davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

Citibank , N.A . continues to circumvent the CFPB process by sending me letters related to open complaints ( see complaint # XXXX ) while refusing to upload the responses to the CFPB. While the letter I 've attached from Citi purports to show that the CFPB was carbon copied, the letter was never attached to the open complaint. As I have stated in the prior complaint, my identity was stolen by my deceased husband to open the Citi credit card. I have asked for the signed application or anything that would show I opened the card and was told that it no-longer exists. After several months of back and forth, I received a letter with copies of XXXX checks that I signed that says " I acknowledged the debt. '' During my husband 's XXXX he spend nearly 30 days, split up over several overnight inpatient stays, to have multiple XXXX in the last year of his life. I 'll reiterate that my husband handled all financial and banking issues during our 40 year marriage. The XXXX checks Citi provided with my signature ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all correspond to dates that my husband was in XXXX recovering from XXXX. During those inpatient hospital stays my deceased husband was XXXX he was unable to sign his name and write. For this reason alone, he asked me to bring his checks to the hospital, indicated who should get checks and for what amount, and asked me to sign the checks on his behalf. At no time did my deceased husband explain to me what the checks were for - I was just following his instructions while he was in the hospital. The concept that my signature on these XXXX checks in this specific situation would " acknowledge the debt '' and make me liable for his obligations is utterly absurd. I have already filed an FTC Identity Theft Affidavit that was signed and acknowledged before a XXXX County, Maryland police officer. As I have repeatedly indicated, I will do this again if Citi requires yet another statement my me under oath that the Citi credit card was never mine.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I received an email alert from Experian credit bureau telling me that my score has dropped by twenty points - from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX. Upon inquiry with experian I was told by two representatives that it was due to a late payment reported almost seven years ago. Another representative told me it was due to inactivity for the past three months on my two open credit cards. This of course is not true since these cards are used on a daily basis for everyday purchases. I pointed out to the representative that I have not had any adverse report from the other two agencies ; in fact I have very high scores of XXXX and XXXX with XXXX  and XXXX respectively. The representative went on to tell me that there was nothing that could be done about it. I asked to speak to a supervisor who also reiterated that I can not dispute a credit score. 

I find it arbitrary and unfair that a consumer can be treated in such a fashion. This is a company that wields a lot of power over consumers and has the ability to affect a consumers daily life negatively! I truly hope I can have some recourse.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

I have sent 2 letters to Experian to verify the information that is placed on my credit. I have sent letters out to those negative reporting companies and I have n't heard anything back. One dispute was received by Experian on XX/XX/2017 regarding inaccurate reporting inquiries and unverified negative accounts. I received a response by mail on XX/XX/2017. I keep receiving the response that it was verified but they fail to show me any proof that it was in fact verified by the person they had a conversation. I do n't think that time was taken to investigate the inquires I requested along with the negative reporting information. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My account was approved and opened in XXXX 2017, with a credit line of about {$1200.00}. However, without any prior notice, this account was closed in XXXX 2017. I had paid the account out before the payment was due on XXXX XXXX 2017.  The payment was {$43.00} leaving a XXXX ( XXXX ) balance. I received a letter in XXXX XXXX, 2017, stating " We want to inform you that we are closing your Kohl 's credit card account issued by Capital One, National Association. The reason ( s ) for our decision is as follows : " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I have no idea what this means. I had a Capital One account that I used wisely and on purchases such as medical bills, clothing, etc. Absolutely nothing that was inconsistent with anyone 's expectation. <P/>However, I have filed several complaints regarding Capital One and its ' faulty customer service. I agreed to close this account with Capital One after receiving compensations for errors made. <P/>This appears to be retaliation as my credit is excellent and all my purchases were purchases that anyone would make. The challenge was the poor customer service with Capital One. <P/>I have not received a statement from Kohl 's or the amount that I over paid on the account prior to the company closing the account without my knowledge or my permission.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (VA)

XXXX is a terrible company they gave me a debt of XXXX dollars for a phone I just got and I recently switched and now they 're trying to set a collection on me if I did n't pay I have the XXXX XXXX XXXX XXXX as my lawyer and if they think they can take me for a ride they ca n't I 've had numberous complaints about this company and how they poorly treat they 're customer told me I was a valued member. They harassed me and said if I do n't pay they would collect judgment all I had was a phone and tablet and they gave me a XXXX dollar fee because I was late paying them
Consumer complaint received 2024-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

On XX/XX/24 I reached out to Wakefield and associates to attempt to resolve a debt associated with there company. I was transferred to the department that was said to have my account. The agent then instructed me to send an email to XXXX with the screenshots of my credit report showing the balance in relation to Wakefield and associates.Upon confirming with my credit specialist the requested attachment and email was sent along with account information per credit report. I in turn reached back out to Wakefield and associates to once again attempt to resolve the debt owed, so that the account could be removed from my credit report. 
The agent I spoke with after sending the requested email stated that she still did not see an account for me or my husband.I asked if I could speak with a person that could help me in regards to the email I sent to get a resolution. To wher I was told that it was not possible and that they would respond to my email within a couple of days. I have yet to get a response.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

Experian did not send me validation of a debt they updated on my report in which I have no knowledge of. They told me to contact the creditor which is their job so they are trying to brush it off on me which is a violation of my rights. They seem to stall the process of my disputes. I am also not aware of any accounts with   XXXX   XXXX   XXXX   XXXX   and they are the only bureaus reporting this inaccurate information. They are reporting these as negative collection items on my report and are also reporting these as open. They also have different reporting fro m one year to  the next. This is clearly a major violation of the FCRA.     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX  and  XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am submitting a follow-up complaint to inform you of my unfortunate experience as a victim of identity theft. In accordance with FCRA Section 605b, Credit Reporting Agencies are required to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and inaccurate addresses that neither belong to me nor were opened with my consent : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

My father died in XXXX.Before he passed he was abused by his fake power of attorney and spouse.My entire family has teamed up against me and my father to steal his bussiness, retirement and estate accounts.Wells fargo opened a mortgage after his death and XXXX XXXX XXXX  XXXX allowed theft as well.Due to this i have been poor my entire life.Never had insurance or a place to live.They are aiding in my suffering to hopefully end my life before they are caught..
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I have had my Sears account since XXXX and have gotten my updated cards regularly and do all my payments online and opted out of paper statements years ago. My card expired in XX/XX/XXXX and have never received a new card. When I called they said they were reviewing the account and I should know in about a week. Told me my available balance and said I can shop just have ID and my social security number. However, for about a year or so prior every time I logged on I had to verify the spelling on the card which I never had to do in the past. Also prior to my card inquiry sudden ; y I could no longer log on to make payments or check the activity on this account. It would not take my credentials. Nothing had changed. Called technical and we tried and tried no luck. Wasted an hour. So I had to make the payment over the phone. Every month thereafter same scenario and still no way to get access. Finally last month a representative stated that the reason was that I needed the new card information to create a new logon and that she would send out a new one. I made the payment over the phone that day and she waived the late fee since it was due the day before and I could n't get access. I still did not receive the card and all these months have had no statements or know if the balances were correct and just paying them blindly. This month I contacted them again and spoke to a supervisor and explained the situation and again no help. There is too much fraudulent transactions with these banks and I need to get this resolved ASAP.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2018-03-22
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. (CA)

Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you onXX/XX/XXXXXX/XX/XXXX19 and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX onXX/XX/XXXX19 and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter
Consumer complaint received 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NJ)

My FHA original mortgage balance ( and based on my amortization schedule ) reached below the 78 % LTV over 5 months ago ( XX/XX/2017 ). Although I have met all requirements under HPA and FHA guidelines, my mortgage service company ( HomeBridge Financial Services ) has continued to collect PMI. In XX/XX/2017 I also received a letter stating the PMI would be cancelled due to the requirements being met. Having attempted to contact them on several coactions, beginning the end of XXXX, I was informed that it was my responsibility to inform them of this fact along with a requirement for me to email their PMI department at XXXX. I informed them of their lender responsibilities to automatically remove the PMI payment once the principle balance had reached 78 % of the original loan amount and demanded they cease billing of the PMI on future bills/payments along with a refund of the PMI payments paid plus interest on those funds. Since the initial telephone call and conversation, I have attempted to resolve this issue four more times without success. At this point I am having extreme difficulty gaining assistance and am continuing to be billed for the PMI payments. Any assistance would be greatly appreciated.
Consumer complaint received 2015-05-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

I own my home through Freedom Mortgage XXXX XXXX XXXX and have since 2007. I am experiencing a hardship with paying my mortgage, presently. I have reached out to Freedom to try and gain resolution to my problem to no avail. In XXXX, I reached out to Freedom to perhaps refinance at a lower interest rate and was handled so unprofessional and rudely, getting nowhere, but further behind. I have depleted ALL finances available and still have no help from Freedom. Freedom has no resolution steps for people who experience the unfortunate situation as me and I regret having them as my mortgage company. I have been a loyal customer since 2007 and feel there should be something in place for times like this.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I file for bankruptcy CHXXXX on XX/XX/XXXX and the discharge of Debtor and Final Decree was issued and dated XX/XX/XXXX. On my XXXX and XXXX Credit Reports all of my accounts included in my Bankruptcy show as paid and/or included in Bankruptcy but on my Equifax Credit Report all the accounts included in my Bankruptcy are being reported as Negative Status.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Balance transfer — 
Company: PENTAGON FEDERAL CREDIT UNION (MI)

I truly do not like filing this complaint against PenFed, overall they provide a great product and their representatives have always been respectful. However, their needs to be a policy change on how Balance transfers to Navy Federal Credit Union are handled. 
On XXXX/XXXX/2017 I took advantage of a promo to transfer balances at 0 % interest for 12 months. 
I transfered {$2700.00} to my Navy Federal credit Union account and provided all the correct information. However, the balance transfer was mailed to XXXX. Now XXXX separate reps. for Pended has informed me this is Penfed 's mistake and is will takes weeks or longer to receive the check back. 
My complaint : if Pended ; s recognizes this is their mistake, why are they not take responsibility. why is the {$2700.00} still on my account and deducted from my available credit. Why has n't PenFed simply stop payment? I am unable to reassure that balance transfer until the account is credited. 
Lastly, why are the balance being reported to the credit bureaus including the {$2700.00} balance transfer?
Consumer complaint received 2022-08-10
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Consumer complaint received 2018-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK (MO)

Discover bank charged me {$15.00} excessive withdrawal fees in XX/XX/XXXX {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. I never received their letters they mentioned in their previous  correspondences. If they sent letters, they were never delivered. I was never informed of this. As a bank, those fees need to be refunded as a courtesy. $ 200+ is a lot to me.