davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had an account with Bank of America since XXXX In that 25 years I have had one late payment by 5 days and 1 missed payment. When I discovered the missed payment I paid it immediately and it was less than 30 days past do. I got a letter from the company saying my credit score drop to XXXX and they were dropping my available credit from XXXX to XXXX. My credit score has not dropped. It is still XXXX. In trying to reason with Bank of America I said that 2 incidents of past due payment in 25 years was not reason to drop my available credit. They said they could not do anything about it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AR)

There was a data breach. I went to all three reporting agencies to freeze credit. Somehow Experian put me in a monthly subscription that I did not voluntarily enroll in. The are themselves, practicing fraud and this needs to be handled. 

When I log into my Experian account, there is no way to cancel the membership they are billing me for until I provide a new card number. I didnt sign up for this trash and I will not be providing any new card numbers. This is a broken system. 

They are charging me XXXX per month for something I did not knowingly sign up for. Thankfully there are no funds on the card for them to withdraw and the charges are being denied at this time, but I want this fraudulent membership subscription cancelled and there is no method to do so via the website. The phone number they provide offers no recourse and there is no one to speak with. 

Please help
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CO)

I purchased furniture from Arhaus XXXX on XX/XX/year>, on the condition that I take advantage of the financing promotion they were offering. The price of the furniture was {$4800.00}. When I asked about the financing option, the sales associates in the store ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) explained to me the promotion is for a credit card with Comenity bank, offering 6 months of 0 % interest/APR financing. They further explained to me that if the balance isn't paid off by the end of the 6 month promotional period, then interest will start accruing. However, after recently reviewing my credit card statement, I noticed a {$720.00} interest charge. Thinking this was a mistake, I called Arhaus XXXX  on XX/XX/year>, and they told me the finance promotion was for 6 months of deferred interest, not 0 % interest. At the time of the purchase, all the sales associates I spoke to and all their advertising made it clear the promotion was for 0 % financing, which is false and incredibly misleading. As a result, I ended up having to pay full interest as of the time of purchase. This has caused significant financial hardship for me and neither Arhaus XXXX nor Comenity bank is willing to provide any support or take accountability. They falsely advertised their financing promotion in order to close a deal.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-08-26
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. (GA)

XXXX. On XX/XX/XXXX by XXXX, amount of {$8200.00} an account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

XXXX XXXX XXXX Account : Amount of {$1100.00} By XXXX XXXX account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry made
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (AZ)

I purchased a home on XX/XX/XXXX with Freedom Mortgage as the lender. The house was purchased for {$600000.00} and appraised at {$620000.00}. I put {$100000.00} as a down payment, and as such, was subject to PMI. 

After closing, I decided to make an additional principal payment to bring my loan to a principal balance of {$460000.00} on XX/XX/XXXX, which reduced my Loan to Value ratio to 78 %. I requested that PMI be removed after this payment posted, and was denied due to " the loan does not meet the 2-year seasoning period, and the loan-to-value ratio is above 80 % [, ] '' which does not align with the house 's value and the remaining principal balance. 

I requested reconsideration, and was told that : " Please note that the loan your loan originated on XX/XX/XXXX, and it has not been assigned to an investor yet. Due to this, we are unable to review the loan for PMI removal. You may request for the removal of the PMI once the investor has been assigned. '' It's my understanding that at 78 %, my PMI should be automatically cancelled per https : XXXX " Is my PMI automatically canceled once my principal balance is 78 percent of the homes original value? '' I am current on my payments.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

My social security on my Experian credit report is incorrectly listed. There are two social security numbers showing the last four digits, which are both incorrect. 

There were XXXX credit cards ( XXXX XXXX, XXXX XXXX, and XXXX Bank ) opened under my name without consent or authorization. I have disputed each on all three credit reports without success. I have notified the Credit Card companies without success. I am a XXXX retired widow living on a limited income. I receive XXXX benefits and can not afford to accrue credit card debt. 

I've put a freeze on all three credit bureaus and have filed multiple disputes. I'm informed these dates are accurate, so it does not appear I have any recourse. These charges have caused me XXXX  and distress, which exacerbate symptoms of my physical health issues. 

