davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (IL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested.

I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine.

I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter?

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state?

5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature?

6. Please provide a complete account history, including any charges added to this collection agency or any account?

7. List of all names and contact information of all employees that was spoke to regarding this account or collection?

You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Consumer complaint received 2021-07-06
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. (CA)

I have a Bankruptcy only reporting on TransUnion. This should not be on my report. I spoke to a supervisor regarding this and she sent me to a website claiming XXXX is how they verified the bankruptcy belonged to me. My XXXX has been frozen for over 2 years due to severe identity theft I have been through. The bankruptcy is not on my XXXX. So now I have several problems. First, a falsely reported bankruptcy ONLY on my TransUnion report. Second, I was lied to by a supervisor, working at TransUnion. Third, I am the only one being harmed by this. I have excellent credit and this is keeping me from qualifying for a home and other things I deserve. TransUnion is falsely furnishing data on my report and LYING to me.
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I 've cotacted this company on XX/XX/XXXX and spoke with XXXX to inform her that I had credit inquires on my report that were no authorized by me. she told me to contact the companies I 've sent certified letters its been over 60 days and I have n't heard any information. she told me to contact them again. and I explained to her that these were unauthorized she was no help at all. I 've spoke with about 7 other assoicated between XX/XX/XXXX-XX/XX/XXXX and got no help. 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX +
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

6 weeks ago I called Experian and requested a copy of my credit report. At the time I was told that I could not get a copy of my report because I had an active investigation pending. I was told to wait a week and check back. 
I checked back in a week and was still unable to get a copy of my report. So I called back. At that time the agent told me that the reason I couldn't get a copy of my credit report was because my account did not have an address. I was stocked and confused because I the credit reports I seen did have my address on the report. The agent then told me that since my driver 's license was on file, she could update the address information using my license. I confirmed that the address on my driver 's license was correct. Then the agent told me to wait 72 hours. I waited the 72 and again I could not obtain a copy of my credit report. So I called back and again I was told that my account did not have an address. So again I updated the account with my address. I was told to wait 72 hours. But again I was unable to obtain a credit report. I called back and I was told that my account was being updated and to give it a few more days. I did that and when I called back and was again unable to obtain my credit report I was told my an agent that I needed to send in additional information. This was NEVER told to me in the 6 weeks I have been attempting to get a copy of my credit report!
Consumer complaint received 2018-02-09
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. (CA)

Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX  report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my XXXX and XXXX reports as well and have had no response.
Consumer complaint received 2017-11-21
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. (LA)

All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

0n XX/XX/17 my computer locked up and i called XXXX XXXX and was tlod there was a charge for XXXX for some XXXX site and i had to get gift cards to offset the charge so it wouldn't go thru and i ended up getting my allowal withdraw to raised to XXXX and purchased the gift cards THE BANK SAID THAT I WOULD BE REIMBURSED. Then I got a letter that the investigation determined there was no fraud occured. YES I TOOK THE CARDS POUT AND GAVE OUT THE NUMBERS I want to recover the money and I have all the information from the call and i'm looking to see what I can do. For XXXX I wood be willing to get a lawyer to help, but I dont know what kind. THE BANK IS TD BANK.
Consumer complaint received 2021-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I had {$11000.00} loan on XX/XX/2006 to attend XXXX XXXX XXXX. I've made payments totaling over {$21000.00} XXXX dollars. They allege I still owe {$10000.00}. 
This is ridiculous and a blatant robbery. 
I need assistance with this company that is probably doing the same to thousands of other people. 
I am a XXXX XXXX XXXX XXXX caring for my son and I this is a burden on my finances and it is compromising my stability.
Consumer complaint received 2021-07-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (TX)

Purchased my home in XX/XX/XXXX. It was a new build although there was plenty of homes in the surrounding areas. First year my payments were {$1900.00} up to second year XXXX I was offered to refinance which dropped my percentage from 4.25 % to 3.0 %. The first year I also received a check of {$5000.00} due to escrow refund. The purpose was to lower my payment and the loan was for the same term. My new monthly balance became {$1300.00} ( XXXX ) which I had worked my other bills around and helped because of covid pandemic. At the beginning of XXXX I also applied for the XXXX exemption. Up to XXXX of this year my payments were {$1300.00} and then I received my escrow balance and it showed negative - {$7000.00} and my payments have gone up to {$2300.00}!. After seeing the {$1000.00} difference I called them. So their first response is because taxes had gone up which I only say a few XXXX dollars. I'm not sure how they could have miscalculated that much and after reviewing they did think it was strange and after 30min on the phone being transferred the call dropped. I decided to call again at a later time and they informed me that someone would send me my escrow analysis. Unfortunately due to covid, the winter storm here in Texas, and a vehicle accident I haven't recovered financially and when I was ready to my payments have increased. I have also gone under forbearance due to this.
Consumer complaint received 2020-10-08
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: ENCORE CAPITAL GROUP INC. (TX)

Ever since XXXX Ive been disputing this account. My last dispute was sent back as Updated/Verified on XX/XX/2020 but they have failed to have a method of verification that this debt is indeed mine. This debt is only reporting in XXXX.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WA)

I got a call from Discover credit card company regarding my past due balance. I asked the representative why I am being charged late fee of over {$40.00} when the law just passed prohibiting them from charging more than {$8.00}. She said she was not aware and her supervisor was also not aware of any new laws either. Discover credit card.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I filed a dispute asking the following accounts to be verified and to provide the method used for validation. it's been a couple months and I haven't gotten a response back yet, which is a violation of my rights. 

XXXX XXXX : XXXX This account has multiple inaccuracies as well. also the last updated status for this account is XX/XX/2021. Please delete permanently or I will sue! violation! 


XXXX : XXXX This account is not mine and has not been verified as mine or shown how it has been verified by providing original documents. 

XXXX XXXX XXXX XXXX : XXXX This account has multiple inaccuracies after months of disputing multiple times. please delete.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX, XXXX, found out Equifax a victim of cyber hack. 
XXXX XXXX, XXXX, found out I am a victim of stolen information. 
Companies with possession of confidential information of millions of Americans should have better protected their assets.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

Hello, We 've reached out to the servicer of our mortgage because we had an escrow shortage. We called the company in the beginning of the month to get this straightened out. We were told to email a copy of our homeowner 's declaration page to have our account reanalyzed. We sent correspondence on XXXX XXXX, XXXX and XXXX. We 've had no help and no one on the phone will assist. The mortgage company over estimated our escrow analysis. While I know we still will have some shortage we 'd like a correct escrow analysis completed. 

Thank you
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

I have sent to certified letters over the last 60 days stating to Experian that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the XXXX XXXX Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against Experian for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the XXXX Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MA)

An account was opened from XXXX XXXX  which is now be handled by Midland Credit Management. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in 4-5 months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

My wife and I bought a house by signing a contract with seller and recorded with the county for {$390000.00} in XX/XX/2019. House was held with {$50000.00} down paid to seller in XX/XX/2019. We spent hundreds of hours and tens of thousands of dollars fixing it up for appraisal and new mortgage. In XX/XX/2019 I applied for a mortgage with LoanDepot and an appraisal was ordered and completed in XX/XX/2019. During loan process I was asked and I signed a PMI form, I pointed out that the appraisal will be much over the 20 % LTV needed. I was told it gets dropped when appraisal value shows this new LTV.

Appraisal came in at {$610000.00}, Mortgage taken on house {$340000.00} At closing I was told just sign its an easy fix. I have contacted HomeDepot PMI removal dept. twice explaining this. Both times I receive a form letter explaining how to pay {$28000.00} to get PMI removed, or wait two years. 
How do I proceed with getting PMI removed? 
Thank you, XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I walked into XXXX XXXX XXXX ( XXXX location in XXXX FL ) with my husband. We were met at the door by sales rep XXXX. While looking around he told us about two credit card offers. A 5 year interest free offer and a 6 month interest free offer. I agreed to apply to the 5 year interest free offer. My husband and I didnt get approved for the amount we hoped for so XXXX suggested we apply for the second program. I told him I would not apply because I did not want two hard inquiries. He assured me that both programs are underwritten by the same bank XXXX XXXX XXXX and therefore I would only have one inquiry. 

After double checking the facts with XXXX, and agreeing to be considered for the 6 month interest free card, I then received an email alerting me of two hard inquiries. One from XXXX and XXXX from XXXX XXXX. XXXX, the sales rep insisted that it was the same bank. When I returned to the store a week later after receiving XXXX separate letters in the mail, I explained what happened to the store XXXX XXXX XXXX, he confirmed that the information my husband and I were provided was incorrect and that he would deal with the sales rep accordingly. He also apologized but said this was a corporate issue, not a store issue. 

When I called corporate several weeks later on XX/XX/XXXX, they told me this is a store issue, not a corporate issue. I spoke with XXXX XXXX at XXXX XXXX XXXX corporate who was unable to provide me with any substantial resolve. 

I now have an authorized hard inquiry on my credit report that the store refuses to write a letter on my behalf so that I can submit it to the credit bureaus and have the inquiry removed. This has been an extremely stressful and upsetting situation to say the least.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

On XX/XX/2020, I received a refund in the amount of approximately {$7600.00} on my CITI credit card and to date ( one month later ), I have not been able to get my refund. I have contacted Citi AAdvantage multiple times and they told me it will take 3-5 days. As of today, my account is still showing a credit of {$7500.00}. 
Company Information : Citi Cards XXXX XXXX XXXX XXXX, KY XXXX www.citicards.com Customer Service : XXXX
Consumer complaint received 2020-06-23
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: CBC Companies, Inc. (MA)

XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX Factual Data reported on credit report XXXX XXXX XXXXs reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Regarding : EQUIFAX Several years ago I placed a credit freeze on all 3 credit reporting services. I have been able to unfreeze/refreeze all without a problem. 

At the beginning of XXXX I tried unfreeze my credit reports. I was able to do so for all but Equifax online. Equifax would not let me in online. 

I subsequently called and was told that because of something I did they had permanently locked me out from being able to freeze/unfreeze online. No explanation, no reason and no recourse or way to correct whatever they seemed to think had happened. 

on XX/XX/XXXX I tried to unfreeze, still could not get in. So i called. Was on hold for about 30 minutes, finally someone answered and told me their system was down and to call back again. They should have offered to call me given all the security checks you have to go through before talking to anyone. 

On XX/XX/XXXX I called again, went through all the security checks, began talking with someone, and suddenly hung up or something because I was put through to the post call evaluation system they use. 

I called again on XXXX, spent another 30 minutes or so going thru security checks and got through to someone. She was able to lift my security freeze temporarily. I then asked about the problem logging in and got the same answer. I asked who I could talk to about it, and wasnt able to get an answer. I asked what regulatory agency oversaw them, she could not or would not answer. She finally agreed to put me through to a supervisor. After being on hold for around an hour I finally hung up. 

This company has control over my finances that I did not directly grant them, and their service is completely horrible. They are responsible for the XXXX security breach for which I had to freeze my credit in the first place, and then have made it very, very difficult to unfreeze my credit. 

It is simply unreasonable and unfair for them to be able to act this way. 

I believe that it maybe that they locked my online access because I was attempting to unfreeze my credit while on an airplane and using a VPN, but I dont know that. Whatever the reason, to place a lifetime ban on online access, then make it super difficult to call in, is terrible.