davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

On or aboutXX/XX/XXXX through Experian 's website I asked that a Bankruptcy be removed from my credit report as being inaccurate. On or about XX/XX/ Experian responded claiming that they had verified the Bankruptcy as being accurate. I am informed and believe that were unlawfully simply relying on information previously obtained from a vendor XXXX. On XX/XX/XXXX I contacted the Clerk of the US Bankruptcy Court and was informed that they do not validate the Social Security Number and Date of Birth of people who have filed Bankruptcy to Experian or anyone else. On XX/XX/XXXX I sent an appeal  pursuant to the FCRA and FTC to Experian via USPS Priority Mail Tacking Number # XXXX XXXX XXXX XXXX XXXX XXXX. Said letter was received by Experian on XX/XX/XXXX. In the letter I explained that the Clerk of Court had never been contacted to validate the Bankruptcy, and I asked for the person, date, time, and phone used at the Bankruptcy Court to validate the inaccurate Bankruptcy listed on my Experian Credit Report. OnXX/XX/XXXX I contacted Experian customer service at approximately XXXX and was told by the customer service representative ( CSR ) that they had no record yet of receiving my appeal and it really did not matter as I had the complete burden of showing that the Bankruptcy was inaccurate. I complete shifting of the burdens under the FCRA. When I got off the phone with the CSR I XXXX information about any lawsuits that Experian was involved in over this same issue. There have been others including class action lawsuits and fines from the FTC for the same behavior. Thus, I was surprised that Experian still feels that it is financially advantageous to continue their unlawful practices and not probably trian their CSRs. I need your help in prompting Experian to act lawfully as my XXXX would make it difficult for me to file a lawsuit, and I simply want the matter resolved
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

I have a 2.5-year-old fraud complain against a store card from Macy 's. I had an existing card account with them. While I was on a 3-year assignment overseas, somebody had a card issued on my existing account in their name, much how you would add a spouse to your account. They then charged {$900.00} in goods using this new card and then did not pay the balance. At the same time, I had a fraudulent credit account created with a different bank and under my name with a credit card issued to the exact same individual as the Macy 's card. This credit account was discharged as fraud very quickly. 

I suspect that the cause of the fraud was a mail forwarding service in XXXX Texas that I was using to receive my home mail while I was overseas. This would put them in the position to respond to any credit card offers and to receive my billing statements from existing accounts. 

I opened a fraud case with Macy 's but according to them it was denied because in their investigations system they labeled it as " account was created fraudulently '' which is different from " card was issued fraudulently under an existing account ''. In the meantime, they sold the debt to Citi IRU as a collection agency. Right now I have 2 organizations that deny that the problem is on their end and they blame the other company for keeping the ticket open. Meanwhile, I have faxed fraud statements, my overseas assignment letter, etc to show that I have not lived in Texas nor was I even in the United States during the time that the new card was issued under my account. However, I have to send documents to both organizations since they each believe that they are the sole account " owner '' and do not share investigation details with each other. They have also claimed that email and faxes have not arrived. 

In fact, they don't even share information with me as far as why a card was issued on my account or past billing statements so that I can verify if the purchases were made by myself or not. I have had to reconstruct the fraud incident using bits of information gleaned from conversations with the fraud investigations teams over the course of these years. 

2.5 years later, this is the only negative mark on my credit history. At {$900.00}, I could easily pay this account off. However, in doing so I would be acknowledging that the debt is legitimate and that The case file at both Macys and Citi is XXXX The person who created the card on my account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-10-09
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2019-12-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NY)

On XX/XX/XXXX I received a notification that my Discover credit card was declined. I logged into my account and saw a fraudulent charge. I called Discover, who closed the account and issued a new card. What I didn't realize until later that night was that Discover lowered my Credit Limit to XXXX from XXXX and I was now Over limit! I called to find out why and the rep said that my account was reviewed and lowered. He had no explanation. 
I have a perfect payment history with Discover, and all my cards, and always pay more than the minimum payment. This lowered limit coincidentally coincides with my XXXX birthday.I feel that my limit was lowered due to my age and that I'm female. This lowered limit has caused a drop in my credit score by 65 points!!!! 
I reached out to Discovers Executive Offices and spoke to XXXX (? ) who took my complaint. There was no reason to drop my limit, and now my other credit cards will follow suit. This is an unfair practice to do to someone who is planning to retire in three years!!!! I don't have the luxury of rebuilding that a younger person has and worked very hard to maintain a GOOD credit score for my future. Discover needs to be investigated for age discrimination.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Date : XX/XX/2019 Earlier this summer I requested information on how to remove PMI from my mortgage loan. I was give specific details from a representative at Mr.Cooper I was originally informed by a Mr.Cooper representative that in order to meet the requirements to remove PMI, the property in question would have to exceed a value of XXXX and or have substantial improvements. And both have been meet. I submitted a new appraisal. 

