davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NC)

Recently, I was denied an extension of credit by OneMain Financial for a personal loan on XXXX XXXX ( 12 CFR 1002.7 ). I received a phone call from OneMain Financial and was told that in order to move forward with loan process documents needed to be uploaded and income verified using OneMain Financial provide process via www.onemainfinancial.com. It was not until my credit report was used ( resulting in an a credit inquire ) that I was informed that the bank where I received my direct deposit into is not an institution on the list of banks that OneMain Financial verification platform recognized was as if this information was disclosed before hand I would not have conducted business with OneMain Financial. Then after I was told there was no more they could do. All in good faith the application for a line of credit for {$7500.00} was completed and fulfilled by I, the applicant with no funds or goods in return. In which is in clear violation of ( 15 U.S Code 1681N ( b ). Although I was notified of the denial, I was not properly issued written notice explaining determination of denial not in compliance per 15 USC 1681b ( b ) ( 4 ).
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, ONLINE
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I disputed this account more than once with the final time being XX/XX/2023 and Equifax continues to claim that they have properly verified it. This account is PAID and even AFTER I sent in my receipts from the creditor and they still claim that it's been verified.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2022, I filed a dispute with XXXX, Experian and XXXX Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and transunion they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed from my report
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

Any deposits over {$500.00} are either my pay from XXXX non-recurring money we have borrowed from family to help us get by due to the baby and medical bills. 
You keep asking us for the same documents we have sent and re-sent and re-sent again. 
You ( Cardinal Financial ) told us that if my mom, XXXX XXXX, quit-claimed off of title she didnt have to sign anything or supply any documents, yet you just sent me a letter dated today asking me for all of my moms documents. It was not small task to get her removed from title during a pandemic with a XXXX XXXX ( XXXX hours away, each way ) and you were the ones that told us to do it so she would not have to be involved. 
She does not live with us. She does not pay our mortgage, she co-signed with my now-deceased father to help us buy the house. 
The ONLY source of income is from my job at XXXX. 
I implore you to please review the documents and if you need anything FURTHER than the attached, we will supply it to you in short order. 
We have sent you EVERYTHING YOU HAVE REQUESTED MULTIPLE TIMES. PLEASE ASSIGN SOMEONE NEW TO OUR FILE SO IT MAY BE REVIEWED IN A TIMELY MANNER. 
Thank you, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX I had deposited {$500.00} into my spending account. This is all of my money and I planned to use it for living expenses and food. Robinhood restricted my account sending me an email saying my account was restricted due to unusual activity and because they were unable to reach me. I contacted them uploaded my ID to identify myself and submitted bank statements that they requested, and I confirmed all the activity on the account is mine. They verified me, confirmed there is no unauthorized activity and they have not removed the restriction on my account. I called them everyday to tell them I need access to my own money but everyday the only response I get back is that they are reviewing my account still. My account does not even have that much activity to review, I told them they can review as much as they want while my account is unrestricted also. But it has been 2 days and my account is still restricted. I am hungry and cant even buy food because they wont let me use my own money. They wont even let me close my account to get my money back. They are harming me and withholding my money unreasonably.
Consumer complaint received 2023-01-01
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. (NY)

I have been a vicitim of identify theft and the information keeps coming back verified when I sent them all the documentation. A furnished may not use information to verify anything. The information they received was the result of identity theft. I never opened a XXXX account. And it keeps coming back verified because someone used my information. I provided all the information that is needed her. An now on Equifax its showing that there was a payment made on XX/XX/22 when I never made a payment to this account. And on XXXX it shows that there is a missed payment on XX/XX/22. How is this information accurate? 


All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2023-01-01
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. (FL)

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXXnquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX- - ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXXXXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX  No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - Thank you
Consumer complaint received 2022-07-24
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: CLGF Holdco 1, LLC (MI)

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 a account without my written instructions. 

DATE XXXX XXXX XXXX  AMOUNT {$500.00}
Consumer complaint received 2022-06-15
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. (AL)

IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (IN)

Caine and Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-06-15
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. (AL)

