davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
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: Experian Information Solutions Inc. (NC)

Appeal appeal appeal cfpb Re Experian I have attached all the 4 names of different variations that have been sent to me since my initial report pulled up online XX/XX/XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received attached emails stating valerir name attached to a membership id # XXXX XXXX XXXX I received email another email with the XXXX  name regarding experian credit works THANKS FOR CONTACTING THEM. I have only been able to communicate with experian thru the cfpb due to either non answering looping automated phone system that won't transfer you to a human or no fax number answering of the three different phone numbers of experian credit reporting agency listed online. 
Here are the screenshots of four different names that experian has reported me under. the question is again experian ... why is my personal US CITIZEN NAME been either changed by unknown entity or person or experian is reporting me under FOUR NAMES. THEY ALL HAVE DIFFERENT INFO on them. One actually deleted the fraud XXXX XXXX XXXX loan # XXXX at XXXX pet month that I was disputing but IT WAS A XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX VA LOAN # XXXX AT {$680.00} PER MONTH that needs to added. Please experian advise me Is experian reporting me under 4 different spellings and versions of my name XXXX XXXX XXXX XXXX XXXX OR ... did someone contact experian and fraudulently change my name four times in one year ... Simple question experian ... please answer it ... XXXX.also who is the creditor SO I CAN CONTACT THEM as per your suggestions online under experian as per attached screenshots of that verbiage stating I quote ( IF THERE IS A WRONG ADDRESS ADDED TO YOUR REPORT IT MAY BE  A SIGN OF FRAUD AND IDENTITY THEFT!!!!!!!!! EXACTLY EXPERIAN MY IDENTITY THEFT is registered with the FTC AND I REPORTED TO EXPERIAN IN XXXX XXXX XXXX!!!! ) that reported a fraud address of XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX name experian report
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I had a regularly scheduled payment above the monthly minimum. Then the monthly minimum was changed without notification and the annual rate stayed the same. My monthly payment of {$35.00} did not cover the sudden change from the former minimum of {$32.00} to a new minimum of {$43.00}. Then they began adding late fees.
Consumer complaint received 2020-02-01
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. (CA)

i was reviewing my credit report today XX/XX/XXXX When i came across 11 inquiries that i did not apply for. I called every single company that made the inquiries and told them that i have been a victim of Identity theft because i was not there at there store during the time the inquiries were made. 

I called all these companies today and they told me to contact the three major credit bureaus. I did contact all the bureaus but Experian would not remove them i have filed a valid police report with the XXXX XXXX police department regarding this matter. 

I DID NOT APPLY FOR THESE INQUIRIES XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I faxed Equifax for the 2nd time to remove my extended fraud alert. I also included supporting documents up my state ID and Social Security card, a total of three pages and faxed it to XXXX As of XX/XX/XXXX the extended fraud alert still remains on my CBR. Please advise
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MS)

On XX/XX/XXXX, I applied for the Discover Business credit card and was denied. A hard inquiry has now been added to my credit report from Discover Bank. When I called Discover Bank on XX/XX/XXXX, I was informed that my application was denied due to the status of a previously closed credit card account with Discover Bank. I proceeded to reasonably ask that, if my application was immediately denied based on information already in possession of Discover Bank, how could there possibly be a legitimate reason to complete a hard inquiry on my credit report? The employee I spoke with was unable to give me a valid answer. There was no reason for Discover Bank to do a hard inquiry on my credit report because, as is obvious, Discover Bank denied my application due to information they already had.
Consumer complaint received 2020-02-01
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. (NC)

On XX/XX/XXXX a complaint was filed with Consumer Financial Protection Bureau with XXXX XXXX XXXX XXXX disputing the information that is being provided to all 3 credit reporting agencies concerning a previous auto loan, account # XXXX In that complaint I requested that XXXX  remove the negative info reporting that my account went 60-90 days past due. My payments with XXXX were due on the XX/XX/XXXX of  each Month and a late fee would apply only if payment were not received on or before the XX/XX/XXXX of the following month. 