I am asking for support and assistance to have these unauthorized credit cards removed from all three credit reports. Thank you
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I did a loan consolidation in which I paid my loans off for XXXX I asked Experian if they would please update my loan balance on my credit report and they refused please see the statements attached can you please require them to update my credit report with the right balances asap since they refused.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2024 I went to deposit {$900.00} dollars to the BOA ATM located on the corner lot between XXXX XXXX XXXX XXXX and XXXX XXXX, in front of XXXX 's retail store. When I made the deposit I noticed the machine was taking too long. Then the screen showed an error message, then it would flicker, ..then screen blacked out and finally got a message " out of service. '' When I noticed those things, I pulled out my phone and started recording what the screen was doing. Had I known this would happen, of course I would've recorded sooner but I never had that situation happen before. 
The results of the finding were that {$410.00} dollars were located but not the other {$480.00}. THIS IS A COMPLETE THEFT!!!! I am livid to say the least. This may be little money but it is a lot to me since hard earned I WANT MY MONEY BACK. I called XX/XX/2024 upon noticing the finding and they were closed.
Consumer complaint received 2024-08-26
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, have violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC (TX)

Skopos Financial is reporting a late payment on my account for XX/XX/XXXX. That is incorrect. I was approved for an extension which covered XX/XX/XXXX and XX/XX/XXXX. So payment could not have been late for XX/XX/XXXX since extension was in effect. After multiple attempts to figure out why they reported late. I spoke to representative which then told me it was from XX/XX/XXXX payment that was reported. That as well is incorrect. Payment was made XXXX days after the due date which i have a grace period to do so. Representative agreed. He said it was reported in error and that i had to dispute it with the credit bureaus to get corrected. He also stated that they would credit the late fee charge that was applied to my account since that was a billing error. I asked if they could correct it on their side since it was their error. He said they couldnt. But that he could provide me with a transaction history to prove my payments were made accurately. I have not received that transaction history. This has been very frustrating because this is severely hurting my credit score. i continue to contact skopos to try to get it resolved and they have been no help other than apologizing on their behalf for their error.
Consumer complaint received 2024-08-27
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NY)

I have been a current victim of identity theft which has been discovered since XXXX of this year 2024. 
This one from Radius Global Solutions with the original credit listed as XXXX XXXX is included in this. I have not owned a XXXX XXXX card in over 6 years and the one I did have was a secured credit card in my name and that had been paid in full and closed. 
The amount of this debt being pursued is for {$120000.00}. 
I have an FTC report which was filed immediately when I discovered my identity was compromised and also have an inquiry made to my local police department which has been made aware of this crime as well. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (FL)

Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I am not aware of this debt of {$1100.00} nor did I sign an agreement with the company above. 

Show me my signed agreement if not remove from my credit report.
Consumer complaint received 2024-08-26
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. (GA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACCOUNTS ADVOCATE AGENCY (NJ)

My Name is XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... .Upon reviewing my credit file on XXXX XXXX sent by the bureau on XX/XX/XXXX at my residential Address -- XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ...... There has been a reporting of fraudulent account on my Credit file ...... I got XXXX reports from XXXX Credit Bureau with same file number - XXXX on same day XX/XX/XXXX but with different date of births and different membership periods ... .... My date of birth is XX/XX/XXXX ... ... .. and I have membership with XXXX XXXX XX/XX/XXXX ... ... ... ... ... ... .... The Account on the wrong report is ACCOUNTS ADVOCATE AGENCY XXXX # XXXX ... ... ... ... ... ... ... ... ... ... ... ... ..... Please remove this whole account as well as the wrong report on my name with date of birth listed as XX/XX/XXXX ...... The company ACCOUNTS ADVOCATE AGENCY is fraudulently reporting with wrong information to XXXX Credit Bureau ..... Please remove this inaccurate information from my credit ... ... ... ... ... ... ... ... ... ... ... .... XXXX Credit Bureau is also at fault at this ... ... ... ... ...... I have attached my photo ID, SSN card, FTC complaint, the correct credit report as well as the wrong credit report with this complaint ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -..- ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... I have talked with company representative XXXX on XXXX .... email is XXXX ... ... ... ... ... ... ..... 

For any further assistance please reach out to me XXXX XXXX on XXXX, email XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (MD)

After checking all of my credit reports, I noticed that there are some accounts that should have never been put onto ANY of my credit files. I never gave consent for XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to post my personal AND educational school history financial documents. That is a major violation of the Privacy Act of 1974, as well as, a major violation of 42 USC 408 - Penalties. 

My school loans should have never been posted to any credit file because I never gave consent and it's a major violation of THE SELECTIVE SERVICE. I REGISTERED WITH THE XXXX XXXX XXXX XXXXXX/XX/XXXX ; SELECTIVE SERVICE # XXXX. 

I have already contacted the SELECTIVE SERVICE and I was told that my school loans should have NEVER been attached to ANY credit file bearing my name and social security number. The SELECTIVE SERVICE representative made me aware that ANY school loan was DISCHARGED because of XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 

Federal School Loans are backed by the Full Faith and Credit of the United States of America.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports