX XXXX Alabama. The plaintiff 's lawyer, XXXX XXXX and XXXX claimed that I owed {$13000.00} on an original {$10000.00} loan that I had become late on and was making partial payments monthly. During that hearing, a consent judgement was completed in the amount of {$7300.00}. This motion is based upon the Defendant ( me ) admitting owing the Plaintiff ( OneMain ) the amount claimed. Defendant agreed to pay {$1700.00} on XX/XX/XXXX and 16 monthly payments of {$320.00}, with one final payment of {$360.00} until the balance is paid in full. Payments were due by the XXXX of each month. Plaintiff agrees to delay execution as long as Defendant pays as agreed. 

In XXXX of XXXX, I completed the payments in full. Yesterday XXXX XX/XX/XXXX, a process of Garnishment arrived to claim an additional {$7000.00} from my employer. 

I am considering making formal complaints to the XXXX XXXX court about OneMain and XXXX XXXX and also want consumers to know that this company OneMain Financial does not keep agreements, in or out of court.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (AL)

I received a voicemail on XX/XX/2020 with the following communication : " Unfortunately, we received notice on your file today. It is Thursday XX/XX/XXXX and your file has reached our office due to your failure to respond. We do need to know, was this done intentionally or was this an oversight. I suggest you communicate, we are open until XXXX XXXX. today. The phone number is XXXX. Again, it would behoove you to call before we are asked to cease voluntary communications. XXXX. I apologize for the aggravation but we only received the notice this morning. We may speak with you or counsel. '' I returned the call asking for the following : The name of the company The address/city/state of the company I told the representative that the purpose of this request was that I wanted to send a debt verification request letter to them. She refused after multiple attempts to provide me with this information.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OR)

my company sent over information the different state agency 's without my consent or my knowledge. I just learned about this by doing a Employment data report. There is also information that was sent over to XXXX XXXX XXXX without my consent as well. it also needs to be sent to Equifax. XXXX XXXX
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

I opened an account in late XX/XX/XXXX with two promotions attached to my account. " Receive direct deposits of {$2500.00} or more within 60 days of opening your [ checking ] account to earn a {$300.00} bonus. '' and " Deposit {$20000.00} or more in new money [ in your savings account ] within 20 days and maintain that balance for 90 days. '' Both terms of the account bonus were met. I received the savings bonus in XX/XX/XXXX. However TD Bank is refusing to honor the checking bonus because I had a checking account that was closed in XXXX. More specifically, a customer service representative said that TD Bank looks back 7 years for accounts. The terms and conditions of the bonus address this, however TD Bank is refusing to honor their own terms. 

" Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria '' The exact wording and full terms can be found in the attachment. 

Similar language can be found on their current promotions page, which I assume they are also not honoring for other customers : https : XXXX I did not have a prior personal checking account at TD Bank within the preceding 12 months, so I should be eligible for this bonus.
Consumer complaint received 2020-03-06
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. (TX)

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago
Consumer complaint received 2022-12-24
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. (GA)

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 XX/XX/2021 ; XXXX XX/XX/2021.