davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

There is a mortgage and other credit information that is not mine on my credit report. There is a woman that has been using my credit fraudulently for over 17 years. She has several collections that show on my credit report. I would like them removed. She has a couple different names showing.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Contacted Experian to see what was needed to remove XXXX errors off of my Credit Report. Was told it would all be removed and to wait 30 days and check report again. Waited 30 days and items were still on credit report. The attachment is what I pulled off the county clerk site clearly indicating my parents are the correct party. Not myself. My name is XXXX XXXX XXXX, I am not married. XXXX XXXX and XXXX XXXX XXXX are my parents and who have the liens and judgements
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian is listing an account that is past the 7 year reporting period. 
This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

On XXXX/XXXX/16 tried to get Experian and XXXX credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports. I filed a complaint on XXXX/XXXX/16 but did n't realize I had to file XXXX separate complaints, XXXX for XXXX and XXXX for Experion.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX Chase bank allowed a debit of XXXX to internal revenue services in which a payment arrangement was going to be for XXXX XXXX and not XX/XX/2019. 
US Senator XXXX XXXX sent me a letter that l am going to share with Chase bank Rep on XXXX XXXX as a affordable payment should be implemented. 
Also, my Dad passed away recently and financially put a strain on me with funeral costs.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Experian provides you with a pin number that does not work they claim that they can't verify your identity I have spent 4 hours on the phone calliing different numbers no option to unfreeze my account no representative ever comes on the phone, only way is true the mail, they make it impossible to be convenient. But what a coincidence that they have a service that locks and unlocks your credit for a fee what a scam.
Consumer complaint received 2019-08-14
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. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXXAlso Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXXXXXX  dated XX/XX/XXXX.
Consumer complaint received 2016-11-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NJ)

multiply homeowner specialist on my file. XXXX different specialist over the past 4 months causes document to get misplaced. Citimortgage is also requesting third party information and income verification for third party persons not on the loan with 24hour requirement to submit documents. File sitting in limbo without a specialist being assigned to the file ; causes inaction and time lapse for mortgage owner to have a fair review. Receive request for documents after deadline has passed. Homeowner specialist not communicating file needs with Homeowner after Homeowner request for manager to email specialist and ask him to forward detailed list of required documents to Homeowner. Homeowner support specialist XXXX XXXX XXXX refusing to discuss file with Homeowner on scheduled phone appointment. Stating " you will lose your home on Tuesday, be prepared for it. There is nothing I can do. There is no point discussing a closed file. You are losing your house on Tuesday XXXX. There is no point telling you what documents you need. I should have contact him sooner ''., I called to check the status of the file and being told the account has no assigned specialist. I inquired of the procedure to request a specialist on my account on XXXX/XXXX/16 and I was given the name of XXXX and updated my contact info on the file for XXXX XXXX to contact me. I called back the homeowner specialists team and was told no documents were needed because the file was under review with the underwriter XXXX/XXXX/16. XXXX XXXX stated on XXXX XXXX the file will be passed on to a new specialist the file was never passed on or assigned to a new person. I received the attached letter from citi on the evening of XXXX/XXXX/16. All were contradictory to the status of the file. I call back citi on XXXX/XXXX/16 after receiving the letters, requesting clarification on the status of the account. I spoke to Manager XXXX at CitiMortgage # XXXX on XXXX/XXXX/16 after stressing the importance of speaking to XXXX XXXX about this time sensitive issue ' because his letters were unclear and the items which he seem to request were already due on XXXX/XXXX/16 and the his letter was received on XXXX/XXXX/16. Requested a manager because XXXX XXXX was not available for telephone calls with me. XXXX said to get the new application and paperwork in and request XXXX XXXX to escalate the file to request more time. After my conversation with XXXX XXXX on XXXX/XXXX/16 I requested to speak with his manager. XXXX XXXX states he sent a request to his manager XXXX XXXX to contact me at XXXX number on file before XXXX XXXX or XXXX XXXX. No call was received from XXXX XXXX. I attempted to call XXXX XXXX twice. Upon calling at XXXX XXXX was noted as being away from his desk for 10 minutes. I was told to schedule and appointment or call back, call was disconnected in transfer to scheduling dept. I later called back on hold waiting to speak with XXXX for over XXXX hour. I finally hang up the line. 
Homeowner should also be given the option for a short sale.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (TN)

