WillisBack/dataset-financial-user-claim huggingface dataset:
>>CONSUMER COMPLAINT <<<

                                        

              EXPERIAN CONSUMER ASSITANCE SPECIAL SERVICES (CASS)

Dear CFPB:

        Pursuant to USC Title XV Consumer Protection Act 1681 the Fair Credit Reporting Act and the laws of Connecticut. Experian failed to check the veracity and accuracy of information before reported recklessly and intentionally failed to conduct data quality test and use reasonable care in the course of doing business. Violating the Fair Credit Reporting Act Title 6, Section 607 (b). failing to follow reasonable procedures and run data quality control checks on consumers file particularly accounts listed as XXXX, XXXX XXXX.

        EXPERIAN performed its obligations in a willfully, reckless and illegal fashion in violation of the Act and failure to maintain reasonable procedures and conduct validity and accuracy data quality checks to avoid violations of 605 of the Fair Credit Reporting Act and Fair and willfully ignoring provisions of the Fair and Accurate Transactions Act.

        EXPERIAN knowing the conduct of there business supervised, monitored and further communicated credit account information to creditors, redacted account history on numerous student loan accounts after consumer disputed inaccurate address information supplied by creditor, and placed additional disputed accounts in certain codes to not allow consumer to further dispute online without contacting EXPERIANS consumer assistance special services division (CASS), a legal division in their dispute center. Experian willfully placed consumer file in a department who was hostile to consumer. Consumer alleges unscrupulous activity by their consumer assistance special services representatives, acted in concert and joint venture with others at EXPERIAN to retain inaccurate account and data information, status and caused further pollution into consumer credit file and periodic damage to XXXX and XXXX scores.

        Experian manipulated information, intentionally communicated false information, altered changed and entered codes un-rating accounts, entering false negative account history, and deleted XXXX credit card and then removing such adverse data unknowingly by consumer.
A company by the name of student loan relief department informed me that I would be able to get a $ XXXXmonth student loan relief plan if I paid them about {$2000.00} for their services for filing the annual paperwork ( broken up into {$35.00} payments over four years ). I was referred to this company by my little sister and her spouse who have also enlisted this company 's service. After contacting my federal student loan company, I was made aware that is program is a scam and does not forgive my student loans. The fraudulent company has my social security number, applied for loan forbearance on my behalf and even provided me with a fafsa pin and username. I have since changed my fafsa pin and username, am currently monitoring my credit and will be cancelling my bank account that I have given the company to withdraw monthly payments from. When contacting their customer service to try to cancel services with them, I either get hung up on or I am on an indefinite hold. Even when contacting the original representative that I spoke with to set this agreement up, conveniently his phone goes straight to voicemail and his mailbox can not accept any new voicemails. After speaking with my loan provider, I found out the service that this company provides is available for free and has to go through the loan provided to be valid.
I was contacted by Hillcrest-Davidson about a prior accountant that I had with XXXX XXXX XXXX. The previous contracted had been fulfilled and I was no longer paying XXXX. I was never sent any communications from XXXX about any kind of auto renewal, which the representative at Hillcrest repeatedly keep referring to as she was talking over me and never letting me get a word in to explain. I was contacted again by a second rep after advising the previous to never call me again that the debt was fulfilled and paid. The second rep began to badger me from the very beginning of the conversation. They called me on a phone number that was never given to XXXX as a contact number. It was a mobile phone that I use strictly for business. When asked how they got the number I was told that " it does n't matter how we find you. You need to learn to pay your bills ''. At this point I was extremely upset to be disrespected and badgered. I gave the representative a very good piece of mind and immediately hung up. I believe these tactics are not condoned by the FCRA. I request that you have this company delete their presence from my credit bureau and correct my reporting and score. My credit was very great until these predators came along. I was also never given any written verification of the contract with the auto renewal or any correspondence from either company. I was called out of the blue. I still have not received any written verification of any debt owed.
They are calling for someone I have never heard of and wo n't stop calling. 

