davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXXXXXX 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 XXXXXXXX XXXX PA, XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report XXXX My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. Restaurant XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-10-29
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. (VA)

Since XX/XX/2018, I have been trying to get this report accurate. EXPERIAN reporting practice is VERY Discriminatory. 

For example, they only report CREDIT LIMITS for negative accounts ( See attached ). THEY DO NOT report CREDIT BALANCES, CREDIT LIMITS, STATUS AND TYPES FOR POSITIVE ACCOUNTS. How are they able to do this pursuant to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I WANT THE CREDIT LIMITS, BALANCES, TYPE, AND STATUS ON EVERY ACCOUNT REPORTED ACCURATELY.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CO)

XXXX   XXXX   XXXX   XXXX   XXXX   sent my account to collections for the full amount of the lease breaking fee, however, they did not deduct any of the payments I had made previous to my account going to collections. I paid the amount I truly owed within 30 days of account going to collections  XXXX  at   XXXX   XXXX   XXXX    XXXX   XXXX  said she would contac t National Credit   Systems to le t them know I do not owe the {$230.00} that is left. I am still being billed and threatened credit reporting of the {$230.00}. I have called the collection agency numerous times and "  XXXX  '' has never called me back or started taking any steps to rectify the situation. As of today, he stated he did call me back and I never responded. I asked where he was calling because I never received any voicemails. He said he is not sure where he called. He said their calls are recorded and that is proof he called me. I asked for a copy of the recording and he said I have to subpoena it. I have called and spoken to  XXXX  at The  XXXX   XXXX   numerous times who said she has cal led National Credit Systems  and she is not sure why they are still billing me. According to  XXXX  my record does not show that she called them at all.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (DE)

Experian put an item on back on my credit after taking it off three years ago. Back in 2014 I disputed an Verizon item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back???
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Resurgent Capital Services L.P. (NC)

I received a letter from  XXXX   XXXX   XXXX  on   X/X/XXXX  cl aiming they are collecting a debt in the amount of {$460.00} from an account in my name from  XXXX   XXXX . I do not owe this, so I contacted  XXXX   XXXX   XXXX  immediately and asked for validation of this debt. Never heard from them. I contacted CFPB on  X/XX/XXXX  and filed a complaint about this issue.  XXXX   XXXX   XXXX  responded to me through online portal for CFPB on  X/XX/XXXX  stating that they would stop all contact and collections until they had sent me validation. 35 days have past I never received validity of this claim. However,  XXXX   XXXX   XXXX  has reported on my credit file under the name  XXXX   XXXX   XXXX  and also under the name LVNV Funding LLC as if they have validity of this claim and as if I have received from them validity of this claim, of which I have not. And caused my credit file to take a  XXXX  digit decline.I have never done business with either of these companies and have no outstanding collection accounts until they hit me twice with their claim. They claim an account number ending in  XXXX  is an account they own and are collecting from me, but after 35 days has not given me any validation to this claim.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Special Financing Company, LLC (OK)

This is an additional complaint in relation to case number  XXXX , regarding account number  XXXX  with Special Financing Company , LLC. I received the statement for  XXXX   XXXX  this morning via email as per my request from customer service yesterday. Upon my review of the billing statement I discovered some discrepancies in regard to the account. The APR listed on the statement is 18.99 %. The APR on the Sales Order that I signed on  XXXX   XXXX ,  XXXX  states that the  XXXX  on the loan is 17.99 %. I have uploaded a copy of the executed  Sales Order  that states this agreed upon  APR. Also, the billing statement shows that there are 25 pa yments due until the account is paid in full. As of  XXXX   XXXX ,  XXXX , there have bee n 13 p ayments deducted from my bank account and credited to the balance of the loan. The offer that I received from  XXXX   XXXX  from  XXXX   XXXX   XXXX , was an offer of a 36 month ( 3 year  XXXX  loan. That is the offer than I reviewed, gave consideration to and accepted. I do not have a copy of this offer, however  XXXX   XXXX   XXXX  should have a record of it. I have uploaded co pies of 13 payments that have been withdrawn from my bank account. If there are 25 payments still remaining and I have paid 13,  this is a 38 month loan. Also, customer service has informed me via telephone that this is a 3 year loan. My last concerns are that I was charged {$990.00} just to " start '' the account, and no funds from this fee were applied to my account balance. Additionally, there is a {$1000.00} added to the balance of the loan that is not part of the funds dispersed nor interest. I question if this practice violates consumer right 's laws.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Radius Global Solutions LLC (IL)

I returned a leased vehicle to  XXXX  on   XXXX  , before the lease through  XXXX   XXXX   XXXX  matured on   XXXX  . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On   XXXX   a check was issued and mailed to my correct address from  XXXX   XXXX   XXXX  for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either  XXXX   XXXX   XXXX  or  XXXX   XXXX   XXXX   XXXX  for all of  XXXX . On  X/XX/XXXX , I received a letter in the mail ( dated   XXXX   ) from  Central Credit Services, LLC ( a debt collector ) wh ich said I owe {$1500.00} to  XXXX   XXXX   XXXX   XXXX  and said " your leased vehicle was returned and your account balance  may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and above the allowed by your lease agreement ''.    I contacted both  XXXX   XXXX   XXXX  and  Central Credit Services an d inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from  XXXX   XXXX   XXXX  for satisfactory completion of the lease. A  XXXX   XXXX   XXXX  representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  Central Credit Services  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay. When I challenged further the representative said she would mail me pictures of the damage on the vehicle ( of which I know there was none ). The pictures I received in the mail were approxima tely 1 inch x 1 inch s canned. Absolutely nothing can be seen in the pictures. You can not even tell what you are looking at.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
Consumer complaint received 2024-10-07
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit R eporting Act, 15 U.S .C. 1681. This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance
Consumer complaint received 2017-04-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Eastpoint Recovery Group, Inc (CT)

I had spoken to a young woman  a Eastpoint Group regarding my debt and explained that I do n't have the money right now. I further explained that once my tax return comes I will p ay off the debt. They continued to contact me and then began to contact my employer.
Consumer complaint received 2018-10-29
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)

I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Consumer complaint received 2018-10-29
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. (MA)

These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late
Consumer complaint received 2018-10-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NY)

XX/XX/2018 applied for mew construction loan. Spent months sending paperwork amd documents sometimes more than once. Got preapproval letter for $ XXXX. A couple months go by and approval was lowered to $ XXXX. That was XX/XX/2018. I told the rep to go ahead and submit to underwriting. XX/XX/XXXX recd email from rep asking if i want to cancel?? I said i thought it went to underwriting 2 months ago. She replied i should cancel and go elsewhere. I never recd a denial letter or a reason for the delay or cancellation
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

To whom it  may concern at Navient 's Office of the  Customer Advocate, I would like to complain about what I believe is a misleading and predatory practice.     I was able to resolve this issue for myself but I would like to go on record with my objection to it.     I have  XXXX  student loan through Navient from classes taken a few years ago which I make monthly autopayments on.     Yesterday I paid for classes at my new  XXXX  's program via the University 's web portal with NO intention of deferring my current loans or stopping my autopay function.     Today I received an email from Navient announcing, " Congratulations, your request for deferment has been approved! Please log in to your account for more detailed information about your deferment. '' I did NOT make a request for deferment. I found this email alarming and assumed someone had broken into my account.     On my account homepage, I found out my autopay feature had been removed and there was no way to even DECLINE or RESET the deferment which was set  until 2020.      I just got off the phone with a customer service rep and had to insist he REMOVE the deferment that was preventing me from signing up for autopay.     Please add this to the list of practices that are obviously designed to prevent customers from making thoughtful decisions about their loan management and entrap them into years more of debt than they even requested.     I also sent a copy of this message to the Consumer Financial Protection Bureau.     Thank you.      XXXX   XXXX   XXXX
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony bank was very unprofessional on how they treated me lied and gave me incorrect information multiple times on different calls. No one will trey to help me I 'm asking to have my credit limit adjusted back to what it was because of a simple mistake on my end because I forgot to pay a {$16.00} bill they adjusted my line of credit from  XXXX  to  XXXX  which is a huge decrease I have already made the payment and asked if they could make an exception and help me since it was am honest mistake. It seems like no one is willing to do anything about it and says it can not be manually changed I think that is a lie and they are chosing not to. Never did I receive a notice ahead of time saying if we do n't receive payment there is a possibility we  XXXX  make a change to you loc. I wish I was notified before this change was made to have the opportunity to fix the situation if it was irreversible. I am deeply disappointed on how I have been treated and the inability of the company to do anything to help a card member ov er 1 la te payment. I honestly do not feel like the company handled correct products and procedures at all.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

XXXX   XXXX  Inquiry  XX/XX/2017   .  XXXX  is in violation of the FCRA for failure to provide required notice to consumers with the allotted timeframe. I went to   XXXX   on the evening of  XX/XX/2017    to inquire about switching my cellular service - many advertisements were run regarding their " specials ''. The  XXXX  sales person asked for my personal information to see what de als I may  qualify for and the applicable terms. He tried  XXXX  times to CONNECT with  XXXX  via the stores ' computer. A  XXXX  representative NEVER joined the CHAT SESSION. This process went on for about an  XXXX  of just trying to get  XXXX  on the line. Needless to say, I left the store, never knowing from  XXXX  what the status was becaus e no one fro m their end ever called or chatted with  XXXX  or myself. To date,  XX/XX/2017   , I have NEVER received any type of required written notice or verbal communication from  XXXX  explaining if I was approved or denied, from which credit reporting agency they received my credit information or the credit score that was used to base their whatever decision was or was not mate. HOWEVER, an inquiry is on my credit report from their company for  XX/XX/2017   . I expect for the inquiry to be deleted IMMEDIATELY.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

Someone stole my identity. Opened accounts at sprint, XXXX and pulled my credit info at other places such as XXXX. I have filed police reports, notified all involved companies, placed credit freezes, STILL THE COMPANIES ARE ALLOWING MY CREDIT TO BE FRAUDULENTLY PULLED. It 's ruining me and none of the agencies are helping.
Consumer complaint received 2016-08-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (TX)

American Honda Finance has reported incorrect information to XXXX, has agreed with me that the information on my credit report is incorrect and has told me on numerous occasions that it would be corrected. To date, it has not been corrected, and it is hurting my credit. 
American Honda Finance has reported that my account was paid in a settlement, and that {$220.00} was written off. Numerous Honda Recovery service agents have verified for me this is incorrect, and that my account should read. Account Paid in Full. Account Closed. 
Also payment history shows a charge off in XXXX 2015. There was absolutely no activity in my account in 2015. Nothing was charged off in 2015. This should be changed to ND for No Data. My account under Account History reads Charged off as of 2015. This is incorrect and should be deleted. There are XXXX False items that need to be deleted/corrected. Thank you for hearing my case. I appreciate your time.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (IL)

My credit card bill is due every month on the  XXXX  day. I pay my bill every month on the due date. According to Chase if I pay my bill on the  XXXX  but it is after  XXXX   Eastern Standard Time i t is considered late and they charge me interest and a late fee. I have to call every month to try to get those charges reversed. I feel I am getting punished for paying my bill on time.