davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

I applied and was pre-approved for a Manufactured Home Loan on ( XX/XX/2019 ) later it was denied. The irony of it is that the first decision was supposedly based on credit history, but the questions that were asked to me by the officers/processors were related to age and somewhat about credit and work history. Another irony is that I proposed a 22 % down payment. The lady was very eager to ask for money to conduct the appraisal, processing, etc. Later she denied it. She even was reluctant to talk to me by phone and did not answer my calls and messages. 
I feel that Vanderbilt is violating the Fair Credit Practices in terms of Housing and Fair credit in terms of personal loans and/or credit cards. The reason is that the lady used other factor than the capacity to repay the loan. The factor that she used was two-fold : age, and national origin. I also believe that the decision was not fair and was solely based on age and national origin or race. It means that Vanderbilt is trying to make America XXXX  and Young Again. Please, consider this a formal complaint and be aware that I am seriously considering 1. File a Formal complaint with HUD Office of the Inspector General and the Consumer Protection Agency, 2. Develop a blog to let other people know about these practices.
Consumer complaint received 2017-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I 'm Up to date on all taxes however I have been contacted by my loan servicer collections department asking for evidence of my assessment bill and have spent time downloading my tax bill ( Perhaps they can not do the same ) and sending it in good faith via U/S mail only to come home today to receive another request from the same department my concern is the reputation of loan servers with past mass fraud I wanted to bring this incident to your attention I will not a victim of there fraud.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2019-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-01-31
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: Experian Information Solutions Inc. (FL)

I have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My credit card had charges that were not mine and I refused to pay them. Capital One investigated the charges and found they were not mine and they removed them. When I refused to pay the charges Capital One assessed interest and late fees and reported my account as delinquent. They refuse to remove the interest and late charges and return my credit balance ; they also refuse to correct the delinquency rating on my credit report.
Consumer complaint received 2019-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Grant Mercantile Agency (CA)

On XX/XX/2019 I was hit with a collection on my credit report. I called the phone number associated with the debt and realized it's the same number that's been calling and harassing me with legal action.

They even tried to trick me into giving them certain info for them to use against me in court and after all that, they still never told me what the collection was for. 

They even told me they have certain records they could pull that'll give them the upper hand in court. 

They're still calling, now from multiple numbers ( which I have to answer sometimes since I work from my phone.
Consumer complaint received 2019-01-31
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. (MO)

I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX  XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-05-31
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. (NC)

XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Re : This is not your typical disagreement. Act right away since you are in violation. 
FCRA Sections 616 and 617 : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES Accept my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to reach a settlement without going to court about your continuous violation of the Fair Credit Reporting Act by refusing to remove INCORRECT, UNVERIFIABLE, and INVALID information from my consumer file. If the INACCURATE, UNVERIFIABLE, and INVALIDATE articles described below are not removed right away, I intend to file a lawsuit in accordance with the FCRA to seek relief and recover any financial damages I may be entitled to under Sections 616 and 617. A duplicate of this letter was given to you, along with some inaccurate, mistaken items.
Consumer complaint received 2024-03-07
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. (FL)

I was checking my credit report the other day I've noticed I got XXXX fraudulent inquires on my credit report I contacted Equifax they told me to get in touch with the creditors I've contacted them they said they don't have any of my information on file I called and made disputes to their web site they still haven't removed
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-11-11
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00}XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2200.00} XXXX XX/XX/XXXX, XXXX. 
XXXX {$470.00} XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS XXXX  {$350.00} DEPT OF VETERANS AFFAIRS XXXX {$120.00} DEPT OF VETERANS AFFAIRS XXXX {$470.00} -XX/XX/XXXX XXXX XXXX {$2000.00} -XX/XX/XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX {$390.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3500.00} XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-07-29
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. (IA)

There are several accounts that are on my credit report that don't belong to me, I have replaced my ID, disputed these transactions with the company and if its not resolved this time I will be filing a police report. the accounts that are not mine and need to be removed are listed below. XXXX XXXX/XXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX, XXXX XXXX XXXX : Balance XXXX XXXX XXXX balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX and XXXX. XXXX XXXX XXXX XXXX : balance XXXX. XXXX XXXXXXXX XXXX : balance XXXX. XXXX XXXX : balance XXXX. XXXX XXXX XXXX : balance XXXX.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (WA)

On XX/XX/XXXX we ordered BY MAIL one item, a " XX/XX/XXXX Space Saver All-On-One Washington & Federal Labor Law '' poster. The vendor 's order sheet was used and showed a purchase of one poster for a total of {$10.00}. A parish check was enclosed in full payment. In addition to the one ordered item, XXXX XXXX , XXXX shipped us a number of UNORDERED ITEMS via public carrier and then proceeded to bill us for them in the amount of {$210.00} ( Their Invoice # XXXX XXXX XXXX XX/XX/XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX, XXXX a letter by Certified Mail denying XXXX XXXX 's claim of {$210.00} for unsolicited items never ordered by us nor chargeable to us per 39 US Code Paragraph 3009 " Mailing of Unordered Merchandise. '' The letter was received and signed for at XXXX XXXX   's XXXX CA address by their agent XXXX XXXX on XX/XX/XXXX per the Certified Mail Receipt postcard we received afterwards.Despite the face that we never ordered the additional items for which this parish is being billed ( and now has been sold for collection to " The Receivable Managment Services Corp. of XXXX WA ) AND the fact that we gave XXXX XXXX the opportunity to retrieve these unordered items ( as stated in our letter ), they have continued to harass us through subsequent phone calls and emails for this fraudulent claim. On XX/XX/XXXX we received a debt collection letter from " The Receivable Management Services LLC '' of XXXX ( their Ref # XXXX ) that XXXX XXXX has contracted to collect for this fraudulent debt. Furthermore, the amount due has now been raised to {$240.00}
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lendmark Financial Services (WA)

XXXX  said I had to dispute these with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ) Here are more hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Lendmark XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a pre-approved auto loan from Capital One Auto Finance in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Consumer complaint received 2021-05-31
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. (GA)

This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Siggi LLC (NV)

The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by XXXX days then twice as late by 60-89 days late. I had paid on this loan within the XXXX day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XX/XX/XXXX-XX/XX/XXXXas late for all three months, thus prompting me to believe this was in retribution. I paid this on this account XXXX  XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XX/XX/XXXXand XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XX/XX/XXXXand now, XX/XX/XXXX. I paid off my loan in full and closed the account during XX/XX/XXXX; my new loan was just establishedXX/XX/XXXX and was absolutely current for XX/XX/XXXX. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Consumer complaint received 2019-07-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

XX/XX/2019 I reached out to Loan Star Title Loan to request and a final payment agreement, and the manager explain that they would agree to wouldn't negotiate with me paying the money I borrow. They would like for me to bring into the office {$750.00} toward the loan and for me to continue with monthly payments. I've reached out on several occasion hopeful that they will agree to allow me to pay what I borrow. In regards of this matter. I reached out to thirds parties to see if I could receive help, only to find myself of having my propert destroyed do to towing companies, vandalised my lawn and flowers. XXXX Police has came out on several occasion for their hired towing companies making verbal threats. I have proof if needed.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX 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.
Consumer complaint received 2022-08-27
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: DISCOVER BANK (IN)

There are inquiries that I dont know aboutXXXX XXXX XXXX XXXX Discover Financial Ser, XXXX Discover Financial SerXXXX 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