davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-08-09
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: Atlanticus Services Corporation (NY)

On XX/XX/2022, Fortiva put a remark on my account and the credit bureau dropped my credit score by XXXX points. I called and asked what the remark was for and to get it off my account and nothing was done, I was told to make a dispute with the credit agency. This also happened on XX/XX/2022 when they put a negative remark on my account for 1 late payment by less than 10 days and XXXX points dropped from my credit score. After I contacted them, not even half of those points went back onto my credit score.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (LA)

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. 
Tax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full
Consumer complaint received 2019-02-21
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: BARCLAYS BANK DELAWARE (CA)

Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a PO Box exists in XXXX Georgia under my name and it is not mine.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Consumer complaint received 2016-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (MI)

I got a new home phone number XX/XX/XXXX. Since then I have been receiving calls from Macy 's Credit Operations concerning a person named XXXX XXXX. I have told them each time that there is no XXXX XXXX at this phone number, but they continued calling. Finally, I decided to write down the date and phone number of each call. They are as follows : XXXX XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-05-26
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. (CO)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2024-01-24
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OR)

RE : Advantage Aviator Red World Elite Mastercard credit card account The transaction I am disputing is from the merchant XXXX XXXX XXXX XXXX for the dollar amount of {$1200.00}. from XXXX XXXX. I have reopened my case multiple times and Barclay 's ruled against me. 
XXXX XXXX I received a Free Fraud Alert Courtesy text from Barclay for this charge. 
A couple hours later I call Barclay and deny all charges from said merchant. One charge makes its way onto my next billing statement. I call the fraud/dispute department and they began an investigation. I have reopened my case multiple times and Barclay 's ruled against me. They still have never contacted the merchant. I have been a loyal customer for years almost always paying off the entirety of my bill and 99.9 % of the time on time. I refused to pay the bill and canceled the card. My credit score has dropped from XXXX to XXXX due to this unjust ruling. Bottom Line- they flagged the charge as fraud, I called them the same day and denied the charge saying it was fraud. They should have a recording of me denying the charges. Somehow they are still trying to hold me responsible.
Consumer complaint received 2022-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (VA)

My loans/payment during that was serviced by XXXX  XXXX transferred to Direct Loans then again to its final destination FedLoans. My payment history only goes back to XX/XX/XXXX! I finished undergrad XX/XX/XXXX. Started Grad XX/XX/XXXX I have always been qualified bc I worked for DOJ and XXXX XXXX to present date. However I have no history of payments from XXXX. I am unable to retrieve even XXXX transcript from that far due to XXXX own regulation, not my tax preparer has copies. Im also unable to find HR to even verify my DOJ employment with a signature. All I have is my XXXX of service that may not be acceptable to verify my employment. XX/XX/XXXX, sent request for XXXX request of payments, hoping it goes further than Dept education records which stops at My bank from that period is obsolete, bank has been closed or bought out ( XXXX XXXX ). I have no record of payments. 

Direct Loans is not even in business to retrieve payment history. I dont see how my payment history would not be transferred to FedLoans ( XX/XX/XXXX ) even after I was in XXXX in XXXX to receive accurate counts. I had put too much trust into system to keep tracking for me-my mistake. 

Its disadvantageous years of payment to not receive credit. I was not aware these payments were not counted due to a knowledgeable group of people helping others voluntarily to go thru this process -now that the Temporary Waiver XXXX rules have changed and we can receive retroactive payment counts prior to our enrollment. XXXX of old records I can not retrieve I have overturned as much as possible. Not sure I can get assistance finding this information. 

Also, I was put into a few deferment and forbearances XXXX being a time I was still working and going to school XXXXXXXX XXXX, making student loan payments. I did not request that deferment bc I was still able to make payments. ( XXXX ) I think my loans were with XXXX. 

Economic Hardship Forbearance I recall speaking with Fedloan rep asking of a lower payment due to being on XXXX XXXX XXXX, XX/XX/XXXX. However I now know, it was possible to be qualified for {$0.00} payments or lower than my monthly, I was told NO other payment option under their plans. I was placed on general forbearance. I could been in compliance with my XXXX payment track to XXXX.
Consumer complaint received 2021-06-22
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: EQUIFAX, INC. (AL)

I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report this and this was all done " Fraudulently.
Consumer complaint received 2022-02-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

Navient services 4 of my private student loans. 2 of these loans recently came out of my cosigner 's bankruptcy and I am unable to make these payments. The interest rates are incredibly high, and the total loan amount has tripled. I will never pay these off. I have called Navient many times to try and get some assistance but they have told me I am out of options. I do not have a cosigner available for refinancing, and I am needing some leniency from Navient to avoid default. They refuse to offer any further reprieve despite being very honest about my financial situation.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (MN)

We applied for a loan modification through Shellpoint Mortgage Servicing on XXXX/XXXX/15. We received a letter dated XXXX/XXXX/15 advising that they received the complete modification packet and it could take 30 days for a response. The letter also said that " your property would not be sent to foreclosure or if it had been started, we will not initiate a foreclosure sale. '' We received a letter dated XXXX/XXXX/15 from an attorney 's office stating we were in pre-foreclosure status. I called Shellpoint on XXXX/XXXX/15 at which time I was advised that we were denied for the modification and our only options were a repayment plan, short sale or foreclosure. We wanted to try a repayment plan however, he said there would be legal fees added in. I did n't think they should be because his letter said that it would n't be sent for foreclosure until a decision was made. He said I could send in an appeal letter disputing the legal fees being added to a repayment plan so I sent an appeal letter on XXXX/XXXX/15. I called on XXXX/XXXX/15 & XXXX/XXXX/15 and was advised it was still pending a decision in the escalation dept. We received a letter dated XXXX/XXXX/15 on XXXX/XXXX/15 from the escalation dept advising that our request for a modification would remain denied. I called on XXXX/XXXX/15 and stated that we were appealing the legal fees ; the customer service rep said he recognized that and was sending it back to the escalation dept for review. I called on XXXX/XXXX/15 checking status and to try to make a payment ; I was advised that it was still pending and that we were not " allowed '' to make a payment. I also confirmed again that foreclosure proceedings were on hold. We received a letter on XXXX/XXXX/15 from the attorney 's office advising that there is now a sheriff 's sale date for our property. I called Shellpoint on XXXX/XXXX/15 and he said the decision was still pending. He also said that the " sheriff 's sale was n't until XXXX/XXXX/15 so we should have a response from the escalation dept by then. '' I asked why there was n't a hold on it and he could n't say. I called the attorney 's office right after and she said there was no hold on our file.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (LA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX {$1500.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2016-03-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! Thank you XXXX XXXX.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (VA)

I purchased a used XXXX XXXX XXXX from XXXX, {$500.00} down, on XX/XX/XXXX with my grandfather as my cosigner. My account was then transferred to Bridgecrest ( account # XXXX ) from that day forth, which I was never informed of. I have a bi-weekly payment of {$220.00}. My credit report shows XXXX payments remaining. But when speaking with Bridgecrest on yesterday, they stated that I have XXXX payments remaining. By the time I pay the car off, I'll be paying almost 3 times of what the car was priced. I then asked what all has been paid thus far which is {$4300.00} towards the principle and {$10000.00} towards the interest. I feel that I'll never be able to pay this car off and that my grandfather and I are being legally robbed. I have been unemployed since XX/XX/XXXX. They won't alter the interest rate or even change the payment arrangement from twice a month to once a month. What can my grandfather and I do?
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MA)

Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First Credit Services Inc. (OK)

Have been called twice daily for a week after my wife and I both have told them not to call us in an attempt to collect. Last call at XXXX XXXX/XXXX/06. Started on caller ID as First Credit Services, now they are " unavailable '' on caller ID. number used are XXXX, XXXX
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I sent a request for information to Chase and they are refusing to answer all the items that I am entitle to. The Executive office from Chase is also refusing to send Correspondence to the appropriate person and address as indicated in my third party authorization. I do not want to miss important information.
Consumer complaint received 2020-08-18
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX XXXX {$34000.00} US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$8700.00} XXXX XXXX {$34000.00} DPT EDXXXX {$7700.00} DPT EDXXXX XXXX {$3200.00} US DEP ED XXXX {$12000.00} XXXX XXXX XXXX {$8700.00} US DP ED XXXX {$3200.00}
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I opened a Citibank Secured Card for {$600.00} credit limit secured by {$600.00} in XX/XX/2019. On XX/XX/XXXX, my bank declined to honor a payment on my account and Citibank added a {$25.00} return check fee. On XX/XX/XXXX, my bank did this again. Citibank closed my account on XX/XX/XXXX. I called them and they told me that they could not give me information as to why on the phone, and to wait for the letter that they were mailing me. They also said that once I received the letter, then I could ask for a new account to be opened. I waited several weeks and finally got the letter. I composed a letter explaining the situation with my bank and promising it would not happen again, and asking for a new account. I have tried calling their customer service center several times and can not get any information. They just talk in circles about the account is closed and that I need to pay the minimum payment on the account. I ask about my secured deposit and they just talk in circles that it takes them 21 days to review. At the time I was calling, it was XX/XX/XXXX ( today ), which has been OVER 21 days. When I point that out, they just repeat their script that it takes them 21 days to review .... I have already gotten a statement from them dated XX/XX/XXXX. which is after the " closed '' account. And the balance is {$590.00}. They have a security deposit in the amount of {$600.00}. So my thought is that they apply that to their bill and it IS closed. But they are holding my {$600.00}, closing the account, and still saying that I need to continue to pay the bill while there " 21 day review '' happens. But the 21 days has come and gone. I want either a new account opened secured by the {$600.00} and they can transfer over the {$590.00} balance and I can go back to paying and using my card as I was .... OR Apply the {$600.00} deposit to that final bill and we can be finished. 

Please help me as their customer service center is frustrating and just repeats the same script no matter what you say or ask. 

I am attaching the statement and the text from their website in regards to this secured card.
Consumer complaint received 2015-06-21
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express sends me emails and offer letters offering a XXXX XXXX credit card. They do this several times a year. I decided to apply. I have a credit score of XXXX XXXX depending on which agency is reporting. I made over XXXX a year, own a home, have rental properties and a solid job of 10 years. 
They denied me instantly and when I called to find out what happened XXXX the emailed me a rejection letter ) I was routed to a call center in XXXX. I could barely understand the people I spoke with and no one could tell my why I would be declined. I asked to speak to someone in the USA. But when I did they told me I had to deal with the XXXX Call center. When I told the supervisor they were not able give me any explanation. I was told that there was no one else to speak with. I asked to be put in touch with American Express HQ here in the USA and was refused. I can not believe " American '' Express has no one in the USA that can deal with this type of treatment.