davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (NY)

I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (PA)

After signing up with Discover in XXXX, I was unknowingly signed up for " Payment protection '' which charged me XXXX for the service. At the time, this was my first credit card and was hardly used. Over the next XXXX years, I used the card sparingly and always kept the amount charged low, resulting in minimal and unnoticed " payment protection '' fees. It was not until the past XXXX years that I began using the card more frequently thus having higher payments each billing cycle. After closely inspecting the most recent bill, I noticed a high charge for the payment protection program. Not having remembered signing up for this policy, I contacted Discover and began researching the fee on the internet. Discover tells me I signed up for it when I signed up for my card in XXXX. I also find out that shortly after the time I would have signed up, Discover faced legal action over deceptive marketing of this policy. During my call with Discover, they were unable to provide me with proof of my informed consent to enroll in the payment protection program. Discover offered a reimbursement of XXXX billing cycles, which I feel is far too little. If Discover faced legal action and made a large settlement payment in XXXX, after I was enrolled in the program, why was I continued to be enrolled? Why was I not notified that I was enrolled in a program that was the focus of such enormous legal action due to deceptive marketing? I feel that Discover was knowingly deceptive when signing me up for my card and willfully negligent following the settlement as they should have reached out at this time for informed consent, fairly and clearly, after enrolling me fraudulently.
Consumer complaint received 2021-12-02
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2020-07-29
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: Equidata, Inc. (FL)

I just Check my Credit and I notice some fraudulent Activity. I have  Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation
Consumer complaint received 2019-03-13
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. (NV)

I sent a dispute to XXXX, Experian as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus on XX/XX/2019. I still have yet to receive anything from either XXXX nor Experian. I did receive a letter back from XXXX and I will continue to dispute with them. 

My Concern is that it has been over 30 days and XXXX  and Experian has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately XXXX Account # XXXX
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

I've tried to contact barclays about a purchase made on XXXX XXXX XXXX  from XXXX XXXX XXXX and couldn't be helped by this company. I made a purchase from XXXX and the business later on sent me an email saying that an error had happened and one of the items I've order was out of stock but didn't show it on the site. I then had them cancel that item for {$7.00}. After multiple contacts with the business, they all told me they see the mistake they had made, which only gave me a partial refund of {$2.00} they said they would fix it. Weeks went past as I watched my credit card statement and no correct refund was applied, I kept contacting them ( 3 times in all ) and each person told me the same thing, that they see the mistake on their side but is refusing to correct the issue maybe in hopes I'll give up so they can scam me out of a few dollars like maybe others. Well today ( XXXX ) I've tried to contact barclay and they too are refusing to help me get my refund back of {$5.00}. Sad that no one can assist with a {$5.00} refund and I have to come here.
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (GA)

After reviewing my credit profile in XX/XX/XXXX, I identified a discrepancy with the account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again in XX/XX/XXXX and the account continues to reflect on my credit report. nor has my credit report been updated to reflect that the account is disputed/deleted. I find that the creditor does not have the authorization to access the account nor authorization to attempt to collect on the account and the account continues to NEGATIVELY affect me. Several laws/ codes have been broken as I have all right to protect my personal information. Please REMOVE / DELETE this account effective immediately from all credit bureaus ( XXXX, XXXX, XXXX ) In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. 15 USC 1681B : 15 USC 1681S2 : Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681i ( 7 ) : 15 USC 1681e ( b ) and Cares Act has resulted in an FCRA violation
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

Dovenmuehle Mortgage Company is refusing to remove the PMI from my mortgage payment /escrow account event after my property 's " As Is '' value ( as referenced from Dovemuehle 's documentation ) brings the LtV well below the company 's required LtV of 80 %. 

I have recently had an appraisal done which indicates that my property 's value is $ XXXX ; this appraisal was not ordered by Dovenmuehle. While Dovenmuehle does require that they order the appraisal, Dovenmuehle has provided me with documentation which confirms that they are aware that my property 's LtV is well below 80 % without the need for an appraisal. 

I have made several attempts to resolve this matter with Dovenmuehle, but they continue to give me the run arounds, and appear to be calculating the LtV using my loan balance - loan amount versus loan amount - property value. 

I have emails and documentation from Dovenmuehle which confirms the dates and amounts in question.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MA)

I am XXXX XXXX XXXX and have had a XXXX XXXX credit card since I was XXXX. The only reason I have n't cancelled it is because of the account length and positive effect on my credit. my first problem was when they changed parent banks ( to XXXX ), certain payment dates ( including the one I had set up for my acct. ) were " no longer available '' according to them, so they took it upon themselves to automatically change my due date without notifying me! Causing me to be late that first month. And now, this is the 4th time I have had to call to cancel the " credit protection program '' that they keep sneakily, automatically, enrolling me in without my consent. They have one scam after another going on over there, and it needs to be addressed.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXXXXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT 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
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (LA)

I have reside in XXXX XXXX for 26 years I was evicted XX/XX/2016 and left an rental balance of {$700.00} a few days later after the eviction i received an notice stating the balance was {$7900.00} stating that i destroyed that apartment in XXXX. XXXX XXXX XXXX I have live in that particular apartment for 10 years with no repairs I've talked to the manager XXXX XXXX XXXX on several occasions trying to get this issue resolved she have stated that there were a video and pictures of damages from that unit and she have not produce and evidence stating the damages happened. After a year still trying to get this resolved she stop taking my calls I reached out to XXXX XXXX corporate office XXXX XXXX XXXX XXXX she stated that the account went to XXXX Law Firm Debt Collector XXXXNational Credit Systems XXXX this account has been bounce around to several debt collectors I've disputed this debt several times and it has come back to me as my debt is continue to show current all i owe is the balance due of the rent {$700.00} the other debt is not mine I've asked for a copy of the video and pictures which XXXX XXXX the manager of XXXX XXXX  can provide to me. This debt has cause me to not qualify to buy a house and also i can not rent an apartment. I would like this debt to be cleared from my credit report and
Consumer complaint received 2016-11-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

XXXX 2016 of this year, I Became unemployed lost my job, me and my wife immediately notified our lender freedom mortgage, about the situation. We submit the proper paperwork over 5 times now. applying for so called programs that they offer. the first time there underwritter lost all of our information. We have been going through this process since XXXX of 2016 and every 30 days they need us to submit the same paperwork or make a payment by a certain date. We are making payments and they are not applying the amounts that we send in to our loan, so that they can continue to collect interest on our loan
Consumer complaint received 2021-06-15
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. (TX)

I sent a letter dated XX/XX/XXXX to TransUnion to dispute unauthorized hard inquiries showing on my credit report for XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, these inquiries for XXXX XXXX  and XXXX XXXX  are still showing on my credit report. i contacted TransUnion today, XX/XX/XXXX, anbd spoke with a representative to dispute the inquiries and I was asked if I had already sent in a letter to dispute the inquiries. I let the rep know I had already sent in a dispute letter for these items. I was told by the rep that he could not see the documents and would need to transfer me. Before transferring the call, the rep stated he did not know what the next rep would be able to help me with but he just needed to transfer the call because he could not see the letter I sent. My call was then transferred and I spoke with a rep stating his name was XXXX and he was a supervisor with the specialized fraud team. XXXX asked me for the dates of the letters I sent. I told XXXX I sent a letter dated XX/XX/XXXX to dispute the inquiries. I also told XXXX I had sent letters after XX/XX/XXXX to dispute other items. XXXX told me TransUnion had not received any letters from me in XX/XX/XXXX through todays date, XX/XX/XXXX. I have attached the letters that have been sent to TransUnion since XX/XX/XXXX. I am unsure of how none of the attached letters have been received when corrections to unverified and inaccurate items showing on my report has been made resulting from the letters I have sent that are attached. Due to the mishandling on my call today and TransUnion reporting inaccurate, unverifiable, and unauthorized information on my credit report TransUnion is blatantly violating my consumer rights. I am requesting that these unauthorized inquiries on my credit report be removed immediately.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

i applied for a mortgage forbearance with Select Portfolio Servcing through the COVID Pandemic and has applied to the company for a Mortgage Modification and have been denied and the only thing offered to me was a short Sale of my home. It is my desire to stay in my home and not loose my home. 
I have found a HUDCounselor to help fight this issue and I need assistance in this matter. Attached is the Loan Information.

Borrower Name ( s ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX Due By XX/XX/2021 : {$64000.00} Thank You
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

XXXX XXXX is reporting incorrect information. I have requested several times to provide information that I received the student loan, I was not given this loan nor am I responsible for the loans. This is erroneous reported and have ask the Department of Education to investigate the matter.
Consumer complaint received 2019-07-12
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. (MN)

I went to my bank to open a credit card so I could start my credit score because previously Ive never had one. I was told I had a XXXX Card with my SS number on it and it says that I have terrible credit because of that card. Ive never had a target card or any card. I called XXXX and they said my mother had put me under her name without my permission. My parents then didnt make payments to the card and now I am stuck with bad credit when I wasnt even aware. She open the card in XX/XX/XXXX and then took me off this XX/XX/XXXX. I was unaware of being put on or taken off of the account and I have bad credit because of other peoples actions and without my consent. I want that card action to be removed from my credit score. I did not contest to have that card nor the consequences that came because of it.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

Received a letter from Caliber Home Loans of payments changes without given explicit explanation of the payment changes. If the change is because of escrow or taxes, they should provide the possibility to pay that adjustment. I believe to just notify changes without explanation is a really bad practice of the mortgage company, which can allow making any changes potentially illegal charges. As a matter of fact, I will pay interest for that amount because of this bad practice.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Freedom Mortgage Company (NJ)

I got a pre-approved home equity letter from Freedom Mortgage Company ( XXXX XXXX ) of NJ. They made this offer because " I am a XXXX and a home owner. But I 'm not a XXXX. I worry they soliciting people under the guise of " thanking a XXXX. '' I have the letter if you wish to see it. Thank you.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of J.A. Cambece (MA)

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (MS)

This is a letter that I just sent Americollect. I am enclosing all of the attachments that shows the bills and the other correspondence. 

Americollect, I am enclosing all of the attachments that You requested.I called the other day to pay a {$160.00} and a {$150.00} bill that is showing up on my credit reports. I agreed to pay it because the dates of service are different from the dates of service that I have charity for. I am enclosing these charity letters.The girl that I talked to on the phone took a payment of {$310.00} over the phone. What I did not know is that she did not include the {$160.00} on this payment, but switched it to the other small bills, that I have charity for. I want the right bill ( {$160.00} ) credited, and I want both of these bills that I paid taken off of my credit reports.I also want you to review my charity letters, and close my file.Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

i keep telling them that debt that they bought from other company is bad debt and the account was closed because of fraud charges were made and the account was paid in full but they won't work with me and remove that debt from my name they keep reporting false information to the credit bureau and it's affecting my credit score very bad, i sent them pictures of payments but they won't  accept it and remove the account/debt from my name
Consumer complaint received 2021-12-02
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. (NY)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing a Notarized affidavit, Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I reached the standards for Blocked and Removed information on my credit report under 15 USC 1681c-2.
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MO)

This collection was re-inserted on to my credit report after years of not being there, I had previously disputed and had removed being as I do not believe it was ever mine. I was never notified of intent to place as collection on my report and they have not sent any verification to me. I have never received anything in the mail from this collection agency. When I contacted them on the phone they tell me the debt is verified although the company who is the original creditor is XXXX XXXX and I'm a current customer and they tell me that they have no record of me having any other account nor do I owe them anything.