davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX F, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

COMPLAINT : XXXX : EQUIFAX : XXXX : VS XXXX XXXX XXXX XXXX. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND 40 MILLION IN CAL 12 MILLION IN XXXX XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX XXXX XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX XXXX XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE 12 MILLION PEOPLE IN XXXX XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?
Consumer complaint received 2015-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Re : Equifax tracking # XXXX Customer Reference : XXXX Equifax sent a credit report for my XXXX listing XXXX judgments and over XXXX liens, all of which pertain to other companies, not mine. 

-- XXXX XXXX has only ever operated in the State of California, with all our clients also located in the State of California. Most of the companies listed in the report are from other states. 

-- My business has never missed or been late with a credit card or any other loan payment. 

-- My business has never had a judgment against it, nor has there ever been a legal claim filed against it. 

-- There are not now, nor have there ever been any liens against my business.. 

Therefore, the listing of companies that have nothing to do with myself or my business, is erroneous and the result of either fraudulent claims by other parties or negligence on the part of reporting agencies who failed to cross-check names, TIN numbers, and/or addresses. 

These errors have adversely affected my credit report, resulting in the loss of credit from at least one lender.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I filed for chap XXXX bankruptcy in XX/XX/2014 due to medical issues. At the time of filing the arrears on my property was {$9000.00}. The mortgage lender failed to file a claim with the court and consequently, the court was not able to make any payment to them ; although I made the payments to the court as required by the terms of my plan. The arrears on my property have now risen to more than {$25000.00} ( due to the lenders negligence ). Due to ongoing medical treatment, I have made several attempts to obtain a mortgage modification and am being told by the lender that " they are not able to offer any modification that will reduce my payment to an affordable level based on my verified income ''. My problem is ; were it not for the failure of Ocwen to file a claim with the court these arrears would not have reached this level. I can not imagine an acceptable reason that the lender could not get the claim filed with the court during the course of an entire year. If not for their error, they would have received payment. The money was on file with the court and was disbursed to another creditor because of their error. The lender is now holding me accountable for their negligence ; and I am being told that there are no options for me to work out a plan to keep my home.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Regional Management Corporation (TX)

I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.
Consumer complaint received 2016-12-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUHOME SOLUTIONS, LLC (TX)

My husband is a documented, XXXX veteran, retired from the XXXX. 
In XXXX, XXXX, we purchased a home in Texas where the law grants a 100 % exemption of property tax for 100 % XXXX veterans. 
Since the end of XXXX, XXXX, I have been talking with my mortgage company and sending them documents as requested, to try to get the property tax payment removed from our monthly mortgage payment. I 've also contacted my local tax office as they requested. 
From XXXX XXXX up to the present, the mortgage company has been charging us over {$500.00} per month for escrow payment for property tax. The payment still has not been adjusted and remains the same for XXXX XXXX, XXXX. 
This should have been corrected months ago, and I do n't know what else to do to get them to change it. I 've talked with them about this at least 6 or 8 times.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, XXXX I mailed Experian a CERTIFIED LETTER indicating that my credit file needed correcting, and that the subject public judgement in favor of XXXX XXXX Bank, be removed from my report. All of the proper information regarding my file was included for their easy access and identification, along with my current picture ID for personal verification purposes. 

After six ( 6 ) weeks of no response, I wrote another CERTIFIED LETTER to Experian on XXXX XXXX, XXXX with the request that they automatically delete the subject file from my report, since they provided no response whatsoever, and whereas they obviously were unable to successfully dispute the matter as REQUIRED BY FEDERAL STATUTE within thirty ( 30 ) days of my notification. I also included my original letter along with another copy of my current ID. 

After not hearing from them after another two ( 2 ) week period, I CALLED them on XXXX XXXX, XXXX to once again, address this urgent issue. They told me they were still investigating the matter. I firmly insisted they had had enough time, and that if I did n't have a confirmation email that the filed had been corrected, and the Judgment deleted from my report by Monday XXXX XXXX, XXXX, I would file a formal complaint with your agency.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I sent Experian a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : XXXX XXXX, XXXX XXXX XXXX conn, XXXX XXXX, applied bank, and cbna sears all which do not belong to me and the response was that it was " verified ''. According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called Experian and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified Experian have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested. I HAVE ATTACHED THE FORM THAT I SENT CERTIFIED TO EXPERIAN.
Consumer complaint received 2017-01-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (WV)

My unsubsidized private student loan was approved in XX/XX/2008 by XXXX when I was attending XXXX XXXX University in XXXX. Then it was sold to AES as a new servicer. I am now in my last year of dental school. AES contacted me stating that my payments were now kicking in. I told them I was a full student in my last year of dental school, and I only receive financial aid which make it really hard for me to honor payments of almost $ XXXX. All I asked AES was to postpone my payments for another year because after graduation from dental school I was planning on getting a job and it should n't be a problem making those payments then. AES said they would see what they could do to help. So, AES made me submit an application for payment deferral just to tell me later that my student loan is an XXXX XXXX and that I had an extension once with XXXX bank, therefore they could not give me an extension. 
But AES suggested that I may qualify for a hardship payment reduction, and asked if I was interested in applying for that. I applied for it stating as a reason that I was a full time dental student and could not afford the payments until I graduate in a year. AES later told me my reason for requesting a hardship was not temporary in nature, therefore I could not qualify for a hardship payment reduction neither. 
Every time I call AES, they say I have to apply for something else because I was not approved for the previous thing they made me apply for. While AES was pretending to be trying to help me find a solution to my case, it was reporting me to the credit companies as late on my payments. 
I had to use the financial aid I was receiving to pay AES and stop the damage it was causing to my credit. 
I do not agree that AES reported me as late when they said they were trying to help me find a way to either postpone my payments or lower my payments. I would like AES to remove the late payments they reported to the credit bureaus and to postpone my payments till I graduate from dental school. 
Thanks
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citi Gold Checking account, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX XXXX as a bonus after fulfilling stated requirements. 

I live in Texas where there are no physical Citi Bank Offices, so I had to apply by phone. The Citi agent assured me that I indeed qualified for this offer and that the offer code was attached to my new account. 

As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. 

To avoid any monthly checking account fees, I deposited {$51000.00} into the account by check via regular mail. This finally was accomplished after XXXX attempts and multiple phone calls with Citi and during each call I was assured that I qualified and that I would receive the XXXX. The first attempt to open the account took place the middle of XXXX 2016. Due to a fraud alert attached to my credit reports ( due to a previous identity theft ), Citi did not accept the check since they were unable to contact me ( I was out of town when they called to verify identity ). Subsequently they sent the check back to me. 

After contacting Citi again, I was told to resubmit everything including the offer code and the {$50000.00} to avoid monthly fees. So on XXXX XXXX, 2016 I attempted the account application for a second time, again on a recorded phone line. I finally succeeded in depositing this large amount of money into the account. During XXXX application attempts, which involved several phone calls, the Citi agents assured me during each and every communication that I indeed qualified for this offer. 

I did all the required steps ( spend {$1000.00} with debit card, perform XXXX bill pays within the first 2 months ), but now Citi is telling me, that I do not qualify for this offer. This after having been told during XXXX applications that I did in fact sign up the correct way, that I completed the required steps and that I would receive the XXXX within 90 days. 

I have talked to Citi about this several times and I am very frustrated. I have to conclude that this is either a scam or false advertisement on Citi 's part.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

In XXXX XXXX I experienced a foreclosure in the state of Arizona. I had a XXXX/XXXX/XXXX. The XXXX lien was with XXXX XXXX XXXX and the XXXX lien with XXXX Bank. XXXX XXXX XXXX has reflected the foreclosure since XXXX. XXXX Bank was reporting the {$25000.00} XXXX lien as closed since XXXX XXXX ; however, it came to my attention that my DTI was extremely high. This was odd since I do n't carry balances on credit cards. I have been building my credit back up over the course of the past XXXX years and it was in the XXXX zone if not higher. I reviewed my credit report and XXXX Bank was reporting that I owed approximately {$24000.00} a month in monthly debt obligations. Absolutely not. I disputed this and they corrected it. But when they corrected it they claimed the charge off to be XXXX XXXX. I have already experienced the devastation of my credit in XXXX and XXXX. I am now being penalized again for the same event by XXXX Bank, but today, XXXX XXXX. I have called XXXX Bank and I get no where. Experian says their hands are tied. This is violation of FCRA and I am being penalized for the same thing that I have been rebuilding from. I just received a notification that my credit score, from being XXXX in XXXX is now a XXXX. I have 8 % DTI. I 'm seeking help. I have also inquired with a lawyer if I ca n't get this resolved. Please help me.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA (CT)

National Collegiate Trust/American Education Services is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XX/XX/2008 because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). NCT/AES did not object to the discharge order. 

Finally, this note was falsely labeled by XXXX XXXX XXXX as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

While attempting is refinance my home mortgage in XXXX and XXXX XXXX, I discovered a Derogatory Collection Filed on my credit report that did not belong to me. Creditor listed as XXXX XXXX XXXX in the account number XXXX and original creditor being XXXX. Amount of {$390.00} had been sent to collections in XXXX XXXX. Upon my personal investigation with phone calls to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX. I was told that the name on this account was XXXX XXXX. The Social Security number they had on file matched mine. I am not that person nor have I ever used the name XXXX XXXX as an alias or any other name for that mater. Furthermore I have never lived in XXXX nor have I ever been to the state. My efforts through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the reporting agency XXXX XXXX, where the error had been discovered, to try and correct this error were not satisfactory. I then contacted my US Congressional Rep, XXXX XXXX, and her staff helped me by filing a complaint on my behalf with CFPB. That complaint number was XXXX. After CFPB 's investigation a satisfactory resolution was achieved with XXXX XXXX deleting the derogatory information of the {$390.00} collection from my credit report in XXXX of this year XXXX. However I have now discovered that XXXX of the other major credit reporting agencies, XXXX/FICO and Experian/FICO have not deleted the derogatory collections information from my credit reports regarding the XXXX XXXX XXXX {$390.00} error. The other XXXX agencies also have the name XXXX XXXX with my Soc Sec number listed under Source of Information. Another error. I was under the impression that once XXXX XXXX had deleted the incorrect information from my credit report and XXXX XXXX XXXX had corrected their error that XXXX and Experian would update their records and delete the information also. But, after calls to CFPB and XXXX XXXX, I was informed that the Credit Reporting Agencies do not communicate this information with each other and each agency has it 's own methods of reporting information on consumers. I would like to have Experian and XXXX delete the collections information and remove the name of XXXX XXXX from my credit reports. Also XXXX and Experian have an address listed for me in XXXX, IL under the Source of Information that I have never lived at. I have lived in XXXX, IL since XXXX and no other city or state.
Consumer complaint received 2016-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

There are XXXX inquiries on my report which I have never authorized and I have asked Equifax to please review and remove the inquires off of my file. I never authorized XXXX, XXXX or XXXX XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.