davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-15
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CA)

Sent American Express and XXXX a Dispute Letter requesting verification of inaccurate information being reported on my credit report. Letter was sent via certified mail and delivered. Dispute case was opened on XX/XX/XXXX and after only 1 week the dispute was " resolved '' by XXXX. Several violations to the FCRA & FDCPA were committed. 

1. No verifiable evidence was provided ( bearing my signature ) for the ownership of this account. 
2. XXXX  or AMEX changed the 7 year removal date. Under federal law any negative account being reported can only remain on account for no longer than 7 years from delinquent date. Before the dispute was created the " age date '' of this account was XX/XX/XXXX. After the dispute, the date was changed to XX/XX/XXXX. This is an illegal action and account must be removed for violation of the FCRA & FDCPA.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AL)

I have a store credit with XXXX XXXX XXXX which is thru Wells Fargo. If I would have known before applied wouldn't have done it. I am a going paying customer. My bill is due on the XXXXbof every month. I received a billed stating that I have a {$29.00} fee which I didn't understand. I called customer service and stayed my issue. Customer service representative stated yes I was a good paying customer and she couldn't help as well as her supervisor. I was told and quote " Go to the bank and ask them to take it off. I was shocked and it was documented on my call either written or recorded. The bank stated she knew better than to tell me that. I have decided once I pay off this bill with the furniture store I will probably get rid of this account. Wells Fargo doesn't work for me
Consumer complaint received 2019-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

My trouble arise with regards to retiring the PMI and NewRez Mortgage playing with definitions. I purchased my property over six years ago. The mortgage has been bought and sold about three times. NewRez is not the original mortgage company. Per definition, I am eligible to have PMI removed when I achieve a 20 % equity. Or when there is 80 % or less. I applied in XX/XX/2019 to have the PMI removed, I was declined. I appealed and submitted the closing statement with the amount borrowed from the original mortgage company. I paid XXXX for the house and borrowed XXXX. Thus, I had 10 % equity. The current principle balance is XXXX. So when I calculate the following equation, XXXX/XXXX. I show I have a loan to value= .7927 or 79.27 %. When the principle balance reaches at {$180000.00}, I calculate that is the 78 % where PMI should be taken off automatically. They told me I would need to wait an additional 9 months. I am being forced to get an Broker Price Opinion. 

They claim that that the original sales price the house was listed at {$260000.00} and compared to the price I paid, {$230000.00}. Per your website, that is not how the calculation should be. They are saying they can use another method based upon their own requirements, which is having a 25-40 % equity before PMI can be cancelled.
Consumer complaint received 2021-12-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (HI)

In XXXX we got a predatory HELOC loan for XXXX XXXX dollars from XXXX, we have since learned that the gentleman who created this loan has a reputation for being unscrupulous. At the time this loan was approved, we didn't qualify for a fully adjustable rate for this loan. This loan was then sold to XXXX XXXX  XXXX, then to XXXX, and now is owned by XXXXXXXX XXXX XXXXXXXX XXXX solely as a legal trustee for XXXX XXXX XXXX XXXX1. This loan is being serviced by Specialized Loan Servicing ( SLS ) who handled all of XXXX loans. 
When the Covid pandemic hit, we filed for forbearance with SLS ( XXXX of XXXX. ) We filed a mortgage assistance application for Specialized Loan Servicing on the recommendation of SLS representatives in XX/XX/XXXX. It has now been 21 months and pandemic be XXXX, we are being charged an average of $ XXXX for the last 21 months. In our view, this is clearly a predatory maneuver on the part of SLS. Their position for the last three months has been " we have not received documents of information not in your control that we require to determine which loss mitigation options, if any, will be offered on behalf of the owner or assignee of the mortgage. We have requested such documents and/or information and will complete the evaluation for all available loss mitigation options promptly upon receiving the documents or information. '' Interest is accrued on top of interest due as a penalty. We are not able to refinance until we pay taxes this year, due to the financial troubles caused by the pandemic and we believe we shouldn't be paying or charged interest on top of interest. SLS is currently giving us a statement saying our past due amount ( due to pandemic forbearance ) is {$110000.00}, Total amount due is {$120000.00} our Credit Line is $ XXXX, and our New Balance is {$620000.00} They are charging approximately {$2000.00} of interest variably per month. We would appreciate any help, advice, or suggestions on how to resolve this situation. Thank you.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian is incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with SOUTHWEST CREDIT SYSTEMS. I do not have a contract with SOUTHWEST CREDIT SYSTEM. They did not provide me with the original contract as requested.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

XXXX refuses to honor the bonus offer as documented in my credit card account approval letter after I acted in good faith and met the specified requirements. 

XX/XX/XXXX - I applied for a XXXX  XXXX XXXX and received an account approval letter dated XX/XX/XXXX. The letter specified my credit limit, PIN number, and most importantly offered me XXXX AAdvantage bonus miles. The approval letter stated, " Earn XXXX XXXX XXXX AAdvantage bonus miles after spending {$3000.00} in purchases within the first 3 months of account opening. '' XX/XX/XXXX - I surpassed the {$3000.00} spending requirement. 

XX/XX/XXXX - I spoke with a customer service representative and was subsequently forwarded to a supervisor named XXXX XXXX XXXX XXXX. She told me that the bonus miles offer was active on my account at the time I received my letter in XX/XX/XXXX but it was removed from my account in XX/XX/XXXX. She stated that she does not have the ability to add it back to my account. 

XXXX claimed that it was removed from my account in XXXX because I had previously had this credit card with Citi in XXXX ( closed XX/XX/XXXX ). I told her I have this offer in writing in my account approval letter and there is no mention of any such condition. She countered that the restriction was in the application. This is false. The application stated that I must not have opened/closed an account within 24 months to receive the bonus offer. Furthermore, the account approval letter is documented proof that I met the requirements for the offer. 

XXXX acknowledged that she has received similar complaints to mine, but there is nothing she can do. Accordingly, I believe this is a wide spread deceptive practice used to increase revenues on new credit card accounts. I hope a regulatory investigation is performed.
Consumer complaint received 2019-11-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GREAT LAKES (TX)

This company have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations.XXXX XXXX XXXX, d/b/a XXXX XXXX XXXX XXXX, et al. The companies listed have been sued by the Bureau of Consumer Financial Protection, The State of Minnesota, The State of North Carolina, and The People of the State of California ( collectively, Plaintiffs ) for deceptive and unlawful practices related to their student loan debt relief operation. The Plaintiffs lawsuit was filed on XX/XX/2019, naming as Defendants all of the companies listed, along with their principals. The Court entered a Temporary Restraining Order ( TRO ) the same day, which prohibits any further unlawful conduct and appoints a Temporary Receiver to take possession and control of the business. The Temporary Receiver suspended operations and conducted a review of the business. A copy of the Receivers Preliminary Report can be found in the Documents section of this webpage. On XX/XX/2019, the Court entered the parties Stipulated Preliminary Injunction which extends the restrictions in the TRO until there is a trial of the case. The Receiver has concluded the Defendants business operations can not be operated lawfully and profitably. As such, the operations have been terminated. I applied for this student loan consolidation program as this company posed to be supported by the Department of Education. I have made 3 months payments to this unlawful company, totaling in a loss of {$750.00}.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

Citibank sent me an offer via email indicating a bonus of XXXX points with a new card. I got the new card and met the offer terms but no bonus. 

When I reached out to Citibank I was told this was because I had had a card with them FOUR YEARS AGO!!! So I dont know why the offer was sent to me in the first place. There were multiple opportunities to let me know about their supposed eligibility criteria but Citi never did that. 

Please help. Thank you.
Consumer complaint received 2019-12-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (GA)

Debt collection company called me out of the blue and stated that I owed a debt, that was more than 20 years old. The statue of limitations for collecting a school debt in Michigan is six years. When I spoke to them, they said, they were going to take my taxes and report me to the three credit bureaus. They the also stated that the debt has occurred interest day by day. The debt was twenty years ago. the amount owed they were claiming I owed was {$860.00}, they also told me I had a XXXX principal.
Consumer complaint received 2019-12-15
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. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Dept Of Ed Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed these accounts with the credit bureaus to no avail. these accounts do not belong to me and need to be removed. the credit bureaus are in violation of the FCRA.
Consumer complaint received 2022-01-11
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: COLLECTION SERVICES OF ATHENS, INC. (GA)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.
Consumer complaint received 2019-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants and XXXX XXXX XXXX, Inc.just doesn't seem to get it. They continue to damage my credit report. This is a bill that I do not owe, it was a bill that was generated by an auto accident that I was not a fault for. I have a lawyer on the case and this company has been sent letters of representation. These bills dated for XX/XX/2019 are not my bills to pay and I wont be paying for something that is not my obligation to due so. 

This company claims that they are great company but they are crooked because they do not care about any of their clients, this company has damaged my credit report and for what for a bill that will be settled when the lawsuit gets settled out. I would think this company could be more reasonable about this situation, but apparently they are aggressively attacking me on an everyday basis.
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have an outstanding debt from : XXXX XXXX for {$13000.00}. It appeared on/around XX/XX/2018. 

I have no knowledge of this debt. Ive requested to have this removed from my name with no response.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

i attended the XXXX XXXX XXXX XXXX as PhD candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for Navient and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO reduction should kindly be instigated for all Navient and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX keeps reporting to the 3 credit bureaus that I have open accounts with them that all have balances on them. This is incorrect. All of my accounts with XXXX were transferred/consolidated/paid off by XXXX in XXXX. I disputed these accounts with the Experian on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of the disputes came back with results saying that XXXX reviewed the account and they are all correct. My debt to income ratio is suffering drastically because my credit shows XXXX XXXX loans that shouldn't be there. When I spoke with XXXX after each dispute the representatives tell me they can not legally remove them from my credit report and it can take years for it to show that it's been closed. This is incorrect because my XXXX accounts were also transferred to XXXX and they are already showing closed with a {$0.00} balance.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I had written to exqufix many time with a police report and affidavit that the debet is not mine. I gave the company ( Exqufix ) all the proof they asked for and more, still the company ( Exqufix ) will not do is right. The medical bills on my credit report is not mine, due to I.D . theft. I need you help and can you tell me how I can -sue- the company - Exqufix. Also all the ( hard inquries ) on my credit report is not mine, some tried to open credit in my name, i never gave anyone permission to run my credit.
Consumer complaint received 2019-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IN)

On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to Midland Credit of XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to XXXX XXXX XXXX of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to Midland Credit , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel XXXX XXXX XXXX to respond with this information as time is of the essence. 

Thank you,
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX  filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Consumer complaint received 2019-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC (IN)

On each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to XXXX XXXX XXXX XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to Lloyd & McDaniel of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to XXXX XXXX , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel Lloyd & McDaniel to respond with this information as time is of the essence. 

Thank you,