davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I disputed with Experian on the XXXX, XXXX, and currently the XXXX of XX/XX/XXXX. In my disputes I notified Experian that the accounts that they are allowing the furnisher to report is time-barred ( 3-4 years for the state of South Carolina ) as these accounts are showing delinquent since XX/XX/XXXX and XX/XX/XXXX and must be deleted immediately. Instead of deleting the accounts immediately, ( XXXX XXXX XXXX and XXXX XXXX XXXX ) they allowed the furnishers to update the account which all they did is update the report dates. For XXXX XXXX XXXX, they allowed them to update the balance but I put in a new dispute stating this account was time-barred as well and they completely ingnored the disputed and continue to allow this account to be reported which is a violation of the FCRA. They also failed to do in investigation on XXXX XXXX XXXX as I disputed that I have no knowledge of this account.
Consumer complaint received 2024-02-09
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-02-14
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: Experian Information Solutions Inc. (OH)

This is the third time I have request proof to substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be visavis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXX the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2019-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have financed 5 previous XXXX leases. I have never missed a payment. I decided on XX/XX/2019 to purchase my latest lease. Not only had I paid the lease in full, I had overpaid by {$2000.00} dollars. I am XXXX  years of age and have a credit score Over 800. I received a letter from XXXX  stating they could not approve the request for credit as they could not verify my employment. As a result I had to take a loan with a high interest rate. I have the same employment and income I had for the last 4 leases. The application was with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX. Phone XXXX. This is age discrimination.
Consumer complaint received 2019-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (NM)

I took out a {$300.00} loan with XXXX last XXXX due to financial hardship. Since then I have paid {$910.00}, apparently all interest. I decided to pay off my loan early and went on the company 's website to see what my payoff amount would be. I was shocked to find that I would still owe them {$570.00}. That would be total payments of {$1400.00} on a {$300.00} loan for a five-month loan. {$1100.00} in interest ( I'm no math whiz but that's something like a 700 % APR. I don't understand why this is legal. It should be made illegal at the Federal level.
Consumer complaint received 2017-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Regarding Navient student loan payment ofXX/XX/XXXXof XXXX. I think it is unfair that I have to make this one payment of {$150.00}. The recertification period, starting on XX/XX/XXXX. I filled out the I.B.R. annual recertification on-line. On XX/XX/XXXX I received notice from Navient that they needed a copy of my paystub, which I mailed immediately. I do not have access to a scanner, so I had to mail document. Later I received notice that they needed further clarification. I then had to mail another paystub to them. These delays resulted in this incorrect billing of {$150.00} between the I.B.R annual zero-payments of XX/XX/XXXXand the current I.B.R annual zero-payments for the period ending of XX/XX/XXXX. Your help in resolving this matter would be greatly appreciated. Thank you.
Consumer complaint received 2024-02-09
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)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-09
Product: Credit reporting 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. (TX)

I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please remove this fraudulent inquires from my credit report as soon as possible.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (PA)

In XXXX of 2023, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to Equifax, XXXX XXXX XXXX XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with Equifax. Instead of deleting this account as being inaccurately reported, Equifax allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Equifax also accepted a fraudulent account statement to substaniate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. 
XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX XXXX report I had a! 00 % payment history and XXXX credit score. I believe XXXX, Equifax, XXXX XXXX XXXX XXXX violated the Fair debt reporting act.
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (VA)

On XX/XX/ 2018 a 10 ton 100 foot tall oak tree crushed my living room. 
In the state of Virginia, that means that the lender CitiMortgage holds funds and releases them as progress is made no the insurance claim. 

As of XX/XX/2018, the living room has been reconstructed, painted, etc. 

The CitiMortgage system for managing inspections to get money released is broken. It has been 6 weeks since I started my request for final inspection and release of remaining funds. CitiMortgage would cancel inspections with no contact or notice. When the inspection was done, it was agreed that 100 % of structural work was complete and minor paint touch up was needed for walls and for floor. 

CitiMorgtage has decided that they will not honor the 100 % structural and are stating, without contacting me or reviewing with me. At first they claimed that only a 33 % complete inspection was done ( again their XXXX XXXX XXXX system is broken ) and then they have decided that since there is still some plywood in my living room protecting the floor while we finish any painting and getting money to pay for removal of the damaged baby grand piano ... .they have decided that we are only 95 % complete and as such will not release any funds. 

I am not allowed to get past any phone support at CitiMortgage to talk to an actual person making a decision. 
This has been gong on for 6 weeks. The amount for the remaining funds is about {$22000.00}. 

