davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX XXXX Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX XXXX on my credit files with Experian and XXXX. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : XXXX  XXXX XXXX XXXX  Credit Reporting Agencies Affected : XXXX XXXX Experian Inaccuracies and Issues : Inconsistent Date Opened : XXXX XXXX Reports XX/XX/XXXX Experian : Reports XX/XX/XXXX Erroneous Account Status : XXXX Status : Late 120 Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within 30 days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.
Consumer complaint received 2024-08-14
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OH)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

This complaint is against Best Buy Credit Services and Citi Cards. I opened a myBestBuy Credit Card through Citi Bank. Through my bank, I submitted a full balance payment to Best Buy Credit Services which cleared on XXXX XXXX, 2016, before the payment was due. However, I began receiving calls from a debt collector and received a letter from Citi Cards with a copy of my cancelled check for the full balance, asking me to provide information such as my account number, etc. The Citi Card letter instructed me to mail my response to a Citi Cards Payment Investigations P.O. Box, which I did. Over a month later, I am still receiving calls from debt collectors. The debt collectors calling me claim they have no access to the copies of correspondence that have been sent to me or a copy of the letter that I sent to them. They constantly transfer me to different departments and I have to wait on hold for significant periods of time before speaking to another person who can not resolve my issue. I have proof from my bank that I paid the full balance on a timely basis and I do not understand how Citi Cards and Best Buy Credit Services can, in good faith, claim that this matter is not resolved and that I owe interest. I am frustrated with their bad faith practices and want them to immediately acknowledge that I made full payment on a timely basis and that I owe Best Buy Credit Services and Citi Cards no interest.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OR)

Experian XXXX-SERIOUS DELINQUENCY ; XXXX-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED ; XXXX-DELINQUENCY REPORTED ON ACCOUNTS ; XXXX-AVAILABLE CREDIT ON OPEN REVOLVING TRADES I have pulled my credit report 5 times. There is not ONE thing on my Experian report showing deliquent. I have complained about this SEVERAL times to Experian - all they do is send me a copy of my report showing NOTHING deliquent. I would like to take legal action to have this statement removed
Consumer complaint received 2017-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I have noticed an issue within my credit reports through XXXX, XXXX, and XXXX in regards to my account with Navient. I am currently showing a 90 day late payment from XX/XX/XXXX. This payment was late due to an error in the transition of XXXX XXXX to Navient. Prior to the transition, payments were made on time monthly which is evidenced by my account history. Due to issues with the transition, automatic payments were no longer being pulled and I was not aware of this. The lack of automatic payments caused by the transition led to the account being 90 days late. During that period, I never received any correspondence showing the account to be late. There was never anything in my inbox showing this and no emails ever notified me of it being late. I only realized it once I received my first ever account statement from Navient, in XX/XX/XXXX. At this point it was already 90 days late. I immediately scheduled payment to make up for the missed payments and kept the account current until it was closed through consolidation in XX/XX/XXXX. I am requesting that this information of a 90 day late payment be removed from XXXX, XXXX, and XXXX. Navient/XXXX XXXX did not do their part to ensure my account was kept current nor did they notify me when they canceled the recurring payments. This has led to a very negative ding on my credit profile that has led to a number of issues for me personally. Since this account is no longer open and unfairly hurting my credit, I would like for it either to have the 90 day late removed or remove the account completely from XXXX, XXXX, and XXXX.
Consumer complaint received 2017-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

Capitalized interest in the excess of 100k during forbearance. This caused my loan to increase to over 200k thus causing me to need a conventional loan for the house I am trying to buy me and my daughter as a single parent. I need 8 % down now despite having a good job. Rejected bill pay through my bank then attached fees for late payment.
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (NY)

I have tried multiple times to get help from XXXX XXXX, ( Servicer ) to afford to keep my home. They purposefully not returned my calls and the always find and excuse not review the multiple packages that have been sent. They ignore my calls and when they do pick up, they always tell me that only the person assigned to the file can give me updates. That assigned person is never available. They have had 2 or three complete loan modification packages, over the last 2 months, sent to them but no official review from this servicer. They are not helpful and I believe are more geared towards collection then home retention assistance. It appears that the do not really care about helping their customers find a solution. I asked many times to speak to a supervisor and they just patch me through another representative who has the same attitude and responses. It 's like a vicious cycle of not getting anywhere. It feels like it 's being done on purpose.
Consumer complaint received 2017-06-03
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. (GA)

XXXX  accounts that were previosly deleted due to me being a victim of identity theft have reappeared after so me one in  Equifax decided to " consolidate '' my report to shorten it. All of these accounts were previously investigated and blocked due to identity theft. Now that they have re-appeared I have been shuttled to the consumer affairs division of Equifax where the representatives are extremely rude and not helpful towards my situation. All of my documentation is on file and these accounts should have been deleted again within 4 days and that has not occurred. It has been approximate ly 2  weeks and this is causing me an extreme hardship.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XX/XX/XXXX and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX XXXX customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
Consumer complaint received 2017-06-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

I filed bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Prior to filing, I received numerous letters in the mail from Ditech stating that I could have XXXX-XXXX applied toward my loan or some other option. In XX/XX/XXXX, I had my hazard insurance reduced as I had lost my car/home discount and it was just too much. I notified Ditech of the reduction and said to reanalyze escrow to reflect new amount. They said they would,. I was NEVER late with a payment before or after my bankruptcy. It took them until XX/XX/XXXX to redo my escrow amount and then did not apply that amount until XX/XX/XXXX -- -- making me " appear '' as if I was not making the full payment on my monthly mortgage. I called numerous times and it was only today, XX/XX/XXXX that I learned that will not reanalyze escrow during a bankruptcy. THAT IS RIDICULOUS-Then they told me that they have been applying my paymnets made to the previous month because there was a " shortage '' which again is ludicrous! But if not for the fact that they waited 6 entire months to adjust the 2 refunds I sent them to be applied to my escrow account, none of this would be happening! I 've spent HOURS on the phone with Ditech with them giving me one excuse after another and NEVER truly trying to resolve this. Every other month, I get mail from them informing me that I still owe them anywhere from XXXX-XXXX dollars from monies they are trying to extort from me, from THEM not doing their job in a timely manner and penalizing me, in indirect, nondescript ways for filing bankruptcy! If anyone owes anyone, Ditech owes me-Not only for their erroneous business practices, but for emotional and financial strain and trauma. They also denied a different type of modification for me to comfortably afford my mortgage, due to the bankruptcy and said I did n't " qualify '' even though my mother passed away and my income from both her and my employer decreased substantially! They also LOCKED ME OUT of online access to my account to make payments for free and only allowed me limited access!!! Then I find out today that I was totally locked out! THAT makes no sense, whatsoever!!!!!
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IL)

I was told by the PNC branch manager at XXXX XXXX XXXX XXXX in XXXX IL that I had neither opted in or opted out of overdraft coverages for my debit card. He did not ask me what I wanted. I then had my debit card go into negative and was charged an overdraft fee. The customer service representative refused to refund the overdraft fee on XXXX XXXX, XXXX.
Consumer complaint received 2017-06-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

