davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (CA)

This was my sixth and a follow up complaint to the XXXX and Equifax Credit Bureaus with the assistance of CFPB informing the 2 CRAs that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. And per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are are required to block and remove any items not later than 4 business days. Ive already included the identity theft report in my previous letters & I am including it again. Also, the details you provided on these inquiries are UNKNOWN to me and was individually REMOVED from other bureaus and I have doubts about the accuracy of the data they are are showing in for each of these inquiries. 
XXXX : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to notify them if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful noncompliance.
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I have sent a debt validation letter to XXXX on XXXX XXXX and also another on XXXX XXXX exercising my rights under FCRA 611 ( 15 USC 1681 ) and this CRA has not sent over any supporting documents from the debtor nor have they provided me with the method of contact they used to support their reporting. They only sent back that it was verified but the only person that can verify if it's 100 % accurate is the consumer. They are reporting inaccurate info that they have failed to properly investigate and I want it deleted immediately
Consumer complaint received 2021-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

During Covid we were offered Forbearance by our PHH Mortgage over the phone we accepted at the end of our forbearance plan we called and tried to make payments we were told they would no longer accept payments from us until we resolved the forbearance plan we told them that we were able to resume payments they said they will only apply them to the monies owed for forebearance plan we said we were waiting to hear if they were going to allow us to put the forebearance amount on the end of the loan or adjust our mortgage amount to pay it back as we were told when we took the plan. We told them we were very concerned if we let them apply them to the forbearance monies then we would go into default on out current payments they said we can put you on forebearance again???? We said no we want to have our case looked at so we can find out if they are going to allow end of loan or adjust monthly payments on monies owed for forebearance as that is what we were told ... then they had us apply for a decision on that which they never told us we would have to be approved for when they offered this plan. we have had many conversations on scheduled phone calls with our Relationship Manager who we were assigned we have submitted ALL requested documents and we have confirmed that our file was complete and going to the underwriters and they had 30 days to get back to us and we scheduled another call from 30 days from that date when he called us back he said I don't know why they are not giving you an answer please give us 7 more days and I will get supervisor involved scheduled another call and my husband came home from work early and our relationship manager never called or his supervisor as he promised a employee unknown to us called and stated our Relationship manager was busy on another call, we asked to speak to our relationship manager supervisor and the employee said he did not know who he is. We are terrified we are going to lose our home we have complied with everything and still don't have a answer as to what is happening with our home. We have documented all phone calls and names, dates, and times of people we have spoken to through this whole situation. PLEASE HELP US
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (TN)

On my Equifax credit report, I have been disputing the XXXX XXXX XXXX account for over 12 months due to inaccuracies and incompleteness. While I have sent many certified letters to Equifax pointing out these errors this and previous years, I have chosen to only include the last four months of letters so as to simplify this complain process. Basically, I have pointed out to Equifax that they have refused to either correct inaccuracies and incompleteness by either not correcting or leaving blank sections of my report. They have not provide the correct Payment History, not added the Date Of Last Payment and refused to place a Notice of Dispute on this account even though I have informed them repetitively that these are all fineable FCRA violations. The failure to add a Notice of Dispute notification to my report within 30 days of being notified, for instance, is an automatic {$1000.00} penalty. In addition, I have informed them that this account was settled and discharged by XXXX XXXX earlier this year. I actually sent them the 1099C paperwork forwarded to me from XXXX XXXX  making this account a positive income that I had to report on my inome tax in 2023, nevertheless they have continued to ignore this change. I have included documented proof that Equifax has in fact ignored my repeated requests and has serious damaged my credit causing me to lose both a loan for an auto and a house mortgage. In addition to attaching the letters I sent them, I have included my latest Equifax credit report onwhich I have highlighted and circled their repeated FCRA violations.
Consumer complaint received 2023-01-27
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: OneMain Finance Corporation (IL)

XXXX # XXXX XXXX XXXX XXXX Onemain XXXX XXXX Onemain XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (NJ)

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, Account name : XXXX XXXX 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 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (CO)

I went into the XXXX 's XXXX store in XX/XX/2019 and applied for an installment loan related to a product I had purchased. I had the supervisor and what appeared to be a new employee both fill out and application for me and I was given no information about the loan before I left just that it was accepted and the product would be delivered by the end of the week. A month goes past and I begin to receive phone calls/texts that my account was in default although I had never received any information via phone or via mail about my account number/first payment. I was able to contact a customer representative who opened a new account for me and provided me with all my information as she stated the initial account contract was written incorrectly. Since then I have paid off the correct second account, but the initial account that was written incorrectly and should have been closed per the customer representative was never closed and I continued to be harassed for payments. Every phone call I have had with them was one where I had to reexplain the situation and they would proceed to review the report and see that a no call status was on my profile, but I continued to receive call requesting payment. Since then I have also been charged extra for the account that I did pay off and was closed. My credit report/score has had incorrect information on it and been lowered due to this information. I am able to provide additional dates as well as chat logs/phone logs of when I contacted/was contacted by the company.
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've  suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-03-06
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. (PA)

I am filing this complaint to get clarification on these latest reported derogatory items on my credit report which was furnished by the three major consumer reporting agencies. I firmly believe that accurate and fair credit reporting is critical for the banking system to work well. If credit reports have mistakes, it can make the banking system less efficient. Unfair ways of reporting credit information can also harm public confidence, which is necessary for the banking system to keep functioning properly. 

Thus, XXXX respectfully asking you to critically check the accuracy of these accounts below and kindly delete the incorrect and erroneously furnished details on my files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
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: Experian Information Solutions Inc. (CA)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2019 I, XXXX XXXX XXXX, contacted Transunion Agency in reference to several inquiries and items that were placed on my credit report due to fraud. I explained this information to the representative named XXXX and she stated that she was unable to assist me in this matter. 

The following inquiries were not authorized by me and should not be on my credit report : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do ask that they remove this incorrect information Thank you, XXXX XXXX
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CO)

this complaint is regarding the clothing chain XXXX XXXX XXXX XXXX, and their credit card issued by Comenity Bank. 

I had an account with them for over five years. I set up my account to receive paper statements. For an unknown reason, I stopped receiving paper statements. I use the credit card, never received a paper statement, never received an email statement ( a  search of my email was done while I was online with the company 's customer service agent to verify no email has been sent while other promotional emails were being received ). I reviewed no indication of a payment being due. 

Furthermore I was never notified in writing of any form that the underwriter had changed and that the company was being financially managed to differently, and nothing to account for the change in the status of how I wished to receive my statements. I received an estatement on XX/XX/XXXX ( attached ). I started receiving urgent email notifications on XX/XX/2019 ( attached ) about the bill being passed due. 

I was charged interest, and late fees, and received no recourse from the company other than to pay the bill in full. On XX/XX/2019 I paid the bill {$87.00} ( which would not be pulled until XX/XX/XXXX, attached ), filed a complaint with the company and canceled my credit card.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc. (TX)

I received too many calls without written statements. 
They still reported to Credit Reporting atgency and damaged my credit. 
I went ahead and paid including finance charge and requested to remove from my credit file No action. 
I have proofs of payments
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (UT)

I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became disabled from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Sent {$500.00} US for concert tickets and was scammed by the Individual by not receiving the items I paid for. There has to be some recourse that can be taken. What about the account the money was deposited into by Zelle???
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

A Citibank representative threatened to report my credit card account as delinquent because of a recent fraudulent charge that is still under investigation. 

Citibank is currently investigating a fraudulent charge on my credit card account. The card was cancelled and re-issued at the time the fraud was reported. I have the new cards, as it's been several weeks. 

The Citibank website and telephone system both report a balance ( consisting of the fraudulent charge and its associated foreign transaction fee ) and also that no payment is due. There are no other current transactions on this account besides the fraudulent one. My usual payment due date is still several days away. 

Citibank has not credited the fraudulent amount to my account, nor sent the promised letter so I can provide information for the investigation. On XX/XX/2019, I called customer service, was transferred to the Citibank Security Investigation department, and spoke to representative XXXX. 

This representative asked some questions about the fraudulent transaction, and then pressured me to make a payment on the account while the investigation was pending ( up to two billing cycles. ) I said several times that I would not make any payment because the only transaction is the fraudulent one. 

She said that if I chose not to make at least the minimum payment before my payment due date, Citibank would report my account to the credit bureaus as delinquent and ruin my credit history.
Consumer complaint received 2019-09-21
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. (MI)

On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and XXXX  and XXXX have refused to block this information as required under law.
Consumer complaint received 2019-09-21
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. (MI)

On or around XX/XX/2019 I received an alert that a negative trade line from XXXX XXXX XXXX was reporting to my credit reports. I closed all my XXXX accounts back in XX/XX/2019. This purported debt is from transactions after my account had been closed that were not authorized by myself. Moreover, I never was opted into ANY overdraft protection with XXXX. Further, under TILA, the Michigan Collection Practices Act, Michigan Occupational Code, and the Truth in Lending Act, XXXX has not provided me with any statements, disclosures or the like regarding this alleged debt. This alleged, fraudulent and incorrect account has caused my scores to drop over 100 points, and is preventing me from closing on a loan. 

Lastly, I have filed a police report with the XXXX XXXX Police Department, and Equifax and XXXX have refused to block this information as required under law.
Consumer complaint received 2019-02-15
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. (CA)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX  XXXX and XXXX   XXXX
Consumer complaint received 2020-06-07
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: CURO Intermediate Holdings (TX)

Speedy Cash keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (TX)

Fortiva makes it as hard as possible to make a payment. The payment page on their website doesn't work and the payment portion of their app doesn't work, I have tried both at least 10 times. On XX/XX/XXXX, I called to make a payment and asked the agent to set my account to autopay, he confirmed he did. He didn't set it to autopay though he lied and then I was late with my next payment because I thought it was set to autopay and they tried to charge me a late fee.