They often disconnect the line after I answer the phone.
I recently was in the process of refinancing my Wells Fargo mortgage with another lender. Although, Wells Fargo advised me to continue to make my payments even though the home mortgage would be paid in full, on XXXX XXXX a Wells Fargo collections agent told me that since my Loan was due to be paid in full she would notate my account so that my XXXX and XXXX payments would not be reported as a XXXX day late. The Collections agent also stated that if my credit was affected by a missed payment that she would have it removed. At the time I needed the money from the XXXX payment to make an unexpected repair on my home in order to close the mortgage refinance. Wells Fargo ended up putting a XXXX day late notice on my credit report which dropped my score XXXX points. They also refused to remove it from my credit report claiming that it is not their fault their collection agent told me she would ensure my credit would not be affected on XXXX XXXX.
Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit during the time. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.
XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.
My partner and I have a mortgage with Sierra Pacific Mortgage, 1 XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. Their phone number is XXXX. The monthly payment is {$2300.00}. We routinely split the mortgage and send in two checks and have had our mortgage for 5 years with them. This month, I made a mistake on one check, wrote out the wrong amount, though I did put the correct amount in the numerical portion of the check. I mailed the two checks in on time, they arrived with four days to go. I just found out today that Sierra Pacific would not accept the check that was in error ( but cashed the correct one ) and simply put a late charge of {$85.00} on my next month 's statement which I received on XX/XX/XXXX. I am a senior, living on a tight income, and {$85.00} is a hefty punishment to pay just because I likely had a senior  moment and made a simple mistake. I'm also amazed no one at the company contacted me by phone or email when the mistake was noted, which would have given me time to correct it before the payment was considered late. I called and spoke with a supervisor at Sierra Pacific today - she refused to consider waiving the late fee - I had a one-day late payment last year ( first and only one with them ) and they waived the late fee on that one last year, and she explained to me that their policy is that on a 30 year loan, they are only allowed to offer just one waiver in 30 years. I emphasized that my payment was not late, it was just a stupid error, that could've been quickly corrected if someone had notified me. I feel being stuck with a {$85.00} penalty is a punishment that does not fit the crime. Can CFPB help me with Sierra Pacific to get the penalty fee either waived or at least reduced? I see a major difference in missing a payment and sending one in on time but making a simple mistake. Thanks.
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the US XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Equifax had a breach of my sensitive, confidential, identifying personal information contained within involuntarily required credit reports in XX/XX/XXXX, and did not inform me of this breach until XX/XX/XXXX. This compromised my identity & financial security for over 6 weeks while they had knowledge of it which negated my ability to take actions to protect my identity and finances during that time. They have indicated they will offer free credit protection services to all Americans, however they require the aggrieved customers ( albeit customers who had NO CHOICE in being such ) initiate protective action rather than initiate the protection for the customers and let those who wish to refuse the protection take the initiative to contact Equifax and have it removed.
Furthermore, after numerous attempts to speak with a customer representative by phone on XX/XX/XXXX ( to no avail ), was unable to get beyond an automated phone system that disconnected and/or was never answered after numerous attempts.
I write this letter with the hope that someone in your agency may be helpful to assist me/us in the resolution of a longstanding issue we 've been experiencing while in the process of negotiating a short sale on behalf of Mr. Realtor 's client : Homeowner Mr . Homeowner is a diplomat with the XXXX government. XX/XX/XXXX Mr . Homeowner was forced to relocate his family to XXXX on assignment to fulfill his Consulate duties. Since the above mentioned property 's value was considerably less than the current market he hired Mr. Realtor XX/XX/XXXX to proceed with a short sale. A complete short sale package was submitted to the 1st lienholder ( SPS ) XX/XX/XXXX. 
Mr. Realtor proceeded with marketing the property for sale via the local *REALTOR 's Multiple Listing Service ( MLS ). 
During the period between : XX/XX/XXXX - XX/XX/XXXX Mr. Realtor procured three separate buyers through his marketing efforts. Each buyer canceled as a result of an inordinate amount of time waiting for this transaction to be granted an approval by the 1st lienholder ( SPS ). The reasons for the delays were varied - from the net proceeds being insufficient, documents required to be updated to Broker Price Opinions ( BPOs ) expiring due to the lengthy process. Finally, after procuring the third buyer an approval was granted - XX/XX/XXXX. By this time the buyer in question was forced to cancel because he could n't afford to wait any longer as his living conditions were temporary and he needed to renew a lease. The property was subsequently returned to the MLS and another buyer was procured as a result. 
By this time since the seller 's net proceed was known in accordance with the approval granted with the previous buyer - Mr. Realtor saw no reason why a subsequent approval would n't be expedited as identical terms were negotiated to protect the net proceed amount required by the lienholder ( s ). 
Until today SPS has not provided us with an approval giving the most unreasonable excuses. It appears that SPS has not trained their employees properly when it comes to loss mitigation guidelines and procedures specially for the State of NV. 
Therefore, I 'm reaching out to your agency for help since we have done everything within our ability over the last twenty two months to complete this short sale - procuring four separate buyers - providing all the required documentation - only to discover SPS failure to perform in accordance with loss mitigation guidelines that are in place for the state of Nevada. We believe Mr . Homeowner 's consumer rights have been violated. SPS has made this client feel unprotected by this unfortunate situation. The homeowner " Mr . Homeowner '' is in distress as he is a foreign diplomat who is obviously concerned about having a foreclosure on his record.
issue started with   XXXX   in  XX/XX/XXXX  / XX/XX/XXXX  and  several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  an d companies are harassing and threating me. I had documents from  XXXX  that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One company is  XXXX /spears Dewitt  hall  XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years old  and continues to come back and ruin my credit. please contact me asap  XXXX
I signed up for a card that advertised 0 % interest on purchases for 15 months. I accidentally selected the wrong radio button and paid the full amount due instead of the minimum payment. I called up AMEX and explained the situation -- they offered to refund my payment and assured me that the balance would remain at 0 % for the remainder of the 15 month period. When my statement closed and I saw XXXX of dollars of interest charges, I called them up to ask them what happened -- after much investigation, the agent explained that the balance on the card had n't been placed back at 0 %, but that he was submitting a ticket to fix the issue. He also refunded my interest charges and told me that he was extensively notating my account with the resolution. Assured that the problem had been fixed, I did n't worry about it again until I saw the next month 's statement with even more interest charges. I called up AMEX again and this time, despite having XXXX previous agents telling me the balance should be at 0 %, they told me that there was nothing they could do about the issue and that I would either have to pay off the card or continue to accrue interest charges. It is incredibly disingenuous of American Express to repeatedly assure me of one thing, and then purposefully do another. It 's bad customer service and it 's bad business, especially considering that I 've been an AMEX customer since 2001 and have spent XXXX of XXXX of dollars on AMEX credit/charge cards.
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX contacted my husband and tried very hard to convince him that this was my student loan debt. My husband knows we are timely with all of our payments and did not believe them and told them I would call them back. When I called them back, they could not verify the account number given to my husband, they could only verify his phone number called ( red flag # 1 ). I explained to the lady that this was not my loan as I consolidated years ago, she proceeded to tell me that loans fall through the cracks and I needed to pay ( red flag # 2 ). I told her flat out this is not my loan and that she is committing fraud. She asked me to verify my social, I refused, she gave me my social ( red flag # 3 ), she asked me to verify my address, I refused, she verified my address ( red flag # 4 ). I asked her for proof that this loan was mine, she asked me for my email and I refused. I told her she has my address she can mail it to me. This has caused me so much stress. I thought this would be the end of the situation, but on XX/XX/XXXX, I received a collections letter ( in my maiden name ) stating an account balance of {$9900.00} with the Original Creditor as Bank of America. I have never banked with Bank of America or pulled loans from them. This debt is not mine, I regularly check my credit report and have never seen this debt. I also confirmed by checking the National Student Loan database and it is not listed. I receive numerous calls daily, which I do not answer, please help resolve this fraudulent debt and have them stop harassing me and my husband. Thank you.
Before applying for a Bank Americard Cash Rewards Card, I was told " your interest rate will be determined upon approval '' and told ... '' you may cancel the card if I am not happy with the interest rate. '' I applied for the card and received notice saying " your credit application has been approved with a {$13000.00} credit line. '' There was not mention of the interest rate as promised. I consider this false advertising. 