Complaint against Experian. On XXXX XXXX, 2016, I ordered a one-time report for {$4.00}, which was charged to my credit card. I recently became aware that they have been charging me {$19.00} ( recently increased to {$24.00} ) monthly. I did not request, approve or authorize these charges. I feel this company is illegally charging customers for this monthly service after they have the customer 's credit card information. I received no benefit from this service and did n't even know I had it. I only became aware after going line-by-line reviewing credit card statements. I called Experian and cancelled ; therefore, it is not cancelled. I am ; however, left with the feeling I have been robbed. And I have been robbed. I am certain I did not check any boxes or do anything to make them think I wanted or approved this service. That same day in exactly the same manner, I ordered a one-time report from XXXX. XXXX only charged me once for the XXXX report.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (GA)

Hello! I received a promotion balance transfer check from Chase bank, which provides a XXXX APR period for 12 billing cycles and includes a 5 % fee. I put a balance of {$10000.00} on this check and immediately put an automatic payment schedule on my account for {$1000.00} a month for 10 months. Note, that the minimum payment for this balance for these months was maybe {$40.00} to {$60.00}. 

The problem begins in that this card is an Amazon Prime Visa Card, so I frequently use it for other purchases on Amazon. Most promotional periods enable all sums after the minimum payment to go to your highest interest balance, which in this case was the regular purchases made. None the less to avoid confusion I specifically called Chase to confirm this fact, the very first rep I spoke to said exactly as much. He said that as long as my balance over the minimum meets my purchases they will not incur interest. 

Next month, surprise! An interest charge! Was maybe just a few bucks that month so I called them just to clarify the terms, this time I got a different story. After using the promotional balance transfer offer, purchases made outside of that no longer receive a so called " interest-free '' period, meaning they start to accrue a daily interest balance as soon as the purchase posts, unless you pay off the entire balance in full. So their suggestion was, " don't use the card for anything while the promotion is going ''. 

However, they did inform me that if I made a payment as soon as those purchases post, that would cover the balance, it would not accrue the daily interest. So I did that and ... still an interest charge! 

I called again to get another explanation and I requested further escalation this time. Now I received yet another variation, that the interest is calculated at the end of the month based on the average *purchase* balance throughout the month, which again would suggest that if I paid enough to cover my purchase balances as soon as I make them, I should not pay interest. Or at least if I'm off by a day it should be a pretty small purchase charge.

The APR is variable but has averaged around XXXX APR, calculated at a daily rate. That means that a month should accrue roughly 1.5 % ( 18.74 % / 12 ), on a balance of {$500.00} that's {$7.00}, which is about what I pay. However... I regularly pay off the purchase balance after it posts, if I miss my post date by a few days, that should still only incur maybe .1 % or .15 %, more like XXXX cents to a dollar. 

So the result is, either Chase has been lying about how they actually calculate the interest rate or their system simply doesn't register mid-month payments as contributing to the purchase balance and they continue to accrue daily interest as though you didn't pay them. 

As an aside, Chase XXXX APR promotional payment plans work EXACTLY how you would expect them to and have no affect on purchases outside of the plan.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (GA)

I recently reviewed my Equifax report and noticed that I have been a victim of identify theft and found several credit inquiries that I have knowledge of. The credit inquiries are as follows : 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 Please remove these inquiries from my Equifax report. I have also attached the identify theft report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau XXXX XXXX they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.
Consumer complaint received 2019-08-15
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. (UT)

XXXX XXXX XXXX XXXX underneath the agency XXXX. XXXX is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to Experian.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MO)

I called Citi to understand how merchant reversals work. I was told once the reversal is credited to my account, I can get a refund check or direct deposit to my bank account. One time when I called to check to see if the reversal happened, it was suggested by a representative to sign up online to see when the reversal hits so I do n't have to keep calling in. This call happened XXXX/XXXX/XXXX. I sign up online, I see the reversal. I immediately call Citi to get my check. I 'm told by XXXX that I ca n't get the full reversal amount only the difference between my balance and the reversal. I ask for a manager because at no time before did any representative say I have to pay my balance before getting my check. Now, my bill is due on XXXX/XXXX/XXXX. I made an online payment on XXXX/XXXX/XXXX so I do not have an outstanding bill. Why does Citi make the decision to pay off my balance when I 'm not in default or behind, late or in collections for over 9 years. I explained to the first representative before I told the merchant to do a reversal that I owe people money and that I needed to know how to get the money off the credit card. Again, not one time did the first or any other representative I spoke with tell me that Citi will take a portion of the reversal. Otherwise, I would have tried to get a check from the merchant. I was misinformed multiple times. I talked to the social media representative and she promised me I would get my whole amount and when the check came it was for {$2000.00}, not {$2300.00}. Upon receiving my short refund check on XXXX/XXXX/XXXX, I called to close my account because Citi has made me go into my account to refund these people. I 'm told I can use my thank you points within 60 days. I go to the website and my account has already been deactivated. I have a screenshot if needed. Citi again misinformed me. As a Citi preferred customer for over 9 years, I should get better service than this. Does mean if my bill was {$5000.00} and I got a the reversal they would have kept all of it even though a current payment has been made? The representatives I spoke with are, XXXX Account manager, XXXX, Social media rep, XXXX, XXXX. I spoke with XXXX, XXXX and XXXX all on XXXX/XXXX/XXXX.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

I had a Citicards account which I closed in XX/XX/XXXX, with a balance of {$10000.00}. Citicards has continued to add as much as $ XXXX monthly interest to this amount so that now the bill is {$19000.00}. I have called them to try to negotiate this amount but I can not get anyone to call me back as they have a dysfunctional customer service dept. They charged this off in XX/XX/XXXX without a contract, or sending statements required by The Truth and Lending Act. There is one month where they charged {$700.00} interest arbitrarily. I have disputed this on my credit reports but they will not remove this item as I believe Citicards is so difficult to work with. My credit card limit ws {$13000.00} so their interest exceeds the credit limit having a further impact financially.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

i disputed XXXX accounts with experian and they ended up sending them back verified, so under my right under the fcra i had sent in a letter certifed mailed wanting a summary of how the got the information to actually verify the account, under the fcra law they are required to provide the consumer with a description of how the investigation was conducted and what resources they used to verify the accounts, the fcra code is ( FCRA Section 611 ( a ) ( 7 ). ) it states that they have to provide this information no later than 15 days after they receive my request, and they clearly did not all they sent me back was there letter saying they will not investigate these accounts again so as of now i am 100 % positive that they are in violation of FCRA Section 611 ( a ) ( 7 ).
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R J Baucum Enterprises, Inc. (TX)

I do not know where these XXXX accounts came from but they have a recording call my husband and myself about 4 times a day each. There are XXXX accounts apparently with this company. XXXX was for {$73.00} in XXXX XXXX, 2011 and XXXX is for {$120.00} showing the date as XXXX XXXX, 2011. They call everyday of the week including Sundays.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (FL)

I was contacted by Debt Recovery Solutions for a medical bill that was n't mine. I received multiple letters and I 've contacted them multiple times to get this to stop. They told me that I went to the doctor with NO insurance and got treated. That 's a. Lie in itself completely. I 've always had XXXX, XXXX, and XXXX. They would send me any verification that the medical office that they are claiming I went to was paid. I 've checked my insurance records and no where in that time fram was my insurance number ran matching the clinic. I called them informing them of that information.. I was told that they could n't do anything about it. I tried to dispute it at that time and they rejected it saying that it was verified by the clinic but not by my insurance company so it makes it legally to report it. Please help me get this off.
Consumer complaint received 2015-09-29
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CNG FINANCIAL CORPORATION (FL)

A person named ( XXXX XXXX ) has repeatedly called me to collect an old payday loan that I had tried to pay off. When I realized I could n't pay the loan i made arrangements with Check N Go to pay so much a month over a year ago. After a few months I forgot to pay and did n't hear from them until recently. 

When I told XXXX XXXX that I was on Social Security and VA XXXX and am unable to repay the loan we made an agreement that I could pay {$25.00} a month begging XXXX 2015. I told him I would pay when my check came in. 3 days before my direct deposit came in he ran the check through my account over drawing it and costing me {$140.00} in over draft fees. When I contacted XXXX XXXX and complained he acted like he did n't care and told me he would repeatedly run the check through. I made arrangements again to pay on the XX/XX/XXXX and again he ran the check through the account causing overdrafts 3 days before the XX/XX/XXXX. 

Since that time I closed that account and now I am getting threatening and harassing phone calls. After several attempts to inform XXXX XXXX that I was not able to pay he started calling my family. First he called my XXXX year old dad, then my son, and today my wife at her work
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

By law the Credit Reporting Agency is required to investigate and validate all accounts reported on a credit report ... .they should be able to supply to person 's name who entered the information ... .the actual contract or physical proof that is in their files to support the information being reported, yet, they refuse to investigate and verify properly.