IN ACCORDANCES WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 


15 U.S.C1681 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.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (IL)

i missed 3 payments called to notify the lender CNAC that i was in a accident and iam on leave from my employer they stated is there anyone else you can barrow to make a payment you are 40 days behind i said iam aware of that and you guys are not calling me you are calling and harrassing my references non stop and that is against the law in XXXX when it comes to any type of collection the CNAC STATED to me that if i do not make a payment of XXXX my car will be repossed i stated i informed you guys a while back made you aware of my situation you stated i have exhausted all the assistance you can provide and ask me to make a payment now i asked to refresh me on the contract that i agreed to and stated what help and or assistance CNAC provided my account with i was told that is confidential i did make a payemt of XXXX and made arrangements for the XXXX my payment schedule is XXXX every 2 weeks i did let them know 3 times i am on emergency medical leave due to a car accident and i need to defer these payments to the end of the loan while i heal and get my medical treatment i then was asked cant your employer barrow you the monies i said excuse me no i stated i do not now iam going to recieve a income pending the doctors evualuation and reccommendations i was put on FMLA LEAVE for 3odays pending my follow up now ineed injections and possibly surgery CNAC calls non stop wont assist and harrasses to repo my car
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

The alleged debts Portfolio Recovery Services claim are owed are over XXXX years old and beyond the statute of limitations provided under the Fair Credit Reporting Act. The company fraudulently misrepresents alleged debts are legally owed and must be paid in order to try and coerce a promise of payment.
Consumer complaint received 2023-03-02
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. (SC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

This " XXXX XXXX '' electric bill originated in XX/XX/XXXX. The supposed current balance is {$560.00}. The statute of limitations in Michigan is 6 years. I have been directed to several companies, and no one has produced any paperwork. XXXX  has already approved the dispute and has removed it from my Credit Report. I am just hoping this will encourage XXXX and XXXX to follow suit. For approximately 6 years, I never received any correspondence for this account, nor any calls. This item popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing, this item should be removed from all XXXX of my credit reports. Due to the time sensitivity, I am hoping that this will expedite the removal process from the other 2 credit bureaus, XXXX and XXXX. Once again, XXXX has already deleted the item. Please help.
Consumer complaint received 2017-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

On XXXX XXXX, 2017, I mailed a letter to Equifax, demanding proof of certification of permissible purpose for multiple inquiries on my credit file, pursuant to FCRA 609 ( 15 U.S.C. 1681b ). Equifax did not send me the information demanded, instead treating the matter as a standard dispute, complete with their standard response that inquiries are a matter of factual record. I have, in the past, sent Equifax documentation showing that several of these creditors in fact did not have permissible purpose, yet they refuse to remove the inquiries from my credit file. I have also filed previous complaints with the CFPB, but there has been no resolution, other than the CRAs involved responding with the same " cookie cutter '' response, and the CFPB considering the matter closed. This most recent incident is a clear case of willful non-compliance with the Fair Credit Reporting Act, and I would like to see some form of enforcement.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX XXXX -- Use of credit card issued by Bank of America was denied by merchant although card was current in payments. Call to BOA customer service who informed me that I am deceased, and provided number to BOA estate unit. I have two BOA credit cards, and since it is a separate customer service number I called it, was given the same information except was told that the estate unit does not have a direct line ( WRONG ). 
XX/XX/ -- called the estate unit, asked who reported my death and could receive no answer to that question. Was told that BOA does not need a death certificate to verify the report. Was told that credit to the cards would be restored in 45 minutes ( WRONG ). Several hours later I attempted to use one of the cards, it was refused, called customer service again and after a long time on hold was informed that it takes 24 hours to restore credit. 
XXXX XXXX XXXX -- BOA mailed out condolences on my passing. Although dated XX/XX/XXXX on the letter, postmark on the envelope was XX/XX/XXXX. Letter attached. 
XX/XX/XXXX -- received letter from BOA dated XX/XX/XXXX, apologizing for the error, and saying to call if I have any questions. I asked the following questions to the BOA representative XXXX : 1 ) BOA has my phone number and my email address. Why did noone from BOA attempt to verify my demise? 2 )  Who reported my death to BOA? 3 ) Which consumer reporting agencies did BOA contact? XXXX had no answers, I asked to talk to his supervisor, and he said " You can talk to my supervisor, my supervisor 's supervisor, and my supervisor 's supervisor 's supervisor and they can not answer your questions. 
XX/XX/XXXX-- I went online to BOA to pay the bills on the two credit cards, was denied access to do so, had to contact customer service to correct the problem because BOA never cleared electronic access.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I have never received notification from this company that I owed this really old debt that was previously charged off by XXXX over 9 years ago. I initially informed XXXX back in 2015 that this debt was charged baby my ex husband without permission and was fraud. This company has now purchased this old charged off fraudulent debt from XXXX which was purchased by XXXX and now placing this fraudulent debt into collections to damage my credit for another XXXX years. This should be removed from my credit bureau.
Consumer complaint received 2022-06-18
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. (PA)

In accordance with the Fair Credit Reporting act Dept Of EducationXXXX ( All Accounts ) 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