davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
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. (PA)

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XXXX/XXXX/XXXX
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Multiple Bank of America accounts reported past due. Account reported open X/2006 with a balance of {$5500.00} is not my account, my BOA account is a different number and is paid in full and not delinquent. Has since been closed at consumer request.
Consumer complaint received 2017-10-26
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (TX)

A letter dated XXXX XXXX, XXXX from XXXX XXXX stated that a small change in the amount of {$2500.00} was assessed to my account, see Letter pg 1 PDF. Upon receipt of this letter I called XXXX XXXX and spoke to a man that looked up the coding and stated it was for an insurance premium. During that time, I had experience working as a small-business XXXX XXXX and understood that as much as lending is about lending, it is also about selling insurance. The borrower would have to understand and accept the purchase of insurance that would protect the lender in the event the borrower died, became disabled, or  couldnt pay. Now, I was not asked to purchase an insurance plan on myself, I did not give XXXX XXXX permission to purchase an insurance plan on my behalf. I called XXXX XXXX again and I asked for more detail on the insurance plan and the woman on the phone couldnt give me any information and said she couldnt see any insurance notes and stated the amount is related to an agreement found within my promissory notes. 

I must have requested a log of activity because I received a letter dated XXXX XXXX, XXXX from XXXX XXXX that detailed previous transactions on the account, see Premium XXXX pg 1 PDF. The {$2500.00} insurance premium was listed within this letter and was applied to my loan principal on XXXX XXXX, XXXX, see XXXX XXXX pg 3 PDF. It never seemed right to me that I had paid for an insurance plan I had no clue what it actually covered, let alone, any details about the plan at all. In the event, should I become disabled, could I claim disability and know that my insurance plan would pay for the remaining balance on the loan and relieve me of my debt obligation? Am I paying annual premiums and dont even know about it? If this insurance plan adjusted the risk associated with my account, then why hasnt my interest rate decreased? I called the Texas Department of Insurance on XXXX XXXX, XXXX and spoke to XXXX. She asked me who is the provider, who is owner of the loan? I did not know who owns my XXXX XXXX loans. I did know XXXX XXXX was the servicer, but XXXX wasnt able to help me given that information. 

My question to XXXX XXXX is - What exactly is the insurance plan for and why did I pay for it? Can I have a copy of the insurance plan? 

Also, another question for XXXX XXXX - Who owns my loans, and can documentation be provided that can prove ownership?
Consumer complaint received 2017-10-26
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. (FL)

I have submitted this request 4 times to be fixed and Transunion has yet to fix it even though XXXX  corrected it. My score is XXXX on XXXX and XXXX on Transunion. The problem is with a credit card issued by XXXX that Transunion has deleted from my file. I explained that it should have not been deleted as I am a signor on the card and have been for many years. XXXX  corrected the mistake and Transunion has yet to do anything even though I have submitted the evidence and they can see that XXXX corrected the problem. I have called, submitted the corrections to them 4 times and they fail to so anything, I want this error corrected so my credit file reflects the XXXX card that is mine. The card was opened in X/XX/1998 and is in good standing. I have been an authorized user for years and has always reported on my credit file. I want them to restore it so my credit score reflects the correct amount of XXXX. 

Please help me in this matter as they have wasted many months on this and refuse to do anything even though the evidence reflects that they should of corrected it a long time ago. 

Best, XXXX XXXX
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Equifax had a breech of security early in the year and failed to notify the public. I now have my information on the dark web. I have had my XXXX card compromised even though I had the card on my person including my identity was stolen. They were able to obtain my address, cell phone, address, account number with the security code on my XXXX. I just recently had my email attacked and XXXX shut it down for an entire afternoon for suspicious activity. I am a XXXX and my cell and email are my business!
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Today, I received an alert from Trustedid ( free from Equifax ) that I had suspicious activity on my credit report and that I should log in to my acct to see what it is. 

After spending an HOUR tracking this down, I now know that the alert is for the closing of a credit card that was closed in XXXX!! On my Equifax Credit Report, all account names are not listed. Had the name of all the accts on my report been listed along with the beginning numbers, I would have had better insight into tracking this down. 

I got to the bottom of this by retrieving my XXXX credit report, matching up the account number with an account on my Equifax report for which the name was missing. Then, with account name matched to account number, I was able to match it up with the alert I received. So an account that was closed in XX/XX/XXXXwas just yesterday updated at Equifax. 

