davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
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. (OK)

In  XXXX , I ordered clothing from  XXXX   XXXX . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru  XXXX   XXXX  which had I known, would not have authorized.     As soon as I realized this, I called  XXXX , talked to a  XXXX   XXXX   XXXX  and he agreed to cancel this account. This did not stop  XXXX    XXXX   from sending me a bill even though I paid off the purchase in  XXXX  of  XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used.  XXXX  continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like  XXXX   XXXX  fraud.     In meantime,  XXXX   XXXX  turned the acount over to  XXXX   XXXX , who this complain is about. I have explained to them this situation. They continue to harass me with at least  two  times a day, even though I have requested proof that I signed any paper work authorizing this credit card.
Consumer complaint received 2017-07-18
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: Navient Solutions, LLC. (MD)

On  XX/XX/XXXX , I sent a letter to Navient regarding the late payments that they are reporting for my student loans. In this letter I requested documentation that would prove that my loans were not in forebearance during that time, and as of  XX/XX/XXXX  I have not gotten a response from Navient regarding this matter.
On  XX/XX/XXXX , I submitted an online dispute with  XXXX ,  XXXX , and  XXXX  regarding the inaccuracy of late payments to Navient in  XXXX  and the status was not changed.
The second online dispute with the  XXXX  credit reporting agencies was submitted in  XX/XX/XXXX .
On  XX/XX/XXXX , I submitted yet another online dispute regarding this same matter, and have yet to get any type of response from NAVIENT.
If they ca n't furnish documentation that states that I was indeed late on payments then I feel that the reporting should be updated to current for the duration of the loan origination.
Thank you in advance for helping me in this matter.
  XXXX   XXXX
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. ()

In   XX/XX/XXXX  , I opened an account with Comenity (   XXXX   XXXX   ) and recceived a credit card only valid in their stores. I bought a watch with an offer of 24 months without interest, for  XXXX  $ US. I understood that after the 24 months, interests are going to start on the remaining amount to pay ( In   XXXX   it works like that, it 's an incentive for a customer to buy products ). I paid aroud 1300 $ US in two years. Then on   XX/XX/XXXX ,  I paid the usual monthly amount ( I live in  XXXX , so I must make transferts to a US account and then pay them, so I have an automated procedure to do that every month, and I do n't always check the statement. Furthermore, I was out of the country at this period ), but they charged me the total amount of interests for 2 years at 30 % interest rate ; so now I have to refund  XXXX  $ US, with a 30 % interest rate!
I called them, spoke with 3 representatives ( the last one a manager ), and they told me that it is a revolving interest, so because I did n't paid the total amount befo re  XX/XX/XXXX , th ey charged me the revolving interest.
I explained them that I was not aware of that rule, and if I knew I would have paid the entire remaining amount ( around 3700 $ ) in time and the case closed. I asked them to cancel the interests charged and I will pay the remaining amount immediately. The manager did n't want to understand my point and the situation. He only offered me to lower the interest amount by  XXXX  $ ( which he never did after all ), which seems an odd amount ...
I also asked him to fill a complaint for me, and I also filled a complaint myself on their web site. The answer from their secure messaging area is the same : I was late to pay the remaining amount, so they charged me all the two year past interest.
Consumer complaint received 2024-09-10
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-10
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)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NC XXXX Employer - NC XXXX Employer - XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for XXXX  years. The below companies are on my credot report under the collections category. 
- XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX XXXX they also practice unfair collecting. 
Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. 
Very embarrassing and it should be illegal.
Consumer complaint received 2017-07-17
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. (PA)

I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely my FICO2 which is used by lenders took a severe hit. I started the month of  XX/XX/XXXX at a  XXXX . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the Experian agency to a  XXXX . The explanation offered by experian was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XXXX    and  XX/XX/XXXX  and my score increased. But it gets worse. It 's public knowledge that Experian was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from  XXXX  ( which was satisfied in  XXXX  ) removed from my credit report on or about  XX/XX/XXXX . My FICO2 score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the Experian Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-10
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. (MA)

I received the letter with my dispute results from Experian, XXXX, and XXXX and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Consumer complaint received 2024-09-10
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. (MD)

The Fair Credit Reporti

ng Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of
the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (AZ)

My wife and I moved out of an apartment ( XXXX, XXXX, AZ ) in XX/XX/XXXX prior to the expiration of our lease term. An agreement was made in XXXX XXXX with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  staff that the break-lease fee would be waived due to our threat of legal action and our complaints of multiple known safety concerns and criminal activity within the apartment complex. We also submitted several complaints of ongoing maintenance issues during our stay such as severe plumbing issues and flooding. As a result, our business with the XXXX ended and we did not receive any subsequent calls, emails, or written correspondence indicating that we owed any amount. We then received a statement in XX/XX/XXXX from Property Receivables Corp ( attached ) indicating that we owed a balance. The letter advised that if we wished to file a dispute, we would need to contact the entity by XX/XX/XXXX. We sent a dispute email on XX/XX/XXXX ( See attached response to XXXX ). We did not hear from the entity until XX/XX/XXXX in which we received a phone call from a representative from Property Receivables Corp. The representative initially denied that a dispute letter was ever received and therefore they were unaware of any dispute. We read the emailed response back to the representative whom then admitted that the email was in their possession. The representative then indicated that the dispute process would now begin on XX/XX/XXXX and that the credit bureaus were contact on XX/XX/XXXX.
Consumer complaint received 2024-09-10
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. (NY)

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. 

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  XX/XX/XXXX :
Consumer complaint received 2017-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

as of today  XX/XX/XXXX  I had to file chapter  XXXX , this is been on going now for the past 10 months  XX/XX/XXXX  and shellpoint mortgage trying to get a modification loan and have sent unless papers for a lower payment and a lower interest rate we are in an arm of 9 % now and will go higher and payment of   XXXX   per month on a  XXXX  home WHY and so sorry cant qualified for try again so buys them more time to foreclosure to kick us out I had told them over and over we DONT wont to loss OUR HOME we worked hard for for the past 16 years of living there brought in renters and so sorry cant get you a loan WHY this is our American dream being taken for us and no help for us PLEASE STOP THIS FOR HAPPENING AND HELP!!!!! THANK YOU!!!!!! Shellpoint mortgage are heartless and GREEDY SAY AWAY FROM THEM!! also we have been working with HUD to get answer when you try to go to get a refinance they also asked have you tried with your lender first that 's what we have been doing no help!!!!!!!!!!!!!!
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A. (OK)

I originated my mortgage in XX/XX/XXXX and have made additional principal payments each month. This has contributed to a 35 % reduction in the principal of my original loan amount of {$100000.00} resulting in a current balance of ~ {$68000.00}. It is my understanding that once more than 20 % of the principal balance has been paid that PMI may be removed. I contacted PNC Mortgage Customer Service on XX/XX/XXXX to inquire about how this could be achieved. I was advised that my request would be passed to the appropriate department and would receive a letter in 10 days advising if it was complete or not. Instead, I received a letter on XX/XX/XXXX advising that my PMI is scheduled for automatic removal in XX/XX/XXXX, per my amortization schedule. The letter then stated that if I would like to have this removed early, I would have to pay {$190.00} for a real estate broker to assess the value of my home but PNC has to facilitate and schedule to ensure it's legitimate. 

This seems like some type of scam to fleece me out of additional fees. I fail to see the need for me to prove the value of my home, when in 7 months PNC will automatically remove the PMI with no questions asked. This is clearly an unfair business practice that needs to be stopped.
Consumer complaint received 2023-07-15
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX