davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, 2017, I spoke to XXXX, XXXX  rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.
Consumer complaint received 2017-09-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.
Consumer complaint received 2017-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (GA)

On XXXX XXXX I brought a XXXX XXXX I was told I was eligible to receive a managers special because I am a 100 % XXXX vet that I would only have to pay 1052 monthly payment on a XXXX car. My finance company is XXXX financial. I paid my loan every month on time and realized 9 months into paying my loan that the balance did not drop but increased! I called and they told me that my interest rate was 23 % a day which basically means that if I pay my bill on the XXXX instead of the XXXX that none of my payments going on my loan but all is going on interest. That means I will never pay for my car and my balance is growing and not decreasing. I feel that I have been taken advantage of and not only am I XXXX but I fought for my country only to let dishonest companies take my only income that I have to got to waste and I could end up owning on this truck for the rest of my life. Companies should not be allowed to do anyone this way I have XXXX children and a wife to support and have paid XXXX dollars on a vehicle which balance has gone up instead of going down. I ca n't afford to just give away money I have had XXXX open back surgeries and ca n't work because of it and I demand to be treated fair. I did not fight for my country just to let dishonest companies take all they can and I will be out of thousands to the point that I cant ever own my vehicle. The statements do n't show where my money is going just a higher balance than I originally signed for
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jonathan C. Frank & Associates, LLC (CA)

Yesterday I was called by the phone number XXXX XXXX XXXX stating that I needed to update my debit card information. As this was not the company I originally set up a payment plan with I started asking questions to which I got very little response. I was hung up on twice, and a XXXX XXXX started yelling when I asked for an email to contact them so I could have a paper trail saying that he did not have an email. He said that he was calling from a law office of Jonathon C Frank,  which the phone number online is XXXX and they do have an email. So I 'm not sure if this is even a real company. I had my boss talk to them as I was extremely confused and she also got very little information. I called the law office number from the website I found and left them a message letting them know to call me back so someone can confirm.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I typically pay this store credit card off each month ( Home Depot ). This last month I've had a cash flow issue with my business. I paid what I thought was the minimum but it was {$26.00} short. My balance is only a few XXXX dollars and I am fully aware I need to make another payment and intend on paying as soon as I am able to collect from my clients. Citibank has been calling my business line at least twice a day for over a week straight. This is excessive, unacceptable, disruptive and aggressive. NONE of my other accounts harass this aggressively over a minimum balance due, especially one so small. I do not have a history of evading payments or anything else that world warrant blowing up my phone with calls and voice mail messages.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/XXXX - order placed on www.target.com for {$550.00} worth of XXXX XXXX XXXX. Total paid was  {$520.00} with red-card discount. 
XX/XX/XXXX - Contacted CS chat as cards never arrived. Was assured they shipped even though the label from XXXX XXXX denied it at the time. 
XX/XX/XXXX - Contacted their CS chat again, due to non delivery. Was told I needed to call. 
XX/XX/XXXX - Called XXXX CS - spent one hour on the phone straightening out the mess. Was told I waited long enough, consider the old order cancelled. Was recharged {$610.00} for the cards with expedited shipping. Received an immediate {$90.00} refund for the shipping. Was told to expect the {$520.00} refund within 7-10 business days. 
XX/XX/XXXX - reached out to CS chat again, as there has been no refund. Was told to call again. Sent a XXXX message as I could not call. XXXX response states they never cancelled, it was shipped and delivered, and pretty much OUR fault that they lied and did n't credit us immediately, and WE need to file a report. 

So I did. Here. 

This is most unacceptable. I would appreciate help in receiving a refund, as I have now paid {$1000.00} for {$550.00} in gift cards. I have also filed a report with the BBB.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

Re : Equifax data breach. 
Issue : I am trying to place a freeze on the account with Equifax, but is impossible to do so either by phone, or web site. 
I have tried to contact them in may ways, but no one seems to be available. Mail is also un-responded. 

Thank you. 
XXXX XXXX
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I am disputing a claim that was processed and paid on XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX XXXX, GA. I have concerns with inflated cost of service and fraudulent activities. I had a XXXX procedure done on XXXX XXXX, XXXX at XXXX XXXX XXXX. When I sat down to register for the test with a hospital employee, I was informed that if I can pay for the XXXX in cash it would only cost me {$500.00}, if not, they will submit the fee to my insurance company for payment. I advised the registration clerk that I did not have {$500.00} cash and to please submit the fee to my insurance carrier, which is XXXX XXXX XXXX. I also advised that I had a HRA ( health reimbursement account ) with a balance that will cover the {$500.00} cost of the XXXX. I then signed off on a form that stated I am waiving the option to pay with cash and require the hospital to bill XXXX XXXX XXXX ( HRA account ). XXXX XXXX XXXX filed a claim with XXXX XXXX XXXX for {$4200.00}, which is an inflated amount from the initial {$500.00} ( cash ) I was quoted during registration. The claim was processed and paid by XXXX XXXX XXXX on XXXX XXXX, XXXX for {$530.00}, leaving a high balance of {$2000.00} that the hospital is stating I owe them. I have had several XXXX in my lifetime and never been billed over $ 2K for the procedure. I would like this matter reviewed and investigated because at the time of the XXXX in XXXX, XXXX XXXX XXXX was a brand new facility and I am not sure if they were trying to get customers to pay for their equipment by inflating cost of service. I believe they purposely submitted the claim to XXXX with an inflated price of {$4200.00}, which I feel is a fraudulent request because the fee was initially {$500.00} if I paid by cash. What is really the difference between paying in cash OR paying with my HRA account? It should still cost {$500.00} either way. Why did the cost of the XXXX go up by 7 times? Anyway, I should not have to pay the hospital an additional {$2000.00} for a XXXX that they told me cost {$500.00}. They did receive a payment of {$530.00} ( additional {$33.00} ) from my insurance carrier ( XXXX ), covered by my HRA. This means that they were paid in full and I should not have an outstanding balance. They inflated the cost of the XXXX so they can gauge additional funds from XXXX and from myself, which is fraud.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Ive been unable to receive my free annual credit report from Transunion and XXXX for the past two days ( XX/XX/XXXX-XX/XX/XXXX). When ordering online through XXXX or the company Web sites, each attempt returns an error message stating technical difficulties ( Transunion ) or the site can not be reached ( XXXX ). Also, neither company seems to provide a contact phone number for customer service or technical support on its Web site. The inability of customers like me to receive our credit reports, as allowed by law, in a timely way, combined with the lack of timely customer service on the part of these companies, is unacceptable. It is especially so, given the recent XXXX data breach and the subsequent need for consumers to act now to protect their identities, including by reviewing their credit reports.
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

1. XXXX XXXX, XXXX we received a trial modification from this servicers attorney @ XXXX XXXX in XXXX XXXX, FL attached are 3 pages. We made the 3 trial payments on which the principal balance was {$400000.00} however the escrow was miscalculated using force placed insurance amounts i have removed this force placed coverage with new insurance the reduces PITI payment about $ XXXX. The first 2 pages were sent in with payment & the correct escrow calculation amounts noted in my handwriting, servicer & attorney refused to correct this matter. 

2. XXXX XXXX, XXXX servicer has hired some new attorney XXXX XXXX in XXXX, Fl out of the blue to illegally change the previous agreed to modification above dated XXXX XXXX, XXXX increasing the principal balance some {$15000.00} while continuing to intentionally miscalculate the higher escrow amount & refusing to do anything to correct it. Attached is this 2nd document. This XXXX XXXX said to sign it or servicer told them to foreclose on us so we have been forced to sign this document knowing its wrong under pressure of foreclosure while plaintiff possess a proven forged original note & mortgage proven by forensic expert reports.

3. This home was affected by Hurricane Irma & servicer was advised. There is a federal FEMA forbearance order which declared the state of Florida a disaster zone yet this wrong forced modification says we MUST pay by XXXX lst or else.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

My checking account with JP Morgan Chase was closed in XX/XX/2019 due to fraud that was not fault. My account had been hacked and a fake check had been mobile deposited to my account via their Chase mobile app. After escalating and calling Chase 's fraud department and resolving the issues and closing that account I was told by mutiple internal Chase representatives that I would be able to open another account with them with no issues. I was told wrong because after going in to not one but two local Chase Banks in person to open a new account, I was refused to open an a new checking account with Chase with the reasoning being that Chase ended our banking relationship. I was not notified nor did I receive anything from Chase in the mail regarding this issue. I am still extremely confused and upset regarding this whole dilemma.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have had a student loan since XXXX. XXXX XXXX sold it to Navient. Navient never informed me of options for forgiveness. I have worked for a government agency for over 20 years and would have been eligible. When I accidentally heard of a potential program, I asked Navient they first informed me there was no program. The second time I asked they informed me there was. By the time I could identify that I was eligible given my employment, my salary was too high to qualify. 

Currently in an effort to speed up my loans I arranged with Navient to ensure I was up to date and enrolled in autopay as per their suggestion. They informed me that by enrolling in autopay I would reduce interest rates. However, after about a year my interests rates have not reduced. They are now informing me that due to an insufficient account several years ago I am ineligible always to have any interest rates reduction. They lied to me again.
Consumer complaint received 2023-01-27
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. (TX)

This complaint is directed against three companies listed below, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian Both of my credit reports with Experian and XXXX currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in two ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and XXXX ( not Experian ). As a result, my XXXX report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My Experian report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both Experian and XXXX, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to Experian and XXXX and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these XXXX credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that XXXX and Experian did not perform a good-faith investigation.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (AR)

XXXX XXXX XXXX XXXX XXXX. Installed equipment in my home back in XXXX. At the time the company misrepresented themselves as being XXXX. After I question company after install I decided to canceled. At the time I paid in full what was owed. After misrepresenting themselves as XXXX I could not in good conscious continue after being deceived into a erroneous contract.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

The CRA, Experian, after several disputes, regarding inaccurate reporting for XXXX Acct # XXXX keeps returning my disputes with the following statement, " the information you disputed has been verified as accurate '' ( latest response, Report # XXXX, XX/XX/2020 ). 

Federal Law requires that this item be immediately removed because the information is inaccurate and, can not be verified.

The account is missing several years of payment reporting history. Experian is reporting one year of payment history on my report, with a one month collection. I have repeatedly asked them to investigate this for missing payment history and missing highest account balance. I have reference the Fair Credit Reporting Act, pleading with them to be compliant and remove this account.

Instead, they have falsely stated that the account has been verified as accurate. How can an account that has been opened for over 3 years, reporting one month of payment history - which is negative - be accurate. Experian is suppressing my score, making it difficult for me to access credit. They are in violation of the law.
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX XXXX ) Law Offices XXXX XXXX/XXXX/XXXX These are not my debt I have had XXXX for the longest these no way I should have any medical bills in my name or credit
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the XXXX  report failed to load and the Experian report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called XXXX to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The Experian website to request a report did not work when I tried to submit documentation for a report by mail.
Consumer complaint received 2017-10-17
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. (MD)

On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.
Consumer complaint received 2020-10-07
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)

There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Under my XXXX, I received a hard inquiry from XXXX, or 'XXXX XXXX XXXX XXXX ' on XX/XX/XXXX There was no address included and I have no idea where that came from. I suspect that it could be potential fraud or identity theft. 

Under TransUnion, I received two hard inquiries from XXXX named 'XXXX ' onXX/XX/XXXX,  and another from XXXX named 'XXXX XXXX XXXX ' onXX/XX/XXXX. Again, no familiarity with these two. 

From what I recall, I opened several credit card accounts back in XX/XX/XXXX and XX/XX/XXXX, closing one with XXXX XXXX because I did not want to use it.