davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

The following information was put on my credit file, XXXX sent me an alert notification. 
I logged on to see the information and Online Information Services put this on my account which is out of XXXX I have never lived in XXXX The debt collector said I would have to contact ftc.gov and fill out fraud affidavit form and send over. 

This is not my debt and I never allowed anyone to use my social security number. 

Contact info Name ONLINE INFORMATION SER Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2022 XXXX
Consumer complaint received 2023-05-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-05-23
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. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (OH)

I received a call from the phone number XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2021 from a person saying they were from US BANK offering a credit card offer that I had received in the mail. The man on the line began with some small talk about being in XXXX and talking about the weather. Feeling reassured, I consented to being recorded and to opening the card and the man on the line who had already said my full name and address asked me to state my address, birthday, cell phone number, employment status, yearly income, and last 4 digits of my social security number. When he said that my connection was getting bad and began to sound frustrated so he said he though he had a solution and hung up. I realized when he did not call back that it had been a scam.
Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I submitted an application to Amerisave Mortgage company and given a pre-approval ( XXXX. ) With the pre-approval I found a home. I received disclosures and other documents upon finding the home. On XX/XX/XXXX it was assigned to new loan officer. Loan officer again sent me update disclosures. After receiving the disclosure there was an issue with my student loan debt. I was asked on XX/XX/XXXX to provide this documentation to the loan officer. After providing the documentation in reference to my student loans I was told everything was satisfied and the process will continue. I then instructed to get homeowners insurance. On XX/XX/XXXX I purchased and prepaid Homeowners insurance for the home. It was forwarded to the mortgage officer. On XX/XX/XXXX I begin asking for a closing date from the loan officer to make sure the insurance covered the corrected dates and closing date. I received no answer. But I did receive disclosures about an appraisal of the property. I was informed Amerisave was waiting on the appraisal of property to provide a closing date. In XXXX an appraisal was completed but need to be reappraised due to issues on behalf of the owner. Owner ( s ) provided substantial amounts of money to fix the issue for the appraisal to pass. Again I was asking and seeking questions about closing, any issues etc. I sent email on XXXX, XXXX XXXX XX/XX/XXXX, XXXX all seeking answers about closing dates, cost of closing, any issues etc. All the few times they answered it was " everything is ok ''. So I proceeded based on hearing from my closing agent and title company closing was near I submitted my 30 day notice to landlord, bought new furniture, continued to pay on home insurance, and also providing more earnest money for the purchase of the home. Including the fact the sellers had put substantial amounts in the home to comply with appraisal. I received an email on XX/XX/XXXX to review the update appraisal report only to log in an notice a message the loan was " declined ''. I immediately begin to call seeking answers, as if this deal feel through I would and am now homeless and lost over {$10000.00} in monies. I was told due to my student loans and income to debt ratio I was declined- an issue I believed was satisfied. I am not being evicted because I gave a 30 day notice to landlord, threatened to be sued by seller due to the monies they put into home for appraisal, monies spent on home insurance, furniture and other items for homes. I need answers why was the process drugged out to so long on an issue I believed and told was settled. I need my money returned, I have no home or place to go me and my family will be homeless. I should have been informed in XXXX this was an issue. I sent several email as you can see aksing for help, making sure everything was ok, please help me.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

Ive sent in letters to XXXX and Experian disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the report.
Consumer complaint received 2021-04-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harpeth Financial Services, LLC (GA)

I have been trying to reach out to the 3rd party debt collector XXXX XXXX XXXX ( On behalf of/debt purchased from Advance Financial LLC ) by mail so that a settlement resolution can be reached in writing. However XXXX XXXX XXXX has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.
Consumer complaint received 2024-02-20
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)

XXXX XXXX XXXX  Balance details Paid off- Balance - Balance updated - Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$400.00} Balance updated XX/XX/XXXX Original balance {$340.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$400.00} past due as of XX/XX/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
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter pertaining inaccurate and unknown things on my credit report on XX/XX/2021. It has been well over 45 days and until today I have not received a response. It appears my disputes are being ignored and I feel like I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these items, within 30 days gives a reason to immediately remove these items from my credit report. It has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately, otherwise I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and my information may have gotten into the wrong hands.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I used Capital Ones freeze your price feature to lock in the price of four flights for XXXX  hours. I used XXXX points to freeze the price, the equivalent of {$36.00}. Less than XXXX hours later, I tried to book the flights at the price I locked in, and the system said sorry, but your flights have increased by {$260.00} and would not let me book the flights that I paid to freeze/hold the price. 

I called Capital One and requested a refund of the points I used and they said it was non-refundable and refused to refund the points that I used to freeze the flight prices. This is the equivalent of Capital One stealing points from me and refusing to make me whole when their freeze your price feature did not work.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2024-01-23
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 ( XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX ) has violated my rights 15 u.s.c 1681 section 602a states i have the rights to privacy 15 u.s.c 1681 section s 604a section 2 A consumer reporting agency can not publish an account without my written permission
Consumer complaint received 2024-02-20
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: ALLY FINANCIAL INC. (MD)

I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/year> LIKE THEM REMOVED PLEASE
Consumer complaint received 2021-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I'm trying to redispute items on my credit report but Experian isn't allowing me to. As long as incorrect information is on my credit report I will continue to dispute them. I believe they are in violation of my rights. I can and will continue to dispute.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (NC)

This is my XXXX complain about new rez previous complain. 
XXXX where company said they closed wrong account due to wrong refinanced .. when they said they closed wrong account then why New rez has reported late payment to credit beurow. resulting not allowing me to have any loan since XX/XX/2021 so far. 

what is my fault in overall process if i don't have fault then why my credit is bad becuase of your report. who is responsible for late payment and who is responsible for wronf account paid off. how better mortgage know about wrong account unless you provided them wrong account to pay off. why my credit is wrong and why i am suffering?
Consumer complaint received 2024-01-23
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. (TX)

It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.
Consumer complaint received 2024-01-23
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. ()

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2021-06-29
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2017-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Grant & Weber (CA)

Grant weber will not verify by sending me a copy of my California ID since they are stating these are medical bills. They reported on my credit report couple years back that they are charge offs when I asked for identification. Now they are back on my credit report showing open. Still will not provide proper identification that they have authorization that it is me and they can try to collect after reporting charge off.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (CA)

I have been fighting back and forth with the three major credit bureaus Experian, XXXX, and XXXX as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (OH)

When I got a copy of my credit report earlier this year I noticed several collection items from a company called XXXX XXXX. They claim that it was a debt from XXXX XXXX in XXXX, OH. I had no knowledge of this debt collection company until I pulled my credit report. I did my due diligence and researched FCRA and FDCPA laws. My findings conclude that by law I have the right to dispute anything on my credit report with anyone that furnishes information to the credit bureaus. The company that furnishes information are required to respond to the consumer. 

I have sent several letters to the XXXX XXXX and they have failed to respond to my disputes. I sent my first letter in XXXX of this year with no response from the XXXX XXXX Consequently they have failed to report to the credit bureaus my disputes when they updated my credit file twice in XXXX. Furthermore they have continued to ignore my request for validation. I have given them more than ample time to respond and have failed to do so. 

At this point I am requesting they remove the items from my credit file from all three bureaus or I have no choice but to file a lawsuit because of their violations.