XXXX  further stated in their response to my original complaint that the delinquency was reported due to " no payment being received in XX/XX/XXXXor XX/XX/XXXXwhen in fact a payment was posted on XX/XX/XXXX for {$360.00}, and the XX/XX/XXXXpayment was posted on 08/26/2019 well within my 30 day grace period. Payment schedule to follow. 

There has been a 2nd complaint ( XXXX due to the fact that I have called XXXX XXXX, faxed them and sent an email and this issue has still not been resolved. 

The Fair Credit Reporting Acts state that a creditor must report accurate and complete information to all available reporting agencies! My rights are being violated due to XXXX XXXX refusal to treat this matter as urgent and to correct the errors they are reporting Enclosed you will see that not only is XXXX XXXX reporting inaccurate info, they are not even providing consistent info to the 3 reporting agencies! 

Please also review the account summary of payment history from XXXX XXXX where it clearly shows a payment on XX/XX/XXXX, XX/XX/XXXX and the very last payment which PAID OFF my loan on XX/XX/XXXX. You can also view where XXXX credited my account which were $ XXXXeach, on XX/XX/XXXX for ( {$35.00}. ), yet XXXX reported to Equifax that payment was 60-90 late! 

I need this information updated as sson as possible to ensure my appliaction for a mortgage will make it through underwriting so please understand the urgency inwhich I am writing!
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

To be fair, my letter to Citi 's Executive office went out just recently. I could not find an email or online form ( why not? ), so it went out via USPS mail. 

I have taken advantage of multiple Citi USPS mail offers over the case of the last 2 years always reading the terms of these offers and ensuring that I remain within those terms. When applying for one of these offers I have provided 100 % accurate personal information and in most cases with my excellent credit score, have  been instantly approved for each card. On one occasion Citi did require me to call in to verify my identity ; easy and I was approved. For each card I met the spending requirement and was awarded the miles for that spend and the mandated bonus. So far so good. These have been XXXX XXXX branded cards. Interestingly, the offers stopped coming sometime in the summer of XXXX so that was the end of offers. So I thought. 

On XX/XX/XXXX I received an email from XXXX XXXX Corporate Security announcing that my account had been closed, my total of XXXX miles taken and I was no longer eligible to participate in their frequent flyer program again. And an upcoming flights had been instantly canceled. The letter seemed to be a form letter with clips from some terms included, but there never was an exact, explicit claim explaining what I had allegedly done. From reading online I gathered this was because of the Citi offers I had taken advantage of. Yet I complied with all of the terms of the mailer offers I received ( I went back and double checked ) and Citi approved me for each and every offer. The vague claims included fraud, misrepresentation and somehow exploiting something. Again, not clear at all what I have done to XXXX XXXX to warrant this action. 

So, yes, XXXX  was the actor that seems to have caused this issue. Yet my problem includes and was apparently caused by Citi. I can't say to what level Citi was involved, but the fact that XXXX XXXX has punished me for my interactions with Citi? I want to know what part Citi itself had in this scheme. If Citi is issuing XXXX XXXX credit cards and yet XXXX can decide to close accounts and delete the miles earned from these cards then there is something wrong. In fact, I see that Citi is still promoting XXXX   credit cards. I think anyone applying should be made well aware of what is going on. 

I have credit cards issues by Citi that are no longer valuable without an XXXX XXXX number, including a business card and I will need to close all of these if I can not get this issue resolved. 

I have some supporting documents including the email from XXXX XXXX, if required. I would have kept detailed records if I would have ever thought I would need them. This is totally bizarre and unbelievable.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a complaint with transunion 3 times already XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in XXXX and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.
Consumer complaint received 2020-02-01
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. (UT)

XX/XX/XXXX I disputed the account and was notified the account would remain. No other info was provided. I called and was able to get information about the account. It is for XXXX account in California. I have proof of residency and employment history that shows I have never lived in California and the account is not mine. On XX/XX/XXXX I disputed the results with said information and again was said to remain. No proof has been given that the account is mine. 

On XX/XX/XXXX I filed a complaint through this system complaint id XXXX Because I got the government involved, Experian removed the account from my credit report as they have no proof it is my account. I imagine the account either has a name similar to mine or close to my SSN - but it is not me. 

The end of XX/XX/XXXX the account has returned back onto my credit file. I disputed and received the results would remain on XX/XX/XXXX despite providing the information from previous disputes. 

Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Consumer complaint received 2023-09-18
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. (SC)

COMPANY XXXX XXXX AND EXPERIAN, THAT WAS BUILT OFF OF XXXX  CONTINUES TO BREAK THE LAW BY VIOLATING MY CONSUMER RIGHTS. XXXX IS FULLY AWARE THAT THEY ARE BREAKING THE LAW AND CAN BE SUBJECT TO A CIVIL SUIT DUE TO THEIR NEGLIGENCE. XXXX AND EXPERIAN HAS VIOLATED 15 US CODE 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. THIS MEANS XXXX XXXX IS VERY AWARE OF WHAT THEY ARE DOING AND DOES NOT CARE ABOUT THE CONSEQUENCES. I HAVE ASKED THE COMPANY TO REMOVE FRAUDULENT ACCOUNTS AND INQUIRIES OFF OF MY CREDIT REPORT FOR YEARS ( XXXX XXXX ) SUCH AS ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ( THAT WAS REMOVED AND NOW HAS RE-APPEARED AGAIN ). COMPANY XXXX AND EXPERIAN AGAIN HAS VIOLATED 15 US CODE 1611- CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION. WHICH MEAN YOU HAVE VIOLATED AND YOU REFUSE TO REMOVE, WHICH YOU ARE NOW AWARE THAT YOU ARE BREAKING THE LAW. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX ( 3 ACCOUNTS ), XXXX XXXX XXXX AND ALL FRAUDULENT INQUIRIES OFF OF MY CREDIT REPORT.
Consumer complaint received 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I contacted NewRez through their online portal requesting that they close my escrow/impound account due to their failure in correctly and timely paying one of my insurance accounts for my property. On XX/XX/XXXX NewRez honored this request and closed the escrow/impound account, which would make me solely responsible for paying all property taxes and insurance. This issue was resolved. 

However, on XX/XX/XXXX NewRez disbursed an insurance payment of {$100.00}, without my authorization while also leaving me with a negative balance on an escrow/impound account that was previously closed and honored by NewRez. This is even more frustrating seeing as though I had already paid for this insurance premium with my insurance provider. 

On XX/XX/XXXX I contacted the NewRez call center number at ( XXXX ) XXXX to attempt to resolve the issue. The agent that I spoke with advised me that I would need to speak with the Insurance Department about this issue at ( XXXX ) XXXX during business hours Monday through Friday XXXX - XXXX EST. Though I am not sure if speaking with the Insurance Department would be the correct approach. This is an issue stemming from an escrow/impound account that does not seem to be closed.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX three times to tell them they reported me 30 days late and they said they could not help me I had to send in documents to prove it and I got no response. I was never late on this lease I paid it off early in XX/XX/2019 I actually overpaid and when I called they said they will keep it use it for the end lease return of XXXX they would bill me for the balance of XXXX.we returned the car XX/XX/2019. In XXXX received a bill for XXXX which I paid. They are saying I never paid XXXX payment. The statements show I paid two payments in XXXX and XXXX paying off the lease early. They reported us to all credit reporting agencies saying we were 30 days which has taken our credit score down 100 points. I had automatic payments on this loan and was never late. I find it hard to believe that the credit department at XXXX can not see the problem and fix it then. They made me jump threw hoops to prove what they already know because they have the records in front of them. They wanted to argue with me on the statements I told them I paid two payments two months in a row so I could return the car early.
Consumer complaint received 2020-02-01
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: AMERICAN HONDA FINANCE CORP (NJ)