Given this extreme and unacceptable delay in processing information ( nearly a decade late ), I can see how this firm was hacked. Unless there is some reasonable explanation for this kind of delay. I just do n't know. 

Another issue with Equifax credit report : on mine, it lists all kinds of accounts, most of them closed, but the report does not state that they are closed. XXXX, in comparison, states that they are closed and gives the date. 

What I really want is to opt out of having any and ALL of my information stored or shared by anyone, forever! This should be my choice. This is my information, and I should not have to be put through all this mess. If I ever do decide I want credit, I will do the work to obtain information that is needed, in writing, the long way. This should be my choice. I have saved money and worked all my life, and I do not want to have to spend the rest of my days looking over my shoulder, and creating yet another login to keep track of, all because I am not given the option to NOT allow my information to be stored by these credit reporting agencies. I have a feeling this is not so simple, and genie can never be put back in the bottle. But this is so wrong.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Servicing is the mortgage servicer of the loan that we have with XXXX XXXX as the note holder. My wife and I received a federal loan to help us decrease our loan because we were upside down and we received a mount for XXXX that was sent to Select Portfolio service to put toward the principle. Once they did receive the check we asked if they could reduce our monthly mortgage payment and they said, " No. 
They claim that they had already done amortization and that they could not lower our payment. If they only service the loan then why are they acting like a bank and making decisions for XXXX XXXX. They SPS are taking in money for banks and modifying loans but they claim not to be able to lower monthly payments for the consumers that in up with this loan servicer. How can this be and this has to be illegal. So many consumers have had similar issues with SPS and they should not be allowed to be in business. 

Thanks, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Consumer complaint received 2017-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NJ)

Paramount Recovery System, a collection agency, simply showed on my credit reports XXXX 2017. I contacted them by researching their phone number and provided the account number listed on my credit report. This was the very first time I had ever been informed about this debt. I spoke with a representative who informed me the debt was from medical facility 6 years prior to the current date. Paramount had an address on file where I had not resided in 15 years. I provided them with update information including my current address. I asked them for proof that I owed this money in the amount of {$1100.00} and I will make payment arrangements. I was advised to go directly to their website www.paramountrecovery.com where i would be able to see an invoice that outlined the debt. Therefore, I visited their website as instructed and the site only accepted payments and did not provide an invoice or any indication that I actually owed the debt. I then contacted Paramount again and requested a copy of the invoice be USPS mailed to my address. To date I have not received an invoice just additional letters demanding more the monies. I contacted them several times more and they just wanted to offer settlements of 50 %. I do n't believe I owe this money and Paramount has not provided any proof to indicate that is a legitimate debt. They are now threatening to take additional legal action if the debt is not paid or settled soon. I never offered to settle the debt, just asked out of curiosity. Thank you.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian continues to report delinquencies for XXXX account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX capitalone sent me a bill for {$160.00}. On XX/XX/XXXX i paid {$150.00}, only 24 days late. 
Capitalone marked my cre for 30 days late for this transaction which violates FDCPA. 
I have been trying to rectify this discrepancy with them for over 4 months. Original cfpb complaint XXXX. Attached is capitalone response claiming payment was made on XX/XX/XXXX for {$150.00} yet their own records show XX/XX/XXXX. 
This is an agreegious act to abuse their power of credit reporting and will not be tolerated.
Consumer complaint received 2017-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

