davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-01
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: ONEMAIN FINANCE CORPORATION (IN)

On my Report it shows no payment on a loan for 120 days. However I have made arrangements with the company and made all payments. Payments are even reported on their website. It took my 100 % payment history down to 84 % dropping my score more than 50 points. I have requested they update direct to the company and even filed a dispute with the credit bureaus. This has made me pay 24 % interest on a car loan due to the inaccurate reporting of this information.
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. (OH)

Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

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 Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 5-2 Says you, XXXXXXXX XXXX , is 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.
Consumer complaint received 2023-07-12
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. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (FL)

I would like to report erroneous, unfair and incorrect information that is on my fcra. Listed is the facts and nature of the case. I have had trouble with the XXXX Virginia court system before and instead of correcting this error I have to pay the price and am losing employment offers.I don't know how you can continue to spread lies and call yourself a justice system. XXXX and Accurate have not responded to my attempts to explain the situation. This is now my third attempt. 

I found out that I have outstanding warrants in Virginia, I've lived in Florida for 4 years now. I'd like to discuss right now why it is a non issue and that it should not impact my working eligibility in any meaningful way. I literally just got off the phone with the XXXX Virginia Sheriff 's department that can be reached at XXXX and he explicitly told me that XXXX will NOT take action against me and they will NOT extradite. The driving on suspended license should not be an issue since I have a valid drivers license in florida now. I have worked hard to stay out of trouble since living in florida and am ready and motivated to begin working as soon as possible. Should also add for the record that I am in good physical and mental condition and have done this job before, twice in fact. So we are clear and upfront about the situation and there is nothing preventing me from getting this job, thank you for your consideration XXXX
Consumer complaint received 2023-03-03
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX  XXXX XXXX XX/XX/2022
Consumer complaint received 2019-12-01
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: Peter Roberts & Associates, Inc. (RI)

I have pointed out, highlighted all the inaccuracies that is in this report, this is a single negative item on my report and it is inaccurate. There are a lot of missing information to tie this to my name. I need to see the docs that the creditor sent to you were used during the investigation to make the determination that this account is accurate. No Proof? Then you can not report.
Consumer complaint received 2023-03-03
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. (MI)

In accordance with the Fair Credit Reporting act Equifax, 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 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
Consumer complaint received 2022-09-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Experian Account 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. 

XXXX5 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Its XXXX things on my credit report that needs to be removed. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX These things have brought my credit score down. I need them removed asap.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX accounts has violated my rights. 

15 U.S.C 1681 Section 602 A states have the right to privacy 15 U. s. c Section 604 A Also states a consumer reporting agency can not furnish a account without my written consent or instructions XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX acct XXXX XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, US Dept acct XXXX XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX acct # XXXX, XXXX  acct. XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX, and XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX
Consumer complaint received 2023-08-15
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is a new issue since tax time just started! We have been working with company and things are getting no better! Now we have received our XXXX Mortgage interest form and it is wrong missing the correct amount of interest paid to bank as well as buy down being incorrect and more! They have charged for buy down in a loan which ended in XXXX if XXXX yet they charged for the whole months ( XXXX ) rather than XXXX at the most at {$130.00} per month! They have also not reported the payments made to XXXX in which interest was once again charged and more to. There number sis off by $ XXXX to say the lease! We have requested since XX/XX/XXXX that they send out a corrected copy and not produce false information to the IRS!
Consumer complaint received 2023-06-28
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)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2023-06-23
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

This complaint is with regards to Flagstar Bank. 

Flagstar.com XX/XX/XXXX payment was taken from my account. XX/XX/XXXX the bank drafted 2nd payment. On XX/XX/XXXX The bank collections department called and threaten to Foreclose my home for non payment. 

On XX/XX/XXXX they send statement stating that none payments were made. On XX/XX/XXXX they drafted a payment for the month of XXXX. All three months have been taken out of my bank account but the bank claims that no payments were made. 

After 2 hour conversation finally the bank figured out that they have been taking out payments and stated they will fix the matter. 

It is XXXX and I continue to get calls from Flagstar bank collection department treating me to foreclose on my home for non payment. I explained that they have withdrawn payment from bank account. They have been treating me over the holiday to foreclose on the home that I have made payments on. I have all proof of payment taken from my checking account. The customer service manager of the bank has no idea why this is happening. 

My mortgage payments with original Leander were less by {$300.00} then they are now with Flagstar. 