I am truly dissappointed at CitiMortgage. They come off as a desperate bank that is not interested in letting money, that is not theirs, go.
Consumer complaint received 2024-02-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-15
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. (VA)

This information is being sent by me, not a third party. My proof of identity, and address are attached. On XX/XX/2020 I sent a certified letter with return receipt to XXXX. They have sent the return receipt back but as consumer ignored the requested of proof. I have attached along with this statement the letter I sent. I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by law to verify through the phyiscal verification of the original signed consumer contract. Under FCRA I requested verifiable proof that they had on file of ( an original Consumer Contract with my signature on it ). Because of there failure to do so by law under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, they must remove the items of the accounts I listed : 1 ) XXXX XXXX ( 2 accounts ) : sitll on my credit report supposed be deleted 2 ) XXXX. XXXX XXXX Company : still on my credit report supposed be deleted 3 ) XXXX XXXX : still on my credit report supposed be deleted 4 ) XXXX XXXX XXXX : was deleted 5 ) XXXX XXXX XXXX : still on credit report suppose be deleted There failure to positively verify these accounts has hurt my ability to obtain getting a house and other credit. As actived military solider serving my country this has cause me and my family much sadness. None, of the credit agencies, creditors and collection companies have given me proof of what I requested in writing. So, by law these items should have been deleted if this proof wasn't given.
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (AL)

I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 2019-02-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently had my credit report pulled on XXXX XXXX and I noticed there were several hard inquiries that were removed and have been reinserted. I called Experian and spoke with a US representative who removed those hard inquiries. I NEVER received a 5-day notice which is a FCRA violation. I am requesting that all hard inquires that are being incorrectly reported be removed IMMEDIATELY.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

On XXXX XXXX I sent a dispute letter to Penn Credit Corp in regards to innacurate information they were reporting on my credit report and demanded the four accounts be removed if they are unable to verify these accounts. 609 ( a ) ( 1 ) ( A ) the original creditor XXXX XXXX XXXX, and the collection agency Penn Credit Corp are required by federal law to verify through the physical verification of the original signed consumer contract. Under this section unverified accounts must be removed and neither party has provided me this physical proof, but still has ability and or authority to report these accounts. I will be filing a police report with the local police department regarding the fraudulent accounts being reported. I have also spoken with a customer service rep from XXXX XXXX XXXX the original creditor, on XX/XX/XXXX, I explained to the agent that these accounts were not setup by me and your reporting is inaccurate and fraudulent ultimately the representative was happy to file a fraud case on behalf of these two accounts and the representative explained anyone can call to setup a service account all a fraudster would need is a name and a social security number she informed me that I would also need to file a police report ( which costs money ) so I will be filing four of them tomorrow. The collection agency Penn Credit Corp is also being sued by me at this time for violating debt collecting laws. They have sent me threatening letters on two occasions afterwards I sent these letters to my attorney whom filed judgement under these unprofessional violations. I have written them back disputing the validation of this debt they just continue to send copies of bills and because through some system consumers are not suppose to know about, these collection agencies can certify validation through some miscellaneous means and the Credit Bureaus are just as corrupt.
Consumer complaint received 2024-02-09
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I keep disputing a debt collection listed on my Equifax report. It shows that XXXX XXXX XXXX collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included XXXX. This account should be listed as included in bankruptcy and not a collection account. XXXX and XXXX both removed this account from my credit report. The only one that will not is Equifax.
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

1. This company is calling me up to 13 times per day using a variety of different numbers from all over the country that come through on the Caller ID. If you send the call to voice mail, many times they will call immediately back. 

2. This debt is being reported twice on my credit report. The original creditor is reporting it and Portfolio Recovery is also reporting the same debt. This makes me look like I owe more than what I do and that I have two, instead of one, accounts in default. This is unfairly further damaging my credit.
Consumer complaint received 2019-02-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

I applied for loan forgiveness as I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX. I applied under the Public Service Worker forgiveness program only to be told that my loans did not qualify because they were not direct loans. I originally got statements from Sallie Mae that changed to Navient. I have seen the lawsuits against Navient and believe I am one of those affected.
Consumer complaint received 2024-02-09
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)

On XX/XX/XXXX I received an alert on my credit monitoring services. It states that my credit had been pulled for an auto loan. I had not authorized any XXXX or did a credit inquiry to purchase no vehicle. I called and was told to call my credit bureaus. As I called transunion they refused to remove inaccurate and erroneous information. I stated to XXXX XXXX that I have been dealing with a stolen identity since XXXX and that I have been a victim of identity theft. I advised I could provide a copy of my police report from XXXX and they refused to remove this fraud activity done on my credit report. 

The fraudulent inquiry is below XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (AL)

To whom it may concern, I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with your company Source Receivables Management? I have never done business with your company, I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? 

I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you not obligated by law to remove this account from my credit file. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Attached is my legal documentation from the FCRA, please remove this account as soon as possible. 

Remove this account from my credit file : Source Receivables Management {$2400.00}
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (IL)

I keep disputing a debt collection listed on my XXXX  report. It shows that Trans World Systems collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included TWS. This account should be listed as included in bankruptcy and not a collection account. XXXX  and XXXX both removed this account from my credit report. The only one that will not is XXXX.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I settled a debt with Portfolio Recovery Associates for two Debts that I had with them and one account still shows that I didn't pay it off. Secondly, part of the agreement was the specific individuals for all three credit bureaus were going to contact them to verify settlement and when they tried to call they said they don't talk to third parties even and that I need to contact them with a fax to authorize third party communication. With is not correct becuse I did as part of the agreement was tell them that I do authorize the bureaus to cotact them.
Consumer complaint received 2022-08-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent off an investigation request letter to XXXX certified mail on XXXX. They received the mail on XXXX. I asked them to do an investigation on the list of accounts that are on credit reporting. It's been 30 days, and I haven't received a response from them ; here is the Tracking # : XXXX