I have an auto loan with Honda Financial Services. My XXXX and XXXX payments were reported as late. I called the creditor to inform them that I had made a payment on XX/XX/2019 and XX/XX/2019, but they insisted that my payment was made late. In my statement from Honda it even shows that the payment was received on those dates. I have until the XXXX of each month to make my payment before it is considered late, and since I made the payments before the XXXX they shouldn't be considered as late at all. I reached out to the creditor a few time to request an updated report but they said I would have to contact the credit bureau on my own. Even after contacting the bureaus it did not help. I don't know why they are reviewing it as being late when I did make it on time.
Consumer complaint received 2020-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc. (MI)

On or about XX/XX/XXXX of 2019, We- My wife XXXX XXXX XXXX and Myself XXXX XXXX XXXX went into the local branch of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. We told the clerk that we wanted to close our account. She helped us withdraw any monies that were in the account. We asked if there was anything else that we needed to do and she said no, that our account was closed. 

On or about XXXX of 2019, we received a notice from Arbor Professional Solutions that we owe {$780.00} to XXXX XXXX XXXX. The document states that the account is still open. This bill was a complete surprise to both of us. This was the first notice that we owed anything to the Credit Union. 

From what we have learned, XXXX XXXX XXXX kept honoring automatic withdrawal transactions without our knowledge or consent and well after we had closed the account. 

We have disputed this account through the credit bureaus with no change in result. We believe that any " hidden '' - transactions, that did not have our k knowledge or consent need to be discarded and removed from our credit reports.
Consumer complaint received 2020-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

In 2004, a began receiving education for my XXXX degree at XXXX XXXX XXXX XXXX. I was provided funding to attend XXXX by Sallie Mae. I was only offered a variable interest rate and had to have two cosigners. Thankfully, I was able to get the loan and begin the process to become a health care professional. I began paying on my loans a year after I graduated. We were making payments with high, fluctuating interest rates, making it close to impossible most months to pay our bills. We requested multiple of times for Sallie Mae to refinance our loans to obtain a fixed rate and lower payments, but were continuously denied. We attempted numerous of times to find financial institutions to refinance my student loan, but no one would touch a private loan. Suddenly, Sallie Mae stopped collecting payments from us. We were never given any explanation. Come to find out, one of my cosigners filed bankruptcy. Somehow, this put my loan into non collection status. This happened for quite sometime. The cosigner filed bankruptcy twice in a row, I believe. I never received the full story, nor recall receiving anything from Sallie Mae. Regardless, over the years, multiple times, I've attempted to release my cosigners, to refinance my loans, and have never been successful. My loans have gone in and out of forbearance with very little, if any, communication from the company, who now I know is Navient. My loans are currently in forbearance, not sure how, but I'm not complaining. I do not have the money to pay them at this time, especially at the rate they are. I've been contacted by lawyers, but I denied their services due to being told it would hurt my credit for quite sometime ; I wasn't sure if that was the best route. I am hurting financially, and my loans are an impending doom. I feel that if Sallie Mae would've helped me in the first few years I was requesting a better payment plan, I could have my loans paid off, or at least close to, by now. I need guidance and support. I'm hoping I can receive this by reaching out to this company. Thank you for the opportunity to feel heard!
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WA)

Starting XX/XX/XXXX, my husband and I started receiving letters about our new Chase checking and savings accounts. Neither of us have opened any. The letters are very good and some almost look real. There was a debit card sent to me, but I do not know if it is real or not. 

Also funds were supposedly wired into the account, but then they never made it in. 

I can not find a good number to contact Chase to report fraud, or I would have already.
Consumer complaint received 2019-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

In XX/XX/2017 I told Navient that I would be applying for PSLF and wanted to consolidate my loans just thinking it would be easier to track one loan. I was not informed that consolidating my loans would nullify the payments prior to consolidating them while I was in a public service roll. I did not find out until after consolidating my loan and being transferred to XXXX that was the result.