Flagstar has been very aggressive with regards to foreclosure on my property on which I make timely monthly payments on.
Consumer complaint received 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (PA)

Hello, Ill try to make this concise : My mortgage servicer used to be Chase Home Finance. In XXXX of this year I was scheduled to have XXXX and miss 6 weeks of work. I reached out to them before hand to see if I could make an arrangement to skip a month of payment and then pay a month and a half for the subsequent months to get caught up. They agreed, sent me a document to sign and I proceeded to pay as agreed through the next months. In XXXX, they sold my mortgage to another company ( XXXX XXXX XXXX XXXX  ) and reported me to the credit bureaus for being late on my payments by 60 days, even though I had paid as agreed. I have reached out to them multiple times but they claim nothing can be done to remove or annotate this to indicate I was only late because I was proactive and reached out in advance about a medical issue, had I know I would have made other financial changes which would have allowed me to make these payments as usual. I am trying to get this removed from my report so Im reaching out to CFPB, I have a lot of respect for the mission of the Bureau and Im hoping yinz can help. Thank you. 

Best Regards
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

PayPal has been sending me harassing emails regarding a small charge on a closed credit card associated with an account that was hacked and which I am unable to access. They refuse to take any form of payment online or confirm the payment of the debt and I am unable to see the actual charges on this credit card. They have been reporting this debt to my credit reports despite it clearly being a phishing scam that only demands my debit card number over the phone. 
The account is a Synchrony Bank XXXX account that ends in XXXX and the PayPal account associated with it is XXXX which has been hacked and closed by other people without my permission.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I have been writing to you for the last 2 years and have filed my complaint about Rushmore Loan Mgm. Both have been futile. No one has done anything for the consumer.

I begged them and asked them to give me a relief. In 2006 I purchased my house for XXXX. I put a downpayment of XXXX. When I went to closing I owed them according to their records which I have not accepted I had to pay them XXXX!!!! 

For almost 14 years I paid all these loan sharks, yes I call them loan sharks ( XXXX, XXXX, XXXX and now Rushmore ) nearly XXXX and yet, I owe more than I did 14 years ago. ON what basis I am not sure? 

I asked them to explain everything but their explanation is zilch. They also charged me XXXX in arrears! I asked them to explain this or at least forgive the arrears. They refused. I settled with my second loan on this very property for XXXX. That means after all the costs involved which included taxes, fees, real estate fees, etc. I would come out with XXXX!!!! 

Rushmore and their partners or " investors '' whoever they are, rob people like me everyday. They do not care if I own or lose my house. Their motto is to protect their investors and their investors want to make 200 percent on their investment. 

This has been a trend and it will not go away until institutions and orgs like yours really start doing something about it. Why should banks and loan sharks make so much out of the misery of the citizens of this country when I personally tried to keep my house, pay my mortgage and try to own a brick in my house. 

Why don't you really do something. Because Rushmore and alike will continue fleecing people who have no rights and no power. 

Rushmore got XXXX out of me. And I am left with the pieces never being able to buy anything. I also wanted to get out of this horrible loan, yes a horrible loan. 

I will expose Rushmore in every way I can. The least they could have done would have been to forgive the so-called arrears. 

On top of it after they got all this money illegally ( yes illegally ) they sent me a letter asking for more! I guess they didn't get enough. 

XXXX XXXX
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX I made a payment to Synchrony bank for my TJ Maxx card over the phone {$32.00} then noticed my bank made a payment for {$35.00} forgetting payment set up through my bank. I tried canceling it through my bank couldnt do it. So called Synchrony bank and ask for the money back. They said you have to wait to a post to the count, OK can you leave note ask for the money back. XX/XX/2023 your {$32.00} post on account with the {$50.00} from the bank is there it is having Post I said do you know how hard it is to keep calling you guys getting a run around getting people dont know what theyre talking about XXXX, customer service, and if I dont call back, youll have a credit on account which I dont want to keep calling back its aggravating I called back the second time and got to run around. Nobody knows nothing. All of them are managers are supervisors and nobody can give me the operator number, this was not posted when I open the account they know how to accept money and but dont know how to give it back especially when the count is paid off
Consumer complaint received 2022-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc. (NV)

Already called directly multiple times I have XXXX XXXX they are not a preferred provider for XXXX XXXX XXXX where I live and they contract with them for the X-ray at the er I am not sure multiple calls to XXXX XXXX XXXXt XXXX with no response
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. (KY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (DC)

I have experienced several ongoing problems with my Yamaha Motor Finance loan : - The company makes it extremely difficult to make payments above the minimum monthly payment amount in an effort to pay off the loan early. Payments above the minimum are applied to the next payments instead of principle - moving the payment due date far into the future instead. This is not clear anywhere on the website. I later found the only way to make such a payment is to pay by phone through a very lengthy process. Even then I am not able to actually make a payment purely toward principle- it will first apply part of the payment toward the next payment due first. In my case for example, my next payment due isn't for many months due to the problems noted above. This only compounds the problem noted above and keeps shifting the due date into the future and making it impossible to make a payment toward principle. 

- Amortization tables are not available and it is entirely unclear how interest is being accrued. For example, by paying down the principle earlier than the minimum payment schedule it is not clear if the interest being paid is being adjusted accordingly. 

- The loan information including loan balance on the website does not match up with the statements and payments made are not accurately reflected. It is entirely unclear if and how payments are being applied