davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past 3 weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Consumer complaint received 2021-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have had trouble getting a dispute through to Experian, involving a collection account on my credit bureau report that is inaccurate/not mine. Despite three attempts to get my dispute through to Experian via the CFPB, my disputes have been returned " duplicate '' disputes. This may be because I had already attempted to resolve the matter directly with Experian - to no acceptable result.
The matter involves an open collection account on my Experian bureau credit report - for XXXX XXXX - that represents a collection for a credit card I never opened or owned.
I have disputed this matter with credit bureaus XXXX and XXXX. They both have removed the XXXX XXXX collection account from my report, as their investigations found that the account is not mine. I am asking that Experian do the same.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2023-01-29
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. (NC)

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (PA)

I emailed Experian by certified mail twice in early XXXX, 2022 and twice in XXXX, 2022. THAT IS A TOTAL OF 4 TIMES EXPERIAN HAS FAILED TO RESPOND within 30 days. That is illegal and by law all false accounts must be removed. Experian DID NOT RESPOND TO ME 4 TIMES. See enclosures as evidence. 

XXXX XXXX  NOT MY ACCOUNT XXXX XXXX XXXX  NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX- NOT MY ACCOUNT EXPERIAN IS LYING WHEN THEY SAID THEY VERIFIED THINGS PREVIOUSLY BECAUSE I HAVE EVIDENCE, they don't have my proper name : XXXX XXXX ( no middle name ) and are calling me " XXXX XXXX ''. THEY DO NOT VERIFY ACCOUNTS. THEY LIE ABOUT IT. THEY DO NOT RESPOND IN 30 DAYS. By law these false accounts must be removed. 

They ignore me repeatedly which is illegal. THEY HAVE BROKEN THE LAW SEVERAL TIMES BY NOT RESPONDING. THIS FALSE ACCOUNTS HAVE TO GO!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Paid this account in full and it's mentioned that once payment is complete and paid in full that it would be removed from all credit bureaus. I will have a screenshot of where it says this on the https : XXXX, screenshot of my bank account where I paid it to collection agency XXXX XXXX, and the original document stating how much I owe with all my information. Please as I am in the process of purchasing a home and this is hurting the process. 

XXXX : XXXX / XXXX / {$820.00}
Consumer complaint received 2021-04-27
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. (CA)

I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.
Consumer complaint received 2020-05-07
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. (AR)

For some reason Experian continues to dishonor my Identity Theft Report by allowing the continuance of fraudulent account reporting. I recently sent Experian a Police Report which included accounts XXXX XXXX XXXX XXXX XXXX which both are accounts I never opened, established, or received any goods or services from. I received a letter from Experian this week stating unless I provide new information they would not investigate my dispute. I find this reply to be discriminatory or unethical for a consumer reporting agency whom uses only automated verification procedures simply ignore or deny TWO LEGAL OFFICAL LAW ENFORCEMENT reports. Under the Fair Credit Reporting Act my rights have been violated and continue to be while this fraudulent accounts still remain on my credit file. XXXX and XXXX  both have removed the accounts in question so I don't understand why Experian won't adhere to FCRA.
Consumer complaint received 2020-11-13
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

I keep receiving debt collection notices from XXXX XXXX XXXX for items that were paid. I even paid for two items twice. I called numerous times and send in my payment information. I received a notice back thanking me for doing the work to look up payments but that I still owed the money!! This is fraud
Consumer complaint received 2021-08-11
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: Resurgent Capital Services L.P. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
Consumer complaint received 2021-04-27
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. (CA)

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: LAKE MICHIGAN CREDIT UNION (FL)

XXXX XXXX & XXXX XXXX ( estimator ) scammed or defraud e. They sent me a contract to perform a bath remodel. I paid a {$1100.00} deposit which was half of the job cost and then disappeared with my money. I contacted the fraud department at the bank but they refused to trace the check # XXXX or charge it back to the bank account it was deposited to. The only information I have on the company and estimator is Phone Number : XXXX Florida XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Filing Information Document Number : XXXX FEI/EIN Number : XXXX Principal Address & Mailing Address Registered Agent Name & Address XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX Authorized Person ( s ) Detail Name & Address Title MGR : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-05-07
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-11-13
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 5 months later, I have not received a response yet. I feel like Im being taken advantage of and being igored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong people.
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nickel City Group LLC (CA)

The repeated calls are from XX/XX/XXXX.at ( XXXX XXXX XXXX. The most recent robo call was received today XXXX at XXXX am. I receive at least three to four calls a week at various times of the day. The company never states who they are trying to reach. It is just a recorded message that continues to play.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

I would to file a complaint regarding a dispute issue that I have with American Express. I have a initiated a dispute with AMX after I had attempted in good faith to resolve the issue directly with the merchant. The merchant promised a refund on different occasions, yet, no credit was issued to my AMX credit card. 
I have paid for this transaction by other means and I have provided AMX with all relevant documents to proof my case. AMX dispute department ignored all the documents and did follow up with me about this dispute. Below are the information to lock up the dispute case. 

XXXX : Account ending # XXXX Dispute Received XX/XX/2019 Disputed Amount {$1300.00} Ref. No. XXXX Dispute Reason Paid directly to the establishment
Consumer complaint received 2024-01-25
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-05-07
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. (NY)

I bought at beginning of XX/XX/2019 some products in XXXX since the bill was a little high. I took the offer the same site was offering to finance with this company XXXX. Long story short, I returned products for end of XXXX ( XXXX and XXXX to be more exact ), I informed XXXX and XXXX of this. Few days after my loan for this devices already return was expiring and there is that XXXX started to send me text, phone calls, emails saying that I was responsible to paying loan no matter if I return device or not (??? ) I respond to every text, phone call and email regarding this situation and explaining how Wasnt in my hands to resolve this, since the products were with XXXX already and they were taking long time to analyze. Finally XXXX sent half of the payment, dont know why only half. But that made XXXX continue annoying me with a debt I Supposedly have, for XXXX XXXX finally sent all the amount. And XXXX finally report account as paid, but the problem is. They report this to Experian. As a Delinquency account, that after I complaint to Experian they finally recognize as paid but left unpaid historial on my report, that that only thing reduce my credit score from the 730s /740s to the 630s. I reported, but dont seems like XXXX or Experian care on cleaning this unfair situation.
Consumer complaint received 2020-05-07
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)

On XX/XX/2020 I sent According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

With Trans Union LLC has refused to properly verify accounts with Consumers that is reporting unverified account. 

They are reporting information that has hurt my ability to obtain credit. 

They refused to obtain original consumer contract with my signature on it. 

The company 's that I requested that Trans Union verify was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IA)

I sent a letter via certified mail to Barclay 's Bank, which they received on XX/XX/2020, in which I disputed ( 4 ) credit card transactions. 

Barclay 's Bank violated Reg Z by failing to process my credit card dispute within the established time periods under the law. The bank acknowledge, on a recorded phone call that they violated Reg Z by failing to respond to my dispute within 30 days. Furthermore, despite receiving my dispute letter and documentation via certified mail, they did not even create the claim even though they had my letter in their system. The representative was able to pull up a copy of the letter and see it, but could not explain why no action was taken. The rep stated that she would create a dispute case as of that day ( XX/XX/XXXX ) - but I explained that is a violation of Reg Z as the case should have been created on XX/XX/XXXX. The representative stated that it is not possible for her to " backdate '' the dispute claim and that consequently they will not be able to resolve my dispute within 60 days of XX/XX/XXXX. This is a clear violation of Reg Z.