As of XX/XX/2017, I am paying 44 % of my post-tax income to servicing my student loan debt. This figure balloons to 90 % after calculating my living expenses. My private student loan payments are {$1000.00} per month. I am an XXXX, making a decent salary, but this burden is unsustainable. I am often unable to afford basic living expenses, such as a haircut or money for laundry, because of these monthly payments. My loan holders, XXXX and XXXX XXXX, have not offered any options that are feasible ( even offering a $ XXXX monthly  reduction for six months and then increasing the payment for the following 6 months by {$70.00} ). My only option is to refinance, but I find myself in a catch-22 : I need to lower my student loan payments to reduce my credit card debt ( which I incurred as a result of having to use the cards to pay for groceries, public transit charges, and other basic necessities due to the high student loan payments ) in order to pay off the debt so that I can increase my credit score to qualify for a refi, so that I can-you guessed it-reduce my student loan payments. My cosigner is my now-XXXX year old grandmother who lives on a fixed income. I am at the end of my rope, and have nothing but a bleak outlook for the foreseeable future unless I can find some sustainable relief on these loans.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX -Collection agency for XXXX XXXX XXXX XXXX 
This debt should not have been sent to collections as my Insurance XXXX XXXX XXXX XXXX paid this claim for the maximum benefit and that made the balance due {$0.00}. 
I have requested that Experian remove this collection account through disputes numerous times and they have failed to, even though I have provided proof from XXXX XXXX that the original bill was paid. 
I would like Experian to please remove this Collection account from my report. 
I am attaching the letter dated XXXX/XXXX/12 listing the amounts they paid to XXXX and that they have paid out the maximum amount.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXXXXXX I reviewed my credit with Experian and they have my fico score is very damaging at XXXX in which it should be higher than that. Experian statements of 60 days late payment and collection and XXXX hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XX/XX/XXXX and it was Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with Experian, XXXX and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The XXXX hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX pulled on XX/XX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XX/XX/XXXX and XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled XXXX in XX/XX/XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XX/XX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California XXXX . XXXX.pulled on XX/XX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.pulled on XX/XX/XXXX and XX/XX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by Experian, XXXX and XXXX. <P/>Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on Experian, XXXX and XXXX.This is Fraud.address
Consumer complaint received 2017-06-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

At  XXXX  in the morning, Saturday,  XXXX   XXXX , I received a call that went straight to voicemail. I checked my voicemail and I get an automated message telling me that it 's regarding my Synchrony credit card account ( for  XXXX .  XXXX   ). I  did miss a payment but one payment does not mean that they should send me emails, which they did on Friday,  XXXX   XXXX , then call m e ( twice thus far ) to let me know that I need to make a payment. Synchrony bank is notorious for bombarding their customers with phone calls the moment they do n't receive a payment the day that it is due. If they will employee such tactics, then I have the right to report them just the same. Most credit companies give you a grace period if missed one payment after not missing any. I have not missed a payment with this company so they should n't jump the gun by pestering me with phone calls just because I forgot to set up a payment with them. It 's not necessary. It will get paid. They do n't need to bother me about it. On top of that, they raised the minimum due. This is how people get into debt. Again this company is notorious for making their customers pay the price for missing only one payment. They need to be investigat e.
Consumer complaint received 2017-06-04
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. (DC)

In  XXXX   XXXX     2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit  WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull  the credit he did it anyway and my score has dropped  XXXX  points immediately as a result
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OK)

I contacted Transword Systems Inc. To set up a payment plan too pay off a {$5100.00} debt for the   XXXX   XXXX   XXXX   XXXX   . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the   XXXX   XXXX   XXXX  . So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated.
Thank you
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

CBE Group sent a letter verifying that the debt was valid. However, XXXX has verified that there was never a past due and has corrected the balance to XXXX. I spoke with a representative at XXXX office of the president ( XXXX XXXX XXXX now ) and the balance was removed. I have attached the initial account cancelation email, as well as the email showing that the balance was XXXX and a refund was issued for the remaining balance. XXXX has credited the account with the inaccurate balance to make the balance XXXX again. That email has also been attached.
Consumer complaint received 2017-08-01
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. (GA)

Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. These items ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) is inaccurate because I never established a debt with these companies. I am requesting that the items be deleted. Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such a Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, XXXX XXXX
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Hello, It appears that the credit bureau is still reporting account listed as XXXX XXXX ( XXXX XXXX ) as open. Account has a XXXX a balance and company agreed and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX