davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (NY)

On XX/XX/2023 someone try to fraudulently attain a personal loan in my name from XXXX XXXX institution, They did not get through. However, their actions left an hard inquiry on my XXXX and Equifax credit reports. I tried to rectify the matter XXXX however, was unsuccessful.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (GA)

I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a Prosper Marketplace Loan. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to XXXX monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 to 60 days past due on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Monday, XX/XX/2018 I called Ditech to address a letter sent by Ditech. Ditech claimed that my payment was late when in fact all payment is on time and in excess of the monthly amount due. Ditech is collecting the extra money paid each month and applying it towards principle rather that applying towards the amount that fluctuated. 
Ditech disconnected the phone call twice.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I urge you to review the attached documents. I want the bureau to begin an investigation into these accounts, as I have never missed a payment on them, but they are inaccurately listed as late.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UMB FINANCIAL CORPORATION (MO)

UMB of XXXX XXXX has extended the length of time to do bill pay from accounts and now has refused to make any medication to the problem. All of the problem phone lines say this is a problem and it will be solved ( 2 days ago ). in the mean time I have monthly bills not being paid and having to pay with a 2nd form of payment other then UMB. The usual time for bill pay is 3 days it has now been 7. Is this bank going out of business should I withdraw all of my money before I lose it.. 

Thanks for any help. 
XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (KY)

I received a phone call from First Nat'l Bank of Omaha about a XXXX XXXX credit card that had been applied for in my name on XXXX. When I called them, they told me that the card had over {$1000.00} charged on it. I was told by the gentlemen in the fraud department that I would not have to worry about the fraudulent charges and that info would be sent to me in the mail.
Consumer complaint received 2023-03-29
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)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I purchased a car with XXXX XXXX XXXX in XXXX. The Car was repossessed during my divorce proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified all XXXX credit bureaus multiple time on the reporting of an alleged bankruptcy on my personal credit reports. 
In these letters. I provided a notarized Affidavit filed with the bankruptcy court in the state of Florida notifying them of their violation of state and federal law by providing my private information. 
I also provided a letter from the courts stating that they do not provide any filings to credit agencies. 
I also provided a testimony that I had not authorized or given consent to anyone to access my private and confidential records. 
Since these agencies did not receive this information from the courts and I myself have never given these agencies permission to report any of my personal and confidential information I demand that the alleged bankruptcy be removed from all credit reports. 
Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 a,4, Congress states that there is a need to report that credit reporting agencies exercise there grave responsibility to fairness, impartiality, and respect for the consumer 's rights to privacy.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX XXXX XXXX gave me a loan for my 2016 XXXX XXXX. The car was originally a little over XXXX $ and I am paying XXXX $ with interest all because my credit isnt the greatest
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XX/XX/XXXX XX/XX/XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : Experian : XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX: XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX ( sent XX/XX/18 ) XX/XX/XXXX: XX/XX/XXXX ( sent 6/22/18 ) XX/XX/XXXX ( senXX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-04-05
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. (TX)

As a natural person with rights under 15 USC 1681, I would like to file a formal complaint regarding the following items on my credit report that are in violation of the Fair Credit Reporting Act and my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681 and have repeatedly violated my rights. I demand that the accounts listed below be immediately deleted from my report in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), which prohibits creditors from failing to reflect a payment made by the obligor or a credit issued to the obligor, and from making a computation error or similar error of an accounting nature on a statement. Since the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, as this is clearly a billing error. The account listed below should be updated as agreed on my consumer report. 

XXXX XXXX Account # XXXX If these accounts are not updated immediately, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Furthermore, I did not authorize the following companies to access or pull my credit report. These inquiries are fraudulent, and I demand that they be removed immediately : XXXX  XXXX XXXX XXXX XXXX, XXXX FL , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE.THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX reported incorrect information to XXXX XXXX which resulted in denial of my application for housing. Ive attempted to reach out to this company, but have received no response ( violation of FCRA - file disclosure ). The adverse action letter provided by XXXX XXXX advises that they received their information from a third party credit reporting agency ( XXXX ), who claims to use Trans Union as the source of their information. I was denied for derogatory past/present obligations, but havent had a late payment in almost 5 years. Additionally, I have 100 % payment history and NO DEROGATORY CREDIT WHATSOEVER! I also have NO evictions, bankruptcy, public judgments. So Im unsure where they actually got their information from because Trans Union has no such information. XXXX XXXX also claimed to have thoroughly reviewed the information, but left the Trans Union credit score and date of credit score blank ( which is another violation of the FCRA/Dodd Frank Act ). This company and their constituents HAVE NOT provided any information to have the issue resolved properly and have caused me damages as a result. 

The other issue Im having is the fact that I feel Ive been racially profiled and discriminated against which resulted in a premature denial for housing as the requirements of the XXXX XXXX ( help to buy a new home ) are all met by me and should have been approved. I pointed this out to them per the information on their website and they responded ( again with the same notice that points to violation of FCRA/Dodd Frank Act. As such, I will also be filing a formal complaint and requesting investigation and damages for violating the Fair Housing Act.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

My Mortgage was purchased by Specialized Loan Servicing. I pay by check every month so I have record of my payment. On XX/XX/2020, my check for XXXX cleared my bank. I have record that it was taken from my account by Specialized Loan Servicing. 
They claim they did not receive payment. My wife and I faxed them our bank statement that shows the electronically cashed our check. 
We have called in XXXX and XXXX. The representatives have not helped and just say they will open a report to try to find where our payment was sent. They have been rude and unhelpful. 
Our credit scores have dropped 80 points because they are showing a delinquent payment, yet it was on time.
Consumer complaint received 2023-03-25
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. (LA)

I sent a letter on XX/XX/2022 to XXXX.however the credit bureau claims they completed the investigation and everything was accurate. 
According to the law 15 U.S. 1681a definition rules construction.the term investigate consumer report.means a consumer report or portion there for in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.with neighbors and Friends or associates of the consumer report on or with others with whom he is acquainted or who may hav knowledge concerning any such items of information.how ever such information shall not include specific factual information on a consumer credit report obtained directly from a creditor or directly from a creditor of the consumer reporting agency.I would lik to kno who did they talk to.and how did they complete the investigation please.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (IN)

On XX/XX/XXXX I received a check in the amount of ) XXXX. XXXX from Citibank. The letter that they attached to my last complaint said that I had money owed in accounts that were overdrawn. I filed bankruptcy on XX/XX/XXXX XXXX2020 from which I included all accounts and Citibank was notified. Citibank was also included in the bankruptcy meeting in which they failed to come. Now they want to claim I owe them money. I will attach my bankruptcy petition and discharge. My bankruptcy was discharged on XXXX/XXXX/2020. Citibank never said that I owed them any money. I have emails from them stating those accounts were at a XXXX balance. Please return my funds because this is fraud
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax Credit Reporting for their inaccurate and fraudulently reporting of the XXXX XXXX XXXX XXXX  ( XXXX  ) account number : XXXX XXXX. The information being reported by Equifax Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Equifax Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are also reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized to report these addresses to Equifax Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Equifax Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit. 

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Equifax Credit Reporting has reported my XXXX  XXXXXXXX XXXX XXXX ( XXXX  ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Equifax Credit Reporting. According to 15 USC 1681s-2, 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. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Equifax Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX  ( XXXX  ) account and remove freeze alert. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Equifax Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-25
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.