I have recently completed a detached 720 square foot garage. 
Complete kitchen remodel with new cabinets, counter tops and floor. 
One bathroom remodel cabinet sink and flooring. 
Along with an expansion of the driveway. 

I was informed todayXX/XX/19by a representative from the Arizona office that my request for PMI removal was denied for reasons of " no substantial '' property improvements. 

I am disputing their denial, I paid XXXX XXXX dollars for an appraisal just to be told " it's not enough ''. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (MA)

Im trying to get a deferment or forbearance with Discover Student Loans. They provided my with phone numbers that disconnect every time I call them. I have been calling 3-4 times a day since XXXX. When emailed customer service for help, they consistently tell me to call the numbers provided even though I repeatedly tell them I always get disconnected.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (NJ)

I filed multiple complaints Against a fraudulent inquiry on my credit profile issued by XXXX XXXX, after doing my research I have identified that a third party known as Equifax Mortgage Services pulled my credit report for the company in question XXXX XXXX. 

I never authorize any type of inquiry or had any type of business with XXXX XXXX for me and of employment, Insurance, financing, or any mortgage loans. 

As I stated in previous complaints I am not aware of how this company have information about me or my email address to contact me. 

I respectfully request that XXXX XXXX provide or display in this CFPB platform the proper documentation that Ive giving consent to impact my credit profile. 

If XXXX XXXX can not produce such documentation baring my wet signature then this inquiry must be removed immediately. 

I have disputed this inquiry also with XXXX and they have stated this inquiry is factually sound, so I am demanding XXXX  request the documentation necessary to show proof of their statements from this finisher of negative information to my credit profile with a fraudulent inquiry I did not authorize. 

Unfortunately I will be forced to engage in litigation in the State of New Jersey courts against XXXX XXXX for illegally checking my credit report without my authorization.
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I received multiple letters from a company called XXXX XXXX , XXXX stating that I owe and outstanding balance of {$660.00} on behalf of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX XXXX. The XXXX XXXX XXXX  is located in XXXX XXXX, which I have never lived in, nor lived near. I have never opened an account with them in anyway ( savings, checking, credit, Auto ). I also ran a full credit check for all three credit systems and the supposed debt was not listed anywhere on the reports. 

I have attempted to contact XXXX XXXX, XXXX multiple times over the course of two weeks and can never reach anyone there. I only get dropped to an unknown voicemail asking to leave a message. There are zero options to get to a real person to actually try and correct this issue. 

All documentation has been held and is available for full disclosure if needed.
Consumer complaint received 2019-10-24
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. (NJ)

Hello, I have contacted Equifax in reference to the two collection account 's listed below. By submitting a debt validation letter, there way of responding is verified. No real account information which allows me to confirm the debt has been forwarded to me. It is my right to be provided proof regarding any information in my credit file. So then I forwarded a method of verification letter, the response to that is they are not going to keep investigating the same thing unless I submit more relevant proof. I am not asking for a re investigation, I am asking you to provide proof that this is my debt & how you came to such a conclusion. 

Opened XX/XX/XXXX Account Open Original Creditor Name CXXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview Highest Balance {$830.00} Opened XX/XX/XXXX ( 3 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute mentioned above that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Very Respectfully, XXXX XXXX
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (IA)

Today on XX/XX/2019, I tried to resolve an evolving issue regarding my privacy information with regard to my credit card that I had with Wells Fargo. There has been a business senior Vice President named XXXX XXXX and XXXX XXXX who has invaded my personal information to collaborate with other businesses and other business people in the community to make money and ruin my reputation. They would use every little purchase to combine forces to help themselves and hurt my reputation. All of my purchases and dates. They even combined forces with local baseball players including the XXXX XXXX players named XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

SUMMARY : 1. 3 1/2 YEARS OF CONTINUED FRAUD NO ACCESS TO ONLINE BANKING ; & 2. BLOCKAGE ON THE CARD STATEMENTS ONLINE & REQUESTS FOR STATEMENT REFUSED TO BE SENT ; & 3. FAILURE TO CORRECT FRAUDULENT TRANSACTIONS & /OR DISCLOSURE THE TRANSACTION ON A WRITTEN STATEMENTS ; & 4. BALANCE & PAYMENT AMOUNTS NO ACCESS & REFUSED WHEN I CALL INTO THE COMPANY ; & 5. NEGATIVE CREDIT REPORTS WITHOUT ACCESS ; & 6. NEGATIVE PAYMENT HISTORY NO ACCESS ONLINE OR CALL IN ; & 7. THE CARD HAS PRIVACY ISSUES, AS IT APPEARS THE ACCOUNT HAS BEEN TAKEN OVER BY A 3RD PARTY FOR A PERIOD OF 3 1/2 YEARS THIS HAS BEEN CONTINUOUS & ONGOING.

TO MY KNOWLEDGE THERE IS NO CITIBANK MASTERCARD. I DID NOT ASK FOR A CHANGE FROM CITIBANK VISA MY ORIGINAL CARD TO CITIBANK MASTERCARD. NO TERMS WERE ISSUED OR ANY OTHER DISCLOSURES. I BELIEVE THIS CARD IS ISSUED IN FRAUD & ACCOUNT IS TAKEN OVER BY A 3RD PARTY.
Consumer complaint received 2019-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have student loans with the University  of XXXX back in XXXX-XXXX, University  of XXXX from XXXX, XXXX XXXX university ( Parent Plus ) from XXXX-XXXX and XXXX-XXXX and XXXX university ( Parent Plus ) from XXXX-XXXX. 

Over the years I have not had the money to pay and what should be a principal amount under $ 150K in loans is now upwards of $ 650K which includes interest based on deferments and forbearance requests as I could never get Sallie Mae or Navient to get me on a repayment program that agreed to on the phone. 

I am currently repaying 1 of 2 loans ( one is mine ) and the other was cosigned by my wife as that was the only way I could get a consolidation loan even though my wife doesn't and can't work. I have asked to have her released off the note so that if I die she isn't responsible for $ XXXX in loans that isn't hers but they refuse. 

My current loan payment on loan XXXX is {$1700.00} per month which took almost a year to come up with after being told they could get me a payment of {$1000.00} per month. Had I not started paying this amount my loan would have started the default process in XX/XX/2019. 

What's worse is that loan XXXX has a balance of $ XXXX and I can only imagine what my payment will be on that when it comes out of forbearance. I had to use the forbearance as I  could not get navient to get my payment low enough to be able to pay both loans at the same time. 

I honestly don't know how I will ever get these paid off at an 8.5 % interest rate and don't have good enough credit to refinance so that I can get my wife off the loan. Who let 's someone use 20+ years of forbearance and deferment? It's like giving an alcoholic a drink each day after he finishes his alcoholics anonymous meeting. 

I was finally at the point in my life about 10 years ago that I could afford repayment but could never, ever get anyone to get me a repayment plan that I could afford. My attorney told me to just pay something ; however, if I didn't pay the full amount I would be in default. 

I NEED HELP!
Consumer complaint received 2019-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

{$220.00} has being stolen from my mortgage payment twice by TIAA. During XX/XX/XXXX there was a hurricane in Texas. My home didnt experience any flooding, however, my homeowners insurance premium doubled. It took me several months to find new, reasonably priced, insurance. During this time, I had a lapse in home insurance of one month. My mortgage company at the time, XXXX, purchased insurance on my behalf and charged me {$220.00}. I didnt have an escrow account associated with my mortgage at the time. The {$220.00} insurance payment appeared on my XXXX statement as a - {$220.00} escrow balance. The loan was purchased by TIAA in XX/XX/XXXX. TIAA applied {$220.00} of my principle payment toward the - {$220.00} in XX/XX/XXXX. I provided documentation that I didnt owe {$220.00} for escrow and TIAA reapplied the {$220.00} back toward the principle and the - {$220.00} escrow amount appeared again on the mortgage statement. In XX/XX/XXXX they took {$220.00} from my principle payment again. This time they are refusing to replace the misappropriated payment toward the principle essentially stealing {$220.00} from my mortgage payment. I have requested corrective action several times to no avail. This may not seem to be allot of money, but my husband and I work very hard to pay our mortgage on time and it is unacceptable for any portion of our payments to be stolen from it. Please help us resolve this issue once and for all.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CO)

In less than a 24 hour period I have received three separate phone calls from XXXX XXXX XXXX. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of  my social. When I called back to find out who was calling, I was threatened with a lawyer. XXXX then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need XXXX to cease contacting my former relatives ( ex-brother-in-law. )