davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (TX)

Oliphant received my first complaint with no remedy other than they're willing to work with me. There was no mention of inaccurate and expired information submitted to XXXX and how they plan to resolve it. 

Below is an excerpt of their previous response : Please allow this correspondence to serve as the formal response for Oliphant Financial , LLC ( Oliphant ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. Oliphant takes these complaints very seriously and we strive to ensure that we conduct business in a legal, professional, and courteous manner. Upon receiving the Consumer Financial Protection Bureau complaint, Oliphant immediately requested that the account be restricted, and the account details reviewed as they pertain to the allegations of the complaint.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (AZ)

U.S. Bank run a {$500.00} welcome bonus for opening new checking account by XXXX XX/XX/XXXX and have qualified direct deposit of {$6000.00} during the first 60 days. Here is the detail of the promotion https : XXXX But after I fulfilled my requirements on direct deposit, I have not seen my bonus to be credited. When I contacted CS through Live agent chat, the XXXX agent refuse to credit my bonus. I was told that even though I met all requirements of apply promo code and direct deposit amount, their system showed that the account was opened on XXXX XX/XX/XXXX. This is not verified as I completed all the step to open my account and received U.S. Bank 's notification email mentioning that the checking account number was ready and deposit transaction was successful all on XXXX XX/XX/XXXX. These emails was attached with this complaint. 
I was not convinced by what they said, because I got the email from U.S.Bank about successful account opening on XXXX XX/XX/XXXX not on XXXX XX/XX/XXXX. If the code was expired, it should have notified me right on when I applied it. But everything went through as they still it the promo code attaching to my profile currently. The date of XXXX XX/XX/XXXX they are seeing on the system could be the date of first deposit showing up, but it should not be the account opening date.
Consumer complaint received 2023-06-15
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XX/XX/year>
Consumer complaint received 2018-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NC)

XX/XX/XXXX I purchased my current home from the HOA for XXXX. I moved into the home XX/XX/XXXX. There were code violation that we manually fixed. In XX/XX/XXXX I attempted to put my home on the market and when doing the title search and trying to find what the payoff truly was it lead us to XXXX XXXX that has stated they do not have any info on this house. There were no letters being sent showing the current mortgage company attempting to collect. No foreclosure or default notices from XX/XX/XXXX all the way to XX/XX/XXXX and before I bought the house it was sitting vacant for a year. Somehow the realtor I was working with found that Nationstar Mortgage was servicing the loan since the original company XXXX XXXX  had shut down in XX/XX/XXXX. The last assignment shown was XXXX XXXX. After talking to Nationstar we found out there were not any payments made since the origination of the loan in XX/XX/XXXX. I decided not to sale seeing the profit was not gon na be what I had planned. After this nationstar tried to collect from the previous owner since the loan was still in his name though I had deed on the house. the bottom line is they trying to foreclose on my home without proper proof of validation of a real instrument of Debt. They are acting on behalf of XXXX XXXX that has nothing to do with my home. I sent a letter for proof of a real debt. They responded to me saying they received my correspondence and will respond by XX/XX/XXXX. The sale date for auction on my home is XX/XX/XXXX. This matter is not cleared up and still being investigated. I am confused how they can sale my home without proper proof and while it is still being investigated.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I am not sure what is going on but my credit score dropped XXXX  points due to detecting a new account ( XXXX XXXX  ) and the name of a credit changing XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ) My score went from XXXX to XXXX due to this change. How does changing a name and opening a new account make my credit score drop XXXX points. The practices by this agency are unethical and problematic for me.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I entered into a settlement agreement with Bank of America to make a payment of {$350.00} to settle my charged off Bank of America credit card and show as settled 'in full ' for less than full balance. I made a payment on XX/XX/ and received confirmation XXXX XXXXXXXX  After reviewing my consumer credit report I see that they posted the amount paid, however there is still a balance showing. The purpose of settling the account with them was to show as settled in full with a {$0.00} balance. According to Bank of America they will not reflect a XXXX balance. I feel as if they did a 'bait and switch '. I was never notified that there would still be a balance showing on my credit report. When I entered into the agreement with the agent it was with the understanding that I was settling the credit card account out for less than the full balance to reflect, but the purpose of the settlement was to reflect a {$0.00} balance on my consumer credit report. When I spoke to Bank of America they continue to use verbiage regarding their disclosure statement as a way to cover up their mishandling of the account. Not once in their disclosure does it state that a balance would still reflect on my credit report. I feel as if they lured me into a settlement agreement under false pretense in order to collect a payment on the balance however their actions appear to be fraudulent. I would like for my credit report to be updated to reflect a {$0.00} balance.
Consumer complaint received 2024-04-18
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX U.S.C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX AND XXXX XXXX ) Account # : XXXX has violated my rights. DEBT AMOUNT {$880.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights DEBT AMOUNT {$960.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights DEBT AMOUNT {$790.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX  ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX OF XXXX ( Auto ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX Miscellaneous ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Section XXXX A. XXXX I have the rights to privacy. XXXX XXXX XXXX Section XXXX A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-05-03
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. (IN)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00}
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2024-01-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The account in question has been inaccurately marked with late payment dates, and it is essential that this misinformation is promptly removed from my credit report. Other reputable credit reporting agencies have been able to promptly update their reports based on the accurate information provided, leaving me bewildered as to why your bureau remains obstinate in perpetuating this error. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist that you take immediate action to remove the inaccurate reporting of late payments and update the account information to reflect the accurate details. This is not only my right as a consumer but also a fundamental obligation on the part of your bureau to ensure fair and accurate credit reporting.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
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. (GA)

I am writing to file a formal dispute regarding inaccurate information that appears on my credit report. I have reviewed my credit report and identified several accounts that are reporting inaccurately, which is negatively impacting my credit score and financial standing.