davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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)

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX  Credit card, date open XX/XX/XXXX, credit limit XXXX  Inquiries made by unknown Identity theft Company-XXXX  date XX/XX/XXXX Company- XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company-XXXX XXXX XXXX date XX/XX/XXXX Company- XXXX XXXX XXXX Date- XX/XX/XXXX Company-XXXX Financial Date- XX/XX/XXXX Company- XXXX XXXX Date- XX/XX/XXXX Company- XXXX Card  Date XX/XX/XXXX & XX/XX/XXXX ( 2 Inquiries ) Company- XXXX XXXX  Date- XX/XX/XXXX Company-XXXX XXXX Date- XX/XX/XXXX Company- XXXX XXXX XXXX  Date- XX/XX/XXXX
Consumer complaint received 2021-03-10
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: ERC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-02-24
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 XXXX I WAS TOLD I HAD 90 DAYS OF MISSED PAYMENTS ON MY CREDIT CARD THIS LEAD TO MY CREDIT SCORE DROPPING XXXX POINTS. THIS INFORMATION IS UNLAWFUL AND INACCURATE. THIS INFORMATION BEING WRONGFULLY REPORTED ON MY REPORT IS STOPPING ME FROM PURCHASE MY DREAM HOME. BY LAW WITH THE FAIR CREDIT REPORTING ACT SECTION 15 usc code 168b IT IS ILLEGAL WITH OUT MY CONSENT TO REPORT
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (KS)

i have over {$100.00}, XXXX of student loan debt. The subserviceer of this asks for certain paperwork from Social Security. I am on permanent XXXX. I provided that information to them and they stated it was wrong. I called back and they stated it was on the form requested and had all of the necessary information and I qualified and they should not even need the form but it was provided to me to forward as a courtesey. They got a form from my pracitioner who maintains my health and they would not accept that information either. i don't know what to do. I have been on XXXX permanently since 2009. I am not getting anywhere and can not pay this I get {$800.00} a month that is all. I don't work because I can't not because I don't want to.
Consumer complaint received 2021-05-05
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. (NY)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. All reporting needs to cease.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Several payment made on my Macy 's credit card that I did not make in XX/XX/XXXX. I filed a fraud report, and closed the account. I received no further information. I then received an email in XX/XX/XXXX saying that the account is overdue, from both Macy 's and a credit agency. I called Macy 's. They cut me off 4 times in the space of two hours. They still have not resolved the problem. My perfect credit history is at risk and they have cause significant mental distress.
Consumer complaint received 2022-04-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA XXXX XXXX PORTFOLIO RECOV ASSOC XXXXXXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXK {$420.00} Balance updated XXXX XXXXXXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXXXXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$3100.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (NY)

I am submitting a complaint in regards to my XXXX  account that is held by XXXX  XXXX. Back in XXXX of XXXX  my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX  website. Well in XXXX when they closed down the website went down as well. I contacted XXXX back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of XXXX  XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Consumer complaint received 2020-09-06
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. (FL)

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Experian. 
This account needs to be removed. This is from 2008. It is 12 years old.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (FL)

Dear XXXX -- I have had continuous issues with DHI Mortgage in applying for my new home loan. There has been misclassification of a XXXX gift from my mother that they tried demanding was a " downpayment '' gift more than XXXX weeks before my decision to purchase the home. They tried to force my mother to sign an illegal gift letter and wanted her personal account statements to review although she has no relationship to my home. They have also begun calling employers I have not had any contact with for over 3 years even though they have W2s and tax returns. They have refused to believe I am employed with my current employer and have asked repeatedly for their " employment verification service '' they use. They have an offer letter, W2s, and pay stubs for verification here. They have further harrassed me by continuously spelling my name wrong and asking for bank statements back to 7 months before the expected closing of my home. Lastly, they are adding {$1100.00} in closing fees for unknown reasons and have refused to explain the charges. These type of deceptive and harrassing mortgage practices should not be allowed to continue.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

This agency Chex Systems refuse to follow the laws and release updating correct info on my credit file with their agency. Chex systems continues to discriminate against me on a personal matter from me having a XXXX XXXX XXXX acct. that was paid off some years ago. XXXX said they contact Chex systems years ago asking them to update that my debit was paid in full with XXXX XXXX XXXX. 
I have been in great not good ... GREAT! stranding with XXXX XXXX XXXX since XX/XX/2015. I do not know what chex system problem is but I need this discrimination against me to stop! 
XXXX XXXX XXXX tries to open me a checking acct and saw that these idiots chex systems still has a block on me nationally so I can not open any checking acct anywhere. I am so sick of this agency not having current update info. 








Chex Systems, Inc.Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

JPMCB Auto Finance Account # XXXX The above company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt.

There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ).

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. This companies action of reporting inaccurate information is severely impacting my ability to obtain credit.

Please investigate so that this account may be deleted from my consumer report and my credit profile updated. 

Thank you,
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

I need help. My daughter and her boyfriend used my name and social to buy a home and they are trashing it. I am wheelchair bound and at their mercy. They always get so mad when people try to help me. They blame everyone else and never take responsibility. They have restraining orders against them from other people. There is fire damage to this house, debris and trash everywhere. I would be trapped here if another fire happened.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted formal letters enclosing copies of my SSN card, current state driver 's license both of which contained my correct personal information, including my legal name and correct residential address. These letters were sent from XXXX through XX/XX/2020. 

This information was submitted to XXXX, XXXX and Transunion on numerous occasions, IN WRITING, providing all