davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates sent letters to my home, I ask them to validate however they sent no original contract or anything with me opening up account with XXXX XXXX, just sent the amount they say I owe. They person called stated they from XXXX XXXX lies and told the person in the phone I can do a payment plan however they violated for one hownyou calling when I wrote to them my validation stated dont try contacting me they look my address up online and got the phone number its not my house its my friends house I use to reside in so why would they tell them I owe money to them and second it wasnt XXXX XXXX it was Portfolio Recovery Associates. They never sent a validation just old statements and nothing with my signature on it and I dont live in XXXX anymore I have moved to XXXX  so I will be calling contacting a lawyer under the FCRA they are required to show me a contract with my signature on it.
Consumer complaint received 2018-08-12
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: EQUIFAX, INC. (GA)

I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.
Consumer complaint received 2018-08-12
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. (GA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Experian Unauthorized Inquiries : 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 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Equifax Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OK)

I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish it,
Consumer complaint received 2022-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

My mortgage permits me to make advance principal payments with no fees. Each month, I pay extra toward the principal. This should ultimately reduce the amount of interest I pay, since my outstanding mortgage balance is being reduced significantly each month. The payments were all documented in written emails to the bank. There is no dispute about the amount of payments, the date of payments, or the purpose of payments. They accepted the payments, but instead of crediting them toward principal, they treated them as advance payments of my regular " principal plus interest '' payments. When I discovered this, the outstanding balance on my mortgage was wrong by more than {$11000.00}! The bank acknowledged the error but said their system would not allow them to correct it. I fought with them for many weeks, but they insisted it was too bad for me because their system could not be corrected. Ultimately they agreed to fix it, but they made some sort of error still and my balance is still incorrect, though by a XXXX XXXXXXXX XXXX  instead of {$11000.00}. They are refusing to right the error. I have escalated this as far as I can and still have not had the balance corrected.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

To whom it may concern I have talked to the manager of the apartment of the situation that I have been in due to the loud noise of the people above me. 
Months and months before I decided to move out. I did come to the office to give my notice in advance and pay my due to the last day of staying. 
I didnt owe them anything The manager agreed to it. 
Please fix this problem and get it off my credit. 
I am trying to buy a house hope you understand Thank you
Consumer complaint received 2018-08-14
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: AMERICAN EXPRESS COMPANY (GA)

I have been a American Express member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. American Express was one of those. American Express removed itself from the program and I took over making the payments myself. I continue to receive statements from American Express and make payments using the American Express website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted American Express to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2022, a redemption of {$790.00} was made to my checking account on file. To date, the deposit has not been made and the credit card company has no answers to explain why my monies have not been transferred and deposited to my account that they have on file and withdraw from to pay my bills.
Consumer complaint received 2018-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I HAD PREVIOUSLY SEND IN A CERTIFIED AND NOTARIZED LETTER TO THE CREDIT BUREAUS IN REGARDS TO INQUIRIES THAT WAS NOT AUTHORIZED BY ME. I ALSO SENT IN A IDENTITY THIEF AFFADAVIT AS WELL AND WAS STILL IGNORED THE CREDIT BUREAUS ARE IN VIOLATION OF THE FCRA IN REGARDS TO IDENTITY THEFT. THEY DO NOT EVEN READ THE DOCUMENTATION THAT I SENT TO THEM IT GOES SOMEWHERE IN A FOREIGN COUNTRY SOMEWHERE. I I JUST FOUND THAT OUT THEY ARE SENT TO SOME FOREIGN COUNTRY SOMEWHERE AND THEY DO NOT EVEN TAKE THE TIME TO READ THE CERTIFIED DOCUMENTATION THAT I TOOK THE TIME TO TYPE OUT THEY JUST KEEP SAYING THAT THE INQUIRIES HAVE BEEN VERIFIED THEN I ASK FOR VERIFICATION OF THE INQUIRIES AND THEY NEVER SEND ANY VERIFICATION BACK TO ME WHICH MEANS THEY ARE SUPPOSE TO DELETE THESE INQUIRIES IF THEY DO NOT HAVE SUPPORTING DOCUMENTS PROOF
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc. (VA)

