davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (GA)

This has been going on for nearly a year now and I thought yall was here to protect me from companies like this and there practices!!!! I had 2 accounts with this company and have had them for years, all of a sudden XXXX of 2021 one of the accounts stop reporting to the credit bureaus causing my score to decline drastically, I know yall gon na say Ill filed this report against them already but now they have went a step further and the accounts are not sho at all on my reports as if I never had an account with them at all!!!! I asked for a few late pa to be removed and the entire accounts have been removed!!!!
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (KS)

I financed with ally in XX/XX/XXXX and paid of my car in XX/XX/XXXX. I have another friend who is white and has bad credit history then mine was offered less interest and lesser payments while I payed them like XXXX on interest just in XXXX months. That is ridicules. Also they gave me an interest percentage of XXXX percent on that car. After all this overcharge I refinanced with them again and due to some financial hardship I was unable to pay my installemnt XXXX month and they have this program that allows you to extend payments due to anykind of hardship if you have paid XXXX payments on time. I have paid them XXXX payments on time and should have qualified for that but they refused me probably because I am XXXX. I am very upset. They overcharged me on my first car and now they are treating me differently just because from where I am
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (WA)

I gave Quicken Loans Good Faith Money in the amount of {$500.00}. I continued to shop my loan and received a better GFE from XXXX XXXX, I gave Quicken the chance to match the GFE and they could not. Since the Good Faith money is 100 % refundable I requested a refund. Quicken loans says they cant return my deposit.
Consumer complaint received 2024-02-16
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. (NC)

Dear TransUnion After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report. 

The consumer report that was prepared under my social security number by TransUnion is reporting inaccurate information which is a violation under The Fair Credit Reporting Act.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NM)

Dear Bureau of Consumer Financial Protection, We made request to Experian for my Credit Report dated XXXX/XXXX/XXXX ... 
On XXXX/XXXX/XXXX, I received a request for proof of address and Government issue ID. 
I forwarded a copy of my Drivers License, Social Security Card, Utility Bill, Birth Certificate, more than what was required. 
XXXX XXXX, XXXX, I received a second request of the very same information Report Number XXXX ... 
This is highly irregular ... 
This report is very important to, for I 'm applying for a mortgage. 
Attached you will find the mailings with documents enclosed ... 
Thank you, XXXX XXXX
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I am currently disputing XXXX XXXX XXXX with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of Equifax months ago and I was trying to get it off of XXXX and XXXX via CFPB. Not only has XXXX XXXX XXXX not removed the account from XXXX and XXXX they actually added it back on to Equifax after it has already been deleted and the executive director of XXXX XXXX was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (CA)

I sent a letter of debt validation  on   XXXX   XXXX   XXXX   and they ignored my letter and sent me the attached letter which I received on   XXXX   XXXX   XXXX  .
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Affiliated Group, Inc (NY)

I used to have voice over internet with the carrier called XXXX now known as XXXX XXXX and about a year and a half ago I discontinued telephone service with them. However there was an incident in which I moved and in that move I lost a little box that was necessary to voice over telephone calling. The box was about the same size as a deck of cards. I contacted XXXX and explained that the little box had somehow gotten lost in the moves.They said that I owed them {$100.00} dollars for the box. I explained to XXXX that it was an honest mistake and due to me having to move twice in two months, that it was an mistake in which I had ultimately no control over the situation being that the movers were moving me and I explained that I could not afford to pay for the box and that since I was a loyal customer for four years I felt that they should have honored my reasons. I was never again contacted by XXXX. About a year later I began receiving harassing telephone calls from a collection agency stating that they represented XXXX and that they were trying to collect {$120.00}. I asked them what for and they said I owed them money for the lost box. I explained to the collection agency what the situation was and why I did not feel that I should be held responsible for a little lost box and that mistakes happen. I told them that I was filing a complaint. I recently reviewed my credit report and found that I have a collection item reported by the collection agency who supposedly was representing XXXX. I feel that this wrong being that XXXX never contacted me again nor tried to call and discuss the situation and for them to do this is really bad business after I had a legitimate and very logical reason for the issue. I would never deliberately NOT send a little box back to a company for no good reason. I think what XXXX did was wrong and I do not feel that I owe them anything. This is how XXXX treats it former loyal customer 's? I want the derogatory information that XXXX supplied to be removed from my credit report and I want the harassing phone calls to stop. I am requesting your help with this matter and please advise. Thank You. XXXX XXXX
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

I am with well fargo. And i have be hit woth 8 overdraft fees this month alone. 35 dollars each, i am a US veteran and my payment for my gi bill and books had came in 11 days late. This caused a multiple of small transaction such as XXXX, XXXX etc. I had contacted wells fargo and tried to explain what happened to see if they could reverse some of the fees and they only credited me XXXX dollars. This caused me to nnot pay my rent and i am still negative XXXX dollars
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (CA)

i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS!
Consumer complaint received 2022-09-07
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: NAVY FEDERAL CREDIT UNION (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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.

10.6
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

I attach a letter with specific details about my file. Essentially, Citibank NA appears to have closed a checking account with an account balance of close to USD 1,000 balance. 

Repeated written requests for information have gone unanswered. This is unacceptable corporate behaviour. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

Issues regarding my complaint with Experians ' reinvestigation policy. I 'm disputing XXXX inaccurate names and XXXX inaccurate address reporting on my file. See attached documents for detailed information. 
Experian was notified in writing via my disputes regarding the inaccurate personal information on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Clearly Experian has had several opportunities to remove the inaccurate information. They failed to reinvestigate and remove the disputed inaccurate items within the 30 days as required by the FCRA. 

Experian fails the FCRA on these counts when disputing personal information. 
1 ) No reinvestigation, they are only comparing disputed information to what was reported in the past. 
2 ) They are not notating the personal information as disputed by the consumer. 
3 ) The personal item disputed must be reinvestigated by the credit bureau if notified ... period. There is no negotiation or justification or reason that the credit bureau gets to use to avoid processing the dispute. The FCRA is completely clear on this point. 
The FCRA does not say to contact the furnisher it clearly states to contact the credit bureau. They state that the address I questioned is a part of my credit history, it can only be a part of my credit history if it 's accurate, verifiable and not obsolete. I 've clearly provided documentation that shows that it 's not. 
Simply stating that the information was provided by a furnisher is not a reinvestigation. Experian 's policy is that if personal information found on the header of a consumers file was reported by a furnisher that the information is forever tied to the creditor 's listing. 
Experians ' printed explanation of why they report inaccurate information is not acceptable. They state " ... which may result in variations of your names, address, social security ... '' " XXXX or more sources of information reported the address you questioned and it is a part of your credit history ''. Absolutely unacceptable disregard for maintaining an accurate credit file. I do not have these issues on my other XXXX credit bureaus, they cleaned up my inaccurate personal information without delay ; only Experian does this and when they retain this inaccurate information they pass it forward to other creditors who look at my credit file and continue to disseminate an inaccurate version of my personal information which when applying for a mortgage or a classified job I must sign acceptance that these AKA 's are mine when they are NOT!
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

My mortgage company reported the wrong information ( said my balance went up to {$97000.00}, almost {$2500.00} higher than it is ) and when I disputed the information they told the credit bureau the information was correct.
Consumer complaint received 2023-04-16
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. (MO)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2019-02-28
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. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Approximately around XX/XX/2017 I've been noticing addresses appearing on my credit report thats not mine, I asked by written request that the credit reporting agencies delete them, these addresses do not belong to me nor do I use any of them. Its been 6 years and they continue to be showing up on my credit report.
Consumer complaint received 2017-05-28
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. (NV)

I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in XX/XX/XXXX 7 ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX  for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC (TN)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I contacted my bank over 5 times trying to describe the issues I faced and hard time stoping payments after losing my job due to covid. I also noticed that the bank had changed me a XXXX $ overdraft/return check fee for the same charge. Rather then investigating they provided me a screen shot of the times they had waved a fee. Im a customer of over 10 years and being charged over 250 $ in fees in one month and some being duplicated is not fair and I believe this banks practices have crossed several lines. Im referring to all fees from XX/XX/22 to XX/XX/22
Consumer complaint received 2021-08-11
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: BARCLAYS BANK DELAWARE (FL)

This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX ( Social Security Number ) Complaint Against Regions Bank I, XXXX open up an account with this bank on or about XX/XX/2017 and was promised a promotion of {$400.00} by bank rep XXXX and now the bank seems as if it does not want to give me the promotion I did everything the bank told me to do.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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