davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NM)

In XXXX of 2022 I got a loan from One Main Financial. The next month I canceled the insurance policy that they said I needed to buy and forced on me for {$500.00} and got check for {$470.00}. Now my payments would have been smaller had I not got this but my payments have stayed the same and kept accruing interest for the full length of the loan. I would like to be included in the One Main Financial lawsuit, ,I believe that I was bullied into this insurance and have been paying it all this time. I want to go back to the begining and have this loan never exist and the full price for my vehicle that was taken from ; me and I got {$0.00} dollars for it on my loan.My credit had been damaged because of them.
Consumer complaint received 2024-02-17
Product: Credit reporting 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. (GA)

I have filed a fraud alert because my credit card was fraudulently used. However, I see unauthorized inquiries on my credit report. 

These inquiries include : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX )
Consumer complaint received 2024-02-18
Product: Credit reporting 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. (RI)

XXXX  report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I, XXXX XXXX XXXX, was denied an extension of credit by Bank of America for the and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a XXXX XXXX Credit Card. In good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Bank of America by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Bank of America resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO EXPERIAN XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc. (TX)

I recently noticed this past XXXX of 2022 that I had a collection from this company however I did not open this account or have any knowledge of it. I contacted grain customer service support and the representative told me it was marked for deletion from the credit bureaus. However it still appeared on my credit report and I filed a dispute through XXXX and they said the information was accurate although this customer support representative told me it would not be on my credit report. I dont even know the login into this account or what information is uploaded to it. I have no received any kinds of letters in the mail with any information about this account.
Consumer complaint received 2020-07-07
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. (FL)

I HAVE ENROLLED INTO THE FORBEARANCE PLAN DUE TO THE CURRENT PANDEMIA SITUATION. THE AGREEMENT SPECIFIES THAT THE MONTHS OF XXXX, XXXX AND XXXX WILL NOT BE REPORTED DELINQUENT. 
XXXX XXXX XXXX XXXX MORTGAGE  FAILED AND REPORTED ALL THESE MONTHS LATE AND PLAN ON DOING THE SAME FOR THE FOLLOWING MONTHS ( XXXX ) AND THEY CLEARLY SAID I WILL BE ENROLLED AND BE HELPED BECAUSE OF COVID-19. 
THIS IS AFFECTING MY HEALTH IMMENSELY, SO XXXX, SO MUCH FRUSTRATION, I WANT TO XXXX XXXX
Consumer complaint received 2020-12-06
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. (GA)

Submitted a dispute XX/XX/2020 to Equifax that public record chapter XXXX bankruptcy should not be reported on credit report. I provided proof that public record chapter XXXX bankruptcy was deleted from XXXX consumer report dated XX/XX/2020. How is it that Equifax submits investigation results on XX/XX/2020 claiming that XXXX furnished them information about chapter XXXX bankruptcy when it was deleted? How is this public record verified when I have shown proof that the record was deleted. Also, courts do not furnish third-parties and vendors public records because that would require my full social security number to be given which is against the law. Equifax did not do a proper investigation and pencil whipped this investigation. I have submitted proof.
Consumer complaint received 2016-12-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Home Equity Loan Account that has been Reported as Charged off, but the Bank has filed a Certificate of Satisfaction with the Deeds of Record in response to a law suit filed XX/XX/XXXX, I had XXXX before the Complaint was heard and had n't been made aware of the Document filed until it was brought to my attention during or after an Adjudication of my Security Clearance with DoD while I was XXXX in XXXX in XXXX. This has been reported adversely since XX/XX/XXXX and the balance was paid since XX/XX/XXXX, I was sent a Waiver for this XXXX account on XX/XX/XXXX, but it was sent the property address in XXXX North Carolina, and I never received it. I am not going to sign any waiver for this XXXX account, because I have been trying to get the SCRA Violations resolved for almost 10 years now, so I do n't know why Bank of America has suddenly decided to send me this waiver for a Settlement with the DOJ on XX/XX/XXXX. I was n't able to proceed in the Court case, because on XX/XX/XXXX I was issued Mobilization Orders to XXXX to XXXX and was n't apart of any of the DOJ cases for SCRA, but have been dealing with the backlash ever since. I have had to document every account filed adversely for the past 10 years as part of the Adjudication for my ability to maintain my Security Clearance, but now the issue is why I have n't been apart of the DOJ Settlements involving my accounts ... I had n't contacting the DOJ and they have n't been in contact with me, until recently ... but I simply want the adverse information removed permanently and a written response from Bank of America stating that it has been removed.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account was fraudulently withdrawn from over 5 times for a transaction amount of XXXX $ each time. The bank canceled out my card because of this activity, and even told me I was experiencing fraud on my account. Yet, now my account is XXXX in the negative, worse situation than I would've been in if I wouldn't have ever called to let them know the suspicious activity that was going on on my account. This is not fair to me or my family at a time like this. Bank of America 's representatives even tried to accuse me of the fraudulent activity. My account has been tampered with ever since the pandemic. This is really not fair to me. And I will be hiring a lawyer to subpoena the owner of that ATM, because I need to get to the bottom of this and be REIMBURSED for the changes I have been taken through! I should not have to suffer from the bad end of this, when none of this is my doing or my fault.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (MA)

Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want. 

They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated. 

Please let me know what I can do for this collection agency to have it removed. Thank you! 

Sincerely, XXXX XXXXXXXXXXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Was informed that opening a line of credit with XXXX XXXX would be a soft inquiry and not a hard inquiry. When I informed the manager, XXXX, he misinformed me and it was a had inquiry, he was rude. I told him that the card needs to be cancelled and he said your credit will eventually go back up. I have reached out to the company and they referred me to TransUnion.
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation (SC)

On XX/XX/XXXX I XXXX XXXX contacted Receivables management corp about unconsented and fraudulent information that's being reported on my credit reports with XXXX, XXXX and XXXX. After I requested verification of the alleged debt a representative refused to send me any documentation. I am a victim of Identity theft and this information that is being reported to XXXX, XXXX  and XXXX  was unconsented and is a result of identity theft. Receivables management corp has violated my right to privacy pursuant to 15 USC 1692d ( 1 ) and 1681a ( 4 ) and I did so without my consent pursuant to 15 USC 1681b ( a ) ( 2 ) and has damaged my reputation and defamed my character. I have filed and Identity theft report with FTC in this matter. I have also sent an affidavit of truth stating the facts and citing all violations that were done with attached exhibits signed and notarized under the penalty of perjury, a cease and desist demanding they do not contact me through any and all mediums pursuant to 15 USC 1692c. ( C ) along with invoking my specified remedy as a consumer and original creditor pursuant to 15 USC 1692c. ( C ), a debt validation letter and an invoice for the 17 federally protected consumer rights that were violated under 15 USC 1692, 15 USC 1681, 15 USC 6802 and for actual damages of reputation and defamation of character sent via certified mail on XX/XX/XXXX.
Consumer complaint received 2022-08-14
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. (OK)

My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the XXXX credit bureaus to dispute the in accurate information to no avail. XXXX asking you to help me get my life back. 

XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX {$500.00} XXXXXXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX {$9900.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}
Consumer complaint received 2022-08-06
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$13000.00}
Consumer complaint received 2020-09-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX   Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Consumer complaint received 2021-02-23
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. (MI)

I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the XXXX. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Consumer complaint received 2021-02-23
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. (MI)

I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the XXXX. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.
Consumer complaint received 2024-02-13
Product: Credit reporting 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)

I recently checked my credit report, and I noticed that there is inquiries that it's not authorized by me. Those inquiries show on my credit report by somebody who has my information and try to open up a credit cards. 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 2022-08-14
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. (AR)

I would like to state that Equifax, XXXX, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax, XXXX, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I pulled my credit report and noticed that there are items that are not right.I saw inquiries on my credit report, and need to remove them because they are inaccurate, incomplete or unverifiable : I never applied for credit with this company, pl I want my credit report to be accurate and by law they need to removed because the accounts are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.