XX/XX/XXXX - I initiated a call to Global Equity Finance after receiving multiple letters from them advertising their low interest rate to refinance mortgage and get a cash out. My call was transferred to XXXX XXXX, XXXX XXXX, Executive Loan Consultant | XXXX ID : XXXX, Direct : XXXX. Later that day I received an estimate pertaining to my inquiry ( refer to the attached file containing email exchange with Global Equity ). 
XX/XX/XXXX - I was told I need to pay {$480.00} for home appraisal, but that charge will be refunded in case Global Equity is not able to offer me the exact terms we discussed ( 4.875 % interest rate, $ XXXX cash out ). My credit card was charged for {$480.00}. 
XX/XX/XXXX I received a link to review and sign electronic documents. Upon reviewing the documents, I found out that the terms of the loan were different from what was previously discussed, the closing costs were exorbitant, the cash out amount was less, and the interest rate was higher. I have emailed XXXX XXXX telling him the terms were not acceptable and that I will not be moving forward with a loan. XXXX said Global Equity is  still structuring my loan, and since then I received several iterations of the estimates, none of which were acceptable to me. No electronic documents were ever sent to me, and all links where I could access the documents, were quickly disabled, so I never got a chance to get and keep a physical or electronic copy. 
I have requested a refund of the appraisal fee of {$480.00} multiple times by email and over the phone. I have been in contact with XXXX and his supervisor. I have also reached out to Global Equity legal department to no avail. 
I understand that under Regulation Z, I'm entitled to a refund if I do not close, or close and rescind : Reg. Z - 12 CFR 226.15 ( d ) Effects of rescission. 
( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. 
( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

Appendix c : Paragraph 15 ( d ) ( 2 ).
1. Refunds to consumer. The consumer can not be required to pay any amount in the form of money or property either to the creditor or to a third party as part of the occurrence subject to the right of rescission. Any amounts of this nature already paid by the consumer must be refunded. " Any amount '' includes finance charges already accrued, as well as other charges such as broker fees, application and commitment fees, or fees for a title search or appraisal, whether paid to the creditor, paid by the consumer directly to a third party, or passed on from the creditor to the third party.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, my name is XXXX XXXX XXXX. I noticed a charge-off on my credit report for a debt of {$5500.00} from XXXX XXXX XXXX XXXX that I do not recognize. The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. After contacting XXXX XXXX, I was informed that this debt is related to a co-signed account. However, I have never co-signed for anyone, and I believe this is a case of fraud. I am requesting that this charge be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Consumer complaint received 2018-08-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

US Bank charged my account {$15.00} for Withdrawal Charges on  XX/XX/2018. I asked them to refund the money to my Savings account but they refuse to do that. I never authorized any {$15.00} charge and asked them to stop withdrawals from that account but they said they can't do that. I'm being charged {$15.00} fees on transactions that are less than {$10.00} which doesn't make sense at all. I have two Pending transactions on XX/XX/2018 also on the same savings account they stated that I will be charged {$15.00} for each time. I told them I wanted to close my account and transfer the money to my checking account with them and they stated they are unable to close my account unless I go sit and wait at a branch location. The hours the bank are open aren't convenient at all and they are unwilling to assist me.
Consumer complaint received 2018-08-14
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST INTERSTATE BANCSYSTEM, INC. (PA)

In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 USC 681 Section 602 states I have the right to privacy.

15 USC 681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-26
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. (VA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

There is a pending investigation into XXXX Uiversity for fraudulent practices. My XXXX federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called XXXX multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.
Consumer complaint received 2018-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.
Consumer complaint received 2018-08-12
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. (GA)

Since XX/XX/2018, I have attempted to contact Trans Union in reference to erroneous items on my report. I began sending written requests for verification of these items in XXXX. Since that time I have not received any of the items requested and the erroneous items are still on my report. They have yet to verify the items and send proof of that verification. They simply say " the company '' reported it as " accurate. '' Without giving the requested verifying information. I have also provided documents to Trans Union that I have sent to the suspected verifying companies and I have never received anything to verify the accounts.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

Experian is not reporting 2 open credit cards on my account which is causing my score to be lowered and they are : XXXX credit limit XXXX XXXX XXXX credit limit XXXX And the Bankruptcy from 8.8 yrs ago shouldn't be affecting my score by 150 points.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Equifax : Unauthorized Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX