davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MA)

Using Annual Credit Report.com, I requested a free annual credit report from Experian. Their site reported that I was n't eligible for the free report ( I was unable to verify this ). When I attempted to purchase the credit report, the site offered the credit report for {$1.00}, but it automatically placed you in a seven-week trial of one of their products. The site also states that if you do n't cancel ( i.e. forget ), you will be charged {$21.00}, monthly. There was no option to purchase my report without being forced to participate in the product trial. Consumers should not be forced into a product trial in order to receive their credit report. This may be verified by going to their website and attempt to purchase a credit report. This appears to coerce the consumer into purchasing a product, and potentially be responsible for additional monthly cost. I believe it should be the consumer 's right to 1. verify the Agency 's reporting that we are not eligible for a free credit report, and 2. purchase a report without being required to trial a product. Please investigate and advise. For security reasons, I am interested in receiving this information online, vs. being sent through the mail. Thank you.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AZ)

I owed a debt for unpaid fines to XXXX XXXX XXXX XXXX. The amount is {$5400.00} and it is from a case in XXXX. The case that those debts occurred from has been expunged and the debt should have been erased. I notified the debt collector MSB  that this had happened. They asked for proper documentation which I sent over immediately. Their now saying the debt is still valid and my court papers are invalid. My documents are issued from the XXXX XXXX recorders office they are as valid as they come. Because of this debt there is a lien on my credit which is preventing me from getting a driver 's license. I have contacted them numerous times with no help at all.
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I got this loan to payoff a couple of credit cards. They offered me a plan I could afford, supposedly reducing the cost of the total debt. It could not be more deceiving. It turned out the interest rate is 100 % a year, and worse than that, the amortization is extremely low, meaning that principal will not go down for a long long time. 
To give an idea, the total principal was {$5500.00}, taken in XX/XX/XXXX, and each installment is {$470.00}. By now I have already paid over {$7600.00} and the remaining balance of principal is {$4900.00} ( XX/XX/XXXX ). Moreover, to pay this off today, they demand {$6400.00}! 
This is outrageous and obviously against usury laws, a clear example of predatory loan.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have disputed a bankruptcy showing on my Experian credit report several times, and Experian has not fully investigated and removed it. On letters I have received, it shows they use a third party called XXXX, which resells information to Experian. Based off of this, I have verified that this public record is no longer showing on my XXXX report, however, Experian is still reporting it. 

According to the letter provided by XXXX ( Attached to this complaint ), XXXX initiated a dispute on my behalf with Experian.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc. (FL)

This is in reference to a place called XXXX at the XXXX  previously owned by XXXX XXXX XXXX and now owned by XXXX XXXX. I had moved out 7 months or so after Covid first started and couldnt keep paying my rent from job loss due to Covid affecting my job industry. I dont recall the exact dates but before I moved out one of the staff told me that I wouldnt have to worry about the rent when I had asked about it, I also inquired that I knew the company that owned the property was receiving government assistance since it was considered a business and she ( the woman I spoke to had said that was true ). So, I also did ask if there were any penalties for moving out due to the current situation of that time and she said no. Apparently, the money I never sent XXXX for rent was sent to a collections company called PDM. I called PDM to try and understand or ask in other words how I had collections under them when the company that used to own the property no longer owns it. I gave my first and last name and was asked to verify my date of birth and last 4 of my social which I did not feel comfortable providing over the phone to debt collection agency I knew nothing about up until today when I went to speak with some of the staff that were there when the property was owned by XXXX. I do not recall receiving any sort of notification regarding debt from this collections company called PDM to verify anything and now Im being told that I cant lease or be put on anyone elses lease because of that.
Consumer complaint received 2023-09-16
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. (TX)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00}
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NJ)

I closed on the house onXX/XX/XXXX. My mortgage bank is responsible for my township taxes and it is paid out of the escrow. There was a shortfall for the property taxes they paid for XXXX on XX/XX/XXXX payment. I contacted the bank in XXXX regarding this matter they assured to me that they received the notice and they will pay it by XX/XX/XXXX. Yesterday I received a delinquent notice from the township as the mortgage bank has not paid the property taxes fully and now with the interest and penalty the amount is over 176.00 dollars. I contacted the bank yesterday but they were not cooperating. They said they have to research why it was not paid. I am a new home owner and i do n't want to have a bad relationship with the township. I pay my bills on time to me this type of nonpayment is unacceptable. I am afraid that the bank might not pay future property taxes on time.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (NV)