I called, no one could tell me what the interest rate was, and I was told to wait XXXX weeks until the card and paperwork arrives. I would have not applied if it took weeks to find out what the interest rate was. 

I find this totally offensive that they tricked me into applying then make me wait. In the meantime, my credit score drops because of their checking so I am TRAPPED with no card having to wait to see what the interest rate will be, before applying for a card elsewhere. This is a total strong arm lender biased transaction that is unfair to all consumers. BOA should be required to tell me the rate BEFORE applying or at the same time they give approval.
They call repeatedly about an old debt that is not owed. They threaten further action. Yell at me and make derogatory comments. Calling cell phone without permission. They end up hanging up when I try to tell them the debt is no longer valid.
I went to their website yesterday, XX/XX/2017, and attempted to make my payment a day early. Did not show that payment had been processed instead showed " error in processing ''. I clicked the cancel so as not to make a second attempt. When I checked my bank this morning,XX/XX/2017, I found that they had removed TWO payments! I was NEVER notified that there would be two payments deducted. In fact, their website said there was an error in processing and I never received any notification from them. I spent the entire day trying to work with them as we are now left with a negative bank account and {$0.00} dollars. I have NEVER missed a payment with this company! I never had any intentions of making and additional payment. I was merely try to pay my payment a day in advance.
This has got to stop, now we are going on month four, I have disputed the fact that TransUnion has me under XXXX XXXX XXXX XXXX ( the second ) when have you ever seen a lady be the second? I have disputed this several times and some inaccurate data listed on my personal credit file and I'm getting no where. They just ignore my request. Please help I have all the responses where nothing was done and still inaccurate data
I file a dispute with Equifax regarding some public record judgements that did not belong to me and they stated the information was verified by the courts and public record information. After speaking with the courts about the verification they stated that they do not verify information and that sometime the bureaus may send someone to verify but the only information they can verify is the name because they do not record addresses or personal information in most cases. 
I then spoke with XXXX XXXX at Equifax about how they verify information, he then stated they send it through the electronic system, my question to him was if its done electronic how can you verify it because personal information is not public record and that all the information such as name, address, date of birth and social security has to match up, he continue to say its public record, there was no real answer but they continue to use the same information that was previous disputed.
I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department.
There are several inquires that just hit my credit file and I did not apply for any of these XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
This company SYNCB/CARE CREDIT has reported in my account an old credit card from 2009 on my report says its closed but labeled revolving. Also when calling them to try to resolve this issue they say they sold it to XXXX XXXX. When trying to get ahold of that company they are no longer in business. So my question is how am I supposed to have this removed from my report if they wont even let me work out a payment arrangement or give me more details on the account?
For more than 5 years I carried a balance in excess of {$5000.00} with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In XXXX 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received another call ... .again indicating my account was delinquent. I explained the situation and was transferred to a manager, who again told me that the balance would be removed. The account was closed at my request. I reviewed my credit report last week and discovered I have a delinquent charge on my account from U.S. Bank, drastically reducing my credit scores. I would like the delinquency removed from my history and my credit restored.