davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-31
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. (ND)

XXXX ; Experian and XXXX should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Consumer complaint received 2020-07-31
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: Navient Solutions, LLC. (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Consumer complaint received 2020-07-31
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: HEARTLAND PAYMENT SYSTEMS INC (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Consumer complaint received 2020-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Mortgage Services has been harassing me. They would call me out of ordinary times or just more than allowed by law in order to bring my account up to date. A good example of this would be this morning. They called me at XXXX XXXX. This is illegal to do so under The FAIR DEBT and COLLECTION Practices ACT 15 U.S.C. Subsection 11692-1692p. Other times, they call me about 6-8 times a day. If they continue to harass me, I will be forced to hire a law firm to sue them for these illegal actions that they are taking.
Consumer complaint received 2020-07-31
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX, XXXX XXXX XXXX,. XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC (AZ)

Hello, Back in XXXX, I went to get a XXXX done on my teeth by XXXX XXXX XXXX. I was double covered with insurances at the time. XXXX   XXXX XXXX charged OVER the legal agreement with XXXX of XXXX ( XXXX ). They also charged for teeth j never received work on. They billed me for over {$6000.00} and said the insurance covered a little over {$3000.00}. After speaking to XXXX, they were never allowed to charge that much, nor would my out of pocket be that high, especially being double covered. Please check XXXX XXXX XXXX XXXX Utah reviews. They are continuously doing this! 

A year later ( XXXX ), they gave my debt to XXXX XXXX, who have been horrible. My balance started at {$2100.00} and is now {$5700.00}. I have let them know, that this is fraud and Im taking XXXX XXXX XXXX to court. I have asked MULTIPLE times for documents, which they refuse to provide. Please, also check XXXX XXXX XXXX XXXX UT reviews.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

This email was sent on XX/XX/XXXX to XXXX XXXX XXXX, CEO Consumer Banking XXXX XXXX XXXX, XXXX XXXX N.Y XXXX, XXXX I think it provides all the details of my complaint. 

I am writing to you about my problems trying to refinance my current home mortgage ( also with Chase ). You should know that I am a private client and have been with Chase for a number of years and have a respectable credit score. My application for the refi started in XXXX of 2020, and now almost six months later, it looks like it will be declined. During this process things seemed to change every week and additional information was constantly being asked for and I did send what was requested. In XXXX, the final straw was that my condo building did not have 100 % replacement for flood insurance ; my condo then increased the flood insurance to 80 % and not 100 % because doing 100 % would be at a prohibitive cost. I was then told that I could get flood insurance for my unit at 100 % by paying for it myself. 

My insurance agent thought it was ridiculous to get flood insurance for a unit on the 7th floor, even given the fact that the condo is located on Ocean side in XXXX, Fl. Additionally I was told that FEMA is not accepting applications for flood insurance at this time. 

I am now told by XXXX, XXXX ( XXXX, XXXX ) XXXX, that without the gap flood insurance coverage this loan will not be able to get approved. With my original mortgage there were some complications but I worked with one person and it was sorted out. I thought the refi. would be easy given my long history with Chase. It has not and I have had to be in touch with a number of Chase employees in addition to XXXX, including, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Lastly I should mention I was informed that I would go to Closing on XX/XX/2020 and then that was canceled and never rescheduled. 

In addition to XXXX telling me my application will be denied she also said it would be a few weeks for me to get my {$500.00} deposit refunded. Both are surprises to me and not what I would expect to happen to a Chase Private Client. 

I was hoping you could explain to me why all of this is happening to me and perhaps help to have my refi approved. 

Thanks for your help.
Consumer complaint received 2020-07-31
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. (NC)

XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.
Consumer complaint received 2020-07-31
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. (AR)

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. DEPTEDXXXX   XXXX {$3800.00} XXXX XXXX {$3800.00} XXXX XXXX {$8500.00} XXXX XXXX {$350.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$100.00} XXXX  XXXX {$140.00} XXXX XXXX {$340.00} XXXX  XXXX {$14000.00} XXXX  XXXX {$32000.00} CHAPTER XXXX BANKRUPTCY DISCHARGVED XXXX {$0.00}
Consumer complaint received 2020-07-31
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)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown  accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IL)

Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

My minimum payment was XXXX according to their statement. I paid {$200.00} on the 4th and then because of Synchrony 's continued harassment I decided to pay them off and get this debt off my back. After I paid off they proceeded to charge me random interest for a balance that wasn't even due and after the balance was paid off. I spoke to two employees who were hostile and abusive when questioned about these charges. They claimed I was late paying and I was NOT. Then they claimed I owed them for the entire balance even though the billing cycle hadn't even started yet for next month.They would NOT let me talk, they spoke over me, repeating lies like mindless drones. I will not be bullied and I will not be harassed into paying something NOT owed to this company. I will not pay not XXXX XXXX XXXX
Consumer complaint received 2020-07-31
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$870.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

I borrowed {$250.00} in XX/XX/XXXX. It is now XXXX. I called to close the account today after I noticed through bank statements that {$60.00} has been coming out of my account since that time. 
I called today to close that account and was informed that I still owed {$33.00} dollars on a {$250.00} loan taken back in XX/XX/XXXX. To close the account by XX/XX/XXXX I would have to pay {$93.00} ....
Consumer complaint received 2020-07-31
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-07-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$140.00} XXXX  XXXX {$2100.00} XXXX  XXXX {$190.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00} DPT ED XXXX XXXX {$1700.00} DPT ED XXXX XXXX {$3000.00}
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/2020 The VA employment security commission deposited my unemployment deposit into my old checking account however I lost my old debit card with this account and I requested that Cash app send me a new debit card or resend the funds back to the VA employment security commission however they refuse to do either This is a nightmare. 

I have contacted Cash app in regards to my {$7100.00} deposit and they refuse to release my money to me. They refuse to mail me a debit card even after verifying my account. I have also filed a complaint against Cash App Corporation with The United States Treasury Department. I have been trying to get cash app to send or release my funds back to VA ESC .but they refuse to do either. I need your help to get my money. 

Cash app location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Here is your requested information
Consumer complaint received 2020-07-31
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. (GA)

Equifax and XXXX  are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (FL)

XXXX XXXX XXXX XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00}, {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} XX/XX/XXXX {$100.00}, {$100.00}, {$27.00}, {$9.00}, {$90.00} {$51.00}, {$82.00}, {$42.00}, {$82.00}, {$140.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL FEDLOAN SERVICING XXXX {$570.00} XXXX {$4100.00} XXXX {$1500.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$9500.00} XXXX {$1200.00} FILED A DISPUTE OF FALSE INFORMATION BEING REPORTED AS TO PAYMENT HISTORY AND LATE PAYS NEVER BEEN LATE WITH PAYMENTS ACCOUNT REMAINS IN DEFERRMENT WHEN NOT WORKING OR WHEN IN SCHOOL SAME ISSUE WITH BOTH LOAN COMPANIES THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2020-07-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patenaude & Felix A Professional Corporation (MO)

XXXX  XXXX  keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, National Collegiate Student Loan Trust XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. XXXX XXXX, XXXX can not sue you on this debt and XXXX XXXX, XXXX can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not stupid enough to start the clock all over again by sending them any money.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PR)

FOR THE STATEMENT OF XXXX ( XXXX TO XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS THAT A LETTER WAS SENT TO ME IN ANY WAY.THIS CITIBANK COMPANY HAS AFFECTED MY CREDIT IN UNUSUAL WAY. PAID MORE THAN THE MINIMUM REQUIRED AND NEVER HAD A PAYMENT IN ARREAR. THIS AFFECTED MY SCORE FROM XXXX TO XXXX AND THEREFORE MY CREDIT IS AFFECTED AND IT HAS DAMAGED ME, DAMAGE TO BUY A VEHICLE.THIS DECISION IS ALSO MADE BECAUSE I HAVE MORE CREDIT CARDS WITH CITIBANK AND THEY NEVER DID THE SAME WITH MY CREDIT CARD. CREDIT WITH THIS BANK HAVE EXCEED 50 % THE LIMIT. 

I WILL OPEN ANOTHER CASE WITH ANOTHER ACCOUNT FROM THIS SAME BANK. I ALREADY CONSIDER DISCRIMINATORY.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC. (MN)

ECMC is reporting the DATE OPENED of 4 loans as XX/XX/XXXX ( see XXXX and XXXX information attached ). The DATE OPENED however are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( see attached information from StudentAid.Gov ).

ECMC is reporting the loans to the credit bureaus, however the last activity/payment is over 7 years old and negative information should cease being reported per the FCRA. ECMC is in violation of the FCRA. This has resulted in an XXXX pt drop in my credit score and is harming me financially while I am submitting applications for a new home.

I contacted ECMC by phone on XX/XX/XXXX to request that they correct the information and send an account history. They stated the information would be emailed within 10 days. They however did not furnish the information requested nor cease reporting to the credit bureaus. 

I submitted disputes with XXXX ( twice - see attached ) and XXXX " verified as accurate '', however this is not possible as again, these loans were opened over 10 years prior. I submitted a dispute with XXXX ( see attached ) however XXXX has not completed their dispute.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (GA)

I submitted all proper documentation in reference to my Identity Theft claim on XX/XX/2020 ... and nothing has been done per FCRA section 605B in regards to identity theft. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.