davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above information.
Consumer complaint received 2018-10-08
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. (GA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-08
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Simply can not get XXXX to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

I was sick and missed my payment by one day. I called Citibank on XX/XX/18 and was told there would be no late fee or interest. Payment made in full on XX/XX/18. Payment was due on XX/XX/18. Today I learned Citibank charged me interest of {$19.00} and late fee of {$25.00} which posted on XX/XX/18. Today I asked Citibank to listen to the call as their rep told me no fees. They agreed to waive the interest fee not the late fee.i am requesting the {$25.00} fee as well as I was told no fees. Now they told me they will listen to the call I had w their rep on XX/XX/15-18 and I would have to call back. Been a customer for years and pay my bill each month in full. Sometimes we forget things. My son is a XXXX XXXX for six years and now u am sick. My time is valuable and I spent over one hour on the phone today and now I have to file a complaint. I feel Citibank is protecting their employee who gave incorrect info. Another rep today told me they have no recording but the second rep said he did listen to call and then said he has to listen to call. They appear to be sneaky and dishonest. This is not an ethical way to treat a customer.
Consumer complaint received 2018-10-08
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. (GA)

XXXX Credit Card Services conducted an unauthorized credit check when my wife added me to an existing account. I received my credit card today and discovered that my social security number and phone number is not associated with this account but there was a hit to my credit score on the day that I was added to the account. Under this scenario my credit score was reduced due to this unauthorized inquiry but I have no way to redeem my credit score since XXXX will not be reporting the on-time payments that I make on behalf of my wife ( primary card holder ). I am responsible for paying the family bills.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

A raiz del huracan maria comenzamos a tener inconvenientes con los pagos, Recibimos una llamada la cual nos ofrecen un programa de nombre Feddie MAC Disaster program, aceptamos los acuerdos, al tiempo estabamos consientes de los atrasos siempre nos mantuvimos haciendo pagos y en comunicacion con citimortgage, Me asignan una consultora de nombre Kristal Madero para ayudarnos con la cuenta asesoria de como poner nuestra cuenta cuenta al corrriente. En el transcurso del tiempo me asignan otra consultora de nombre Diana Orozco esta nos ofrece la posibilidad de hacer una modificacion la cual aceptamos, pero cuando llegan los documentos por correo y leimos bien de que consistia esta modificacion la declinamos era algo que iba en contra de todo lo que hemos pagado durante todos estos anos, Luego de eso la senora diana nos ofrece una extesion de pago donde de los 5 meses de atraso le pagariamos 3 y los 2 restantes irian al final del prestamo, ella me indica que me va a enviar los documentos por fax los recibi el dia 17 de Septiembre los firme y los devolvi por fax tengo prueba de confirmacion, mantengo comunicacion llame el 24 de septiempre 2018 para ver si recibieron los documentos y una persona del servicio al cliente me atendio de nombre Karina esta persona fue grosera e el telefono no podia darme ninguna explicacion de como iba mi caso y tambien me indica que no a recibido nada de mis documentos se los envie de nuevo esa tarde. Le pedi hablar con un supervisor y de manera sinica me dijo que la unica persona que me podia ayudar solo hablaba ingles, escuche como se reia en el telefono y me mantuvo en espera sobre una hora y munutos, Me indico que la senora Diana orozco no podia atenderme hasta Octubre 2 2018, Desde el 17 de septiembre hasta octubre 2 eran ya mas dias contando y ellos no me daban respuestas envie los 3 pagos como me indicaron. Hoy 8 de Octubre les digo como va mi situacion ellos me asignaron otro consultor lo cual me indica como cliente la falta de orientacion y ineptitud de esta compania, La persona que tiene mi caso se llama e;l Sr Matthew Seitz con numero de telefono 1-877-245-2511 ext 0475289 hoy 8 de octubre 2018 hable con el a las 12:30 y me indico que mi extension fue negada no tan solo eso ocurre en mi cuenta cuando hago pagos no los anaden a la cuenta pienso que algun tipo de fraude estan incuriendo tengo estados de cuenta que asi lo confirman necesito ayuda. Gracias
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On XX/XX/2018 I received a statement via mail stating that my account has been forwarded to our office for collections for {$790.00}, this notice came from XXXX XXXX XXXX. I Called XXXX right away and was told that amount owed on the statement is for property taxes, I asked XXXX XXXX for proof of this. Prior to this statement I was never notified of this bill there was no bill and no phone calls. On XX/XX/2018 I again called XXXX XXXX and was told that the bill was the license plate, I was given different information on XX/XX/XXXX and different information on XX/XX/XXXX. I  again asked for proof and an explanation for what this bill is for and why was I never informed the rep stated he will email me the information. To date I have not received any documentation. I no longer own this vehicle and have not owned this vehicle since XX/XX/2018. XXXX XXXX never contacted me thereafter, never sent me any communication until I received a collection notice on XX/XX/2018. I was unaware of this owing balance which XXXX claims I owe. I have a new vehicle and I think XXXX XXXX is trying to double bill me, this is why there is no proof and I have not been contacted prior to this notice.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service (GA)

Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the XXXX  report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my XXXX  credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my XXXX report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX   around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to XXXX. Since being removed from XXXX, the collection status information has re-posted to XXXX   three times during the first week of the past three months. XXXX  advised me to dispute with XXXX ( copy of email attached ). I have disputed with XXXX  previously with no success -- only XXXX can update my report. If my XXXX report continues to show unlawful information for my XXXX XXXX  account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (SC)

I only paid this is because I was under duress from my your company and I never exercise my right to validate this debt. My rights were violated by pressure I feel like you guys did not properly validate this debt I feel like I over paid you when I didnt owe you. Please DELETE this from my account. Only contact me through CFPB. Please attach Confirmation Deletion Request on your company letterhead showing this account has been deleted from my credit report.
Consumer complaint received 2019-06-23
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. (MO)

On XXXX report the orginal credit is not listed but is listed with Equifax this is a discrepancy and is in fact a violation of the FCRA guidelines and must be removed immediately from both credit bureaus. 
This public record of bankruptcy was removed and added back to my report the same exact day, which cause my score to decrease by 32 points. This is a discrepancy and inconsistent information and is in violation of FCRA guidelines therefore you must remove this from both my reports increasing my score. 
XXXX and Equifax showing XXXX XXXX for XXXX status ( open ) but for Equifax and XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from all 3 repYou are showing XXXX XXXX for XXXX status ( open ) but for XXXX as chargeoff/collection account why is this, this is a discrepancy and is violation of the FCRA guidelines and must be removed immediately from both reports/bureaus.orts/bureaus.
Consumer complaint received 2018-10-09
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. (KS)

XXXX, XXXX  and Equifax failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Consumer complaint received 2018-04-15
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2018-04-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX Spouse had a car accident XXXX XXXX XXXX which was totaled by XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX. USAA paid XXXX to XXXX XXXX XXXX XXXX, XXXX FL and did not honor the Total Loss Letter sent to the Customer. Instead USAA sent Customer a late notice for Auto Loan Payments on the XXXX XXXX XXXX which was totaled by USAA. I've contacted USAA several times regarding this matter because I informed the Repair Shop on XX/XX/XXXX to stop all Repairs due to the Total Loss Letter received by USAA dated XX/XX/XXXX and XX/XX/XXXX. USAA let the Repair Shop continue with Repairs even after the Customer told them that he would not accept the Vehicle due to the fact the Vehicle is only worth $ XXXX and Repairs totaled $ XXXX resulting in 95 % repaired. This is XXXX XXXX XXXX XXXX XXXX TX that has decided to send late notices and collection notices regarding an Auto Loan for a Vehicle that was Totaled by USAA on XX/XX/XXXX. USAA stated to the Florida Insurance Commission that the XXXX XXXX XXXX XXXX XXXX would not give up the Vehicle. Note : This was not the Customers Shop of Choice and  USAA decided to repair Vehicle at the Shop and not the Customer. USAA is sending negative reports to the Credit Agencies regarding Customer not paying for a Loan on a Totaled Vehicle. On XX/XX/XXXX. XXXX the Bank Officer and Insurance Adjuster informed the Customer that the Auto Loan would be paid off due to Vehicle being totaled. This never happened and USAA kept of sending funds for Repairs even though they asked the Customer to send back Title and Keys to Vehicle. This entire matter is still going on with the Shop stating as of XX/XX/XXXX that a Final Payment is still owed even though the Vehicle was totaled on XX/XX/XXXX. USAA should correct any information they've sent to Credit Agencies because per their letters they were supposed to recover Vehicle and pay out the New Car Replacement Policy and the GAP coverage which was on the Bank Loan! I've sent complaints regarding both XXXX XXXX and XXXX XXXX XXXX XXXX with the Florida Insurance Commission and Department of Agriculture. Note : I was in NY attending my Little Brothers Funeral when the accident happened on XX/XX/XXXX and did not return to Florida until XX/XX/XXXX. I signed the Repair order XX/XX/XXXX which was immediately revoked by letter from USAA on XX/XX/XXXX stating the Vehicle was a total loss. Now I've lost use of Vehicle for 5 months, new car replacement coverage and GAP coverage. Also getting late and overdue notices on my Credit Reports which should not be happening because the Vehicle was totaled and the Loan was supposed to pay off by USAA.
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I did a balance transfer to my chase card at 0 % interest, and there is also a 25 % interest on purchases.

I proceeded to make a {$10.00} purchase and then make a {$68.00} payment on my card. I all of a sudden had {$0.00} in interest. I called up and they informed me all purchases will accrue interest until the 0 % balance transfer is paid off. So there's no way to pay off purchases until the full 0 % interest balance transfer is paid off.

Nowhere did they state that this would be the case and is unethical.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (CA)

I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.
Consumer complaint received 2018-10-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ark-La-Tex Financial Services, LLC (TX)

I talked with a loan rep about doing a lot construction and permanent loan. He assured me with my VA status it would be no problem. Also I would not need to put anything down or 10 % of the construction cost. I moved forward with the application and discovered they was not able to do such a loan and what he claimed was not possible. I requested to speak with management about what happen and she attenpted to cover up the actions of the loan rep. I was mislead in an attempt to obtain my credit file. It was deceptive trade practice and false information about loan product.
Consumer complaint received 2018-10-09
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AZ)

There are two accounts with this bank that are included in a chapter XXXX bankruptcy that has been XXXX. The bankruptcy was under my wife 's name and I was awarded a community discharge as a result. The bank did not show up to the meeting of creditors nor did they respond to the notice with any issues they had. Now that this has been XXXX they are refusing to remove this from my credit report or update the status in any way. They told me on the phone that because of the bankruptcy they would not be able to try and collect the amount due but I was still liable for the account. How can this be? They are not able to take payment for the account but it stays on my credit report forever and there is no way for me to move past it? Per what I was told by my lawyer and also the trustee overseeing the bankruptcy this account should be removed from my credit as of XX/XX/2018. I am submitting this complaint as a last attempt to resolve this matter, my next move will be to re hire my lawyer and move towards more aggressive legal actions. I am asking that both accounts be removed from my credit report immediately.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CT)

They are calling my relatives ( sister ) asking for my information. They keep calling various times throughout the day and calling outside of business hours. They need to stop NOW. They need to only be contacting me via mail and NO ONE ELSE. I will only accept their communications via US MAIL.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I receive a letter from XXXX concerning a debt that is not mine from XX/XX/1999. I called and told them this debt was not mine and it needed to be taken care of immediately to ensure I did not receive any further correspondence. The woman I spoke to said needed to dispute the charges. This is the 3rd time I have had to deal with this company ON debts and I am really tired of getting collection letters from them. I ended up having to pay for 2 accounts that had already been paid the last time. I do not intend on paying for something that is not mine and especially for the year XX/XX/1999 nearly 20 years ago. This is ridiculous. They need to be investigated and stopped from harassing people for things they do NOT OWE.