OnXX/XX/XXXX we submitted a package to process a short sale with Caliber Home Loans via XXXX and the interior valuation was completed the same week. the value came back at {$280000.00} and the servicer ( Caliber ) provided me a copy of it on XX/XX/XXXX.On XX/XX/XXXX we submitted an engineer report along with an explanation letter to have them review the value of the property. they basically used fully renovated properties as comparables for a property that will need a lot of work due to the major issues that require major repairs.we marketed the property on websites such as XXXX, XXXX, XXXX, etc and we were not able to get an offer on the property on the range requested by the investor.After meeting all the investor requirements i received the following message from XXXX XXXX XXXX on XX/XX/XXXX : I would like to take this opportunity to tell you about a change in policy and how this change affects this property. 
As you are aware, all short sales are subject to lender approval. 
This account is no longer eligible for a short sale and we will not approve a loss. 
A full payoff will be required. 
We appreciate how hard you have worked to help our mutual client avoid foreclosure, and do n't want you to spend any more time on a short sale that is not available. 
If a full payoff is not an option, we encourage you to assist the homeowner to agree to a Deed in Lieu, rather than a short sale. 
There is currently {$14000.00} incentive available for the homeowner for a completed Deed in Lieu. Attached is a Deed in Lieu application for the homeowner to complete and return to my attention at calibercares@caliberhomeloans.com or contact us at XXXX to discuss. 
If the homeowner wishes to pursue retentive options to remain in the property, they may contact our SPOC department at XXXX for other alternatives. 
Basically, without any warnings or notifications, the investor decided to denied the short sale option to the home owner unilaterally and we basically wasted more than 2 months complying with everything they asked for. Also, I am checking reviews from other agents and i see that this has become a common practice from this servicer. I truly believe these abusive practices have to be regulated by the federal government to stop this investor from doing more harm to the people that are currently in a hardship situation.
Consumer complaint received 2017-10-26
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In the latter part of the month of XXXX my capital one credit cards were restricted ... .On XX/XX/XXXX Capital One informed me that they needed identification verification from the authorized users that were on my account ... On XX/XX/XXXX I submitted the documentation to them via an email link that they sent me ... After waiting for 2 weeks with no response I contacted them and they informed me that they needed me to resubmit the information so on XX/XX/XXXX I resubmitted the information once again ... After about a week they followed up and stated that they needed identity verification from the first authorized users I had on my account from XX/XX/XXXX which is over a year ago ... I advised them that I no longer had that ingormation, had they notified me when I first added them or shortly after I would have gladly submitted the information ... Since then I 've heard nothing from Capital One ... I have sent them 2 certified letters and they have yet to respond ... I also emailed the CEO and he failed to respond as well ... My cards has been blocked for over four months, and I have great credit ... I 've had several accounts with capital one and they 've all been in excellent standing.. No over the limit, no missed payments or late payments ... I 've been an exceptional consumer and the treatment that I 'm receiving is very unfair.
Consumer complaint received 2017-10-26
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. (CA)

Equifax may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  Equifax was founded in XXXX, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

My husband and I opened a Citigold account together as we received a mailer offering XXXX XXXX for opening the account and meeting certain requirements. We spoke to a representative to confirm that we were both targeted for the offer. The requirements included depositing {$50000.00} into the account, doing on line bill payments for two consecutive months and using the debit card for a {$1000.00} spend. BothXXXX my husband and I did these requirements together. He received his XXXX miles ( although not without a struggle ) - but I have not received mine. The bank is now trying to tell me that I was not targeted
Consumer complaint received 2017-10-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

the whole loan is the problem, i have been paying on this loan for 11yrs for a {$4000.00} loan, was in forbearance one time for about 3 months.i have contacted them and can get nowhere with this, i do n't know where else to go with this. but between all the disbursement fees, loan fees, late fees ect ... i still owe {$4300.00} how is this even possible! i even show late fees on here before money was even disbursed??? and i have no way to track these fees. also this money was suppose to go toward my school supplies and because my FASFA did not come in on time they put this money towards school fee 's, which resulted in my having to quit because i could n't get my supplies. they told me that they could disburse the money how ever they seen fit. so i only attended for one quarter.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

Chase mortgage company is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus days late. Someone else 's account. My mortgage was always current and is now paid in full
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was the victim of an email spoof that resulted in a wire of {$70000.00} being sent to an unknown account. I was able to advise the bank within about 10 hours and prior to the wire being funded to the other account to stop. This all happened on XXXX XXXX, 2017. The account that my money was sent to is a bank of america account. Since that time Bank of America will provide no information to me regarding my money. My bank wire fraud department checks in with them weekly and they tell them it is still being investigated. I am begging for your help with this matter.
Consumer complaint received 2024-08-08
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. (NJ)

This morning, I was shocked to see unauthorized inquiries on my credit report without any explanation. I regularly monitor my credit report, but this time there were discrepancies that seemed to appear out of nowhere. I tried refreshing the browser, hoping it was just a technical error, but the inquiries remained. I'm deeply disturbed by this and request that the documents I've provided be thoroughly checked so that I can avoid this kind of issue in the future.