on XX/XX/XXXX I contacted Lvnv funding ( Resurgent ) with a cease and desist and proper validation that the debt is mine. which I have eveything documented they sent me a statement which Is not proper validation any one could get a statement if my mail was a stolen also have been a victim of identity theft I asked them from certain information That the debt is mine. pursuant to 15 USC 1692 a debt collector can only assume the debt is valid. I'm my letter in order for the debt to valid I requested certain information back from them. I was then notified in the mail on the XX/XX/XXXX with a letter from the them stating this is an attempt to collect a debt. when 2 days prior to that they received my cease and desist. which I believe I'm owed for civil remedy from this company. because once a cease and desist Is out all collection activities must stop. as of yesterday this company company uploaded unverified information that is harmful to consumer report which is a violation of 15 usc 1962d. the practices this company is using is unlawful and should not be used. Ive never giving them permission to contact me and they still do even with unverified debt
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (PA)

I have submitted multiple requests to credit bureau Equifax and XXXX XXXX XXXX for proof of this loan. I have sent multiple emails and made multiple calls to XXXX XXXX  for information regarding this outstanding loan. I did not receive any service or product that would render this loan. I requested paperwork and a contract from the company XXXX XXXX who may have been a company that work with XXXX XXXX. They do not have anything in their file. XXXX has consistently stated that they did an investigation and as of XX/XX/XXXX can not produce a contact name, actual investigation results or any information that was a part of the investigation. I have placed disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All have resulted in the response that they have done an investigation but with no evidence provided to me. 

The last certified letter correspondence I sent to Timepayment XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX was XX/XX/XXXX and the last email XXXX was XX/XX/XXXX. I have also made many phone attempts to get information at phone number ( XXXX ) XXXX. All attempts have resulted in failed communication. 

At this time I have exhausted all avenues to rectify this issue with my credit report and a loan that I have not authorized using my information. This has been an exhausting experience with what seems to be automated response from Equifax.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am not able to service my account with capital one and now one knows why I've called customer service like 4 time and no one was able to help and was told they will submit a ticket to see what's going on with my account and nothing has been done.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is not honoring my claim of a fraud check worth {$3200.00}. I deposited the check on XX/XX/22 and the teller told me that the funds will be in my account after midnight. I checked my account the following day XX/XX/22 and the money is in my account. And on XX/XX/22, the bank found out that it was a counterfeit check and they took the money out from my account. Why did they put the money in my account before the check was cleared? I am a victim of a fraud check scam. Why are they not honoring my claim? Please help me. {$3200.00} is a lot of money for me.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/202 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (NC)

I recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. 

The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report. Violated 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to share my information. These accounts are fraudulent XXXX XXXX XXXX  XXXX # XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX # XXXX AMOUNT {$8000.00} OPENED XX/XX/XXXX Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (SC)

Delete these Addresses as I have asked before. They are not my addresses and I never lived there before : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to review this account number, status, original amount, and balance. I think it 's not XXXX accurate and remove this collection immediately from my credit report. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX & XXXX XXXX I am requesting investigation on opening date, date of last activity, and account name. I believe this information may be inaccurate. Remove immediately from my credit file. 

U S DEPT OF ED/XXXX XXXX Begin reviewing the payment amount, status update, account status, and the high balance. This information may be misleading. Immediate removal of this item is required of you. 

U S DEPT OF ED/XXXX XXXX I need the following investigated : payment amount, status update, account status, and the high balance. I believe this information may be inaccurate. Please remove for violating the FCRA. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX This collection is in dispute because the original amount and the current amount do not match my records. Please delete this item immediately for it 's inaccuracies. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a XXXX % accurate. Please remove this collection immediately for its inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not XXXX % accurate and remove this collection immediately from my credit report.
Consumer complaint received 2023-09-16
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. (TX)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a checking account with a promo code. The " Truist Offers '' site displays the following information regarding my enrollment in the promotion : Promo Code : XXXX Enrollment Date : XX/XX/XXXX Account Enrolled ( last 4 ) : **** [ I am redacting the account number ] So, I was successfully enrolled in the promotion. However, today ( XX/XX/XXXX ) I received an email from Truist saying : " we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' And when I log in to my Truist Offers account, it says : " The participating checking account was closed before qualifications were met. '' But the account has not been closed. I am logged in to the account right now through Truist 's website, and the account is very much still open.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX- XXXX XXXX  XXXX -NXXXX XXXX- XXXX
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Hi, I have a store credit card with XXXX by XXXX XXXX. 
The card was opened on XX/XX/XXXX. but approximately after six months ( XX/XX/XXXX ) there was a hard inquiry on my credit report.
Consumer complaint received 2023-09-16
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX  Balance : {$2900.00}
Consumer complaint received 2022-08-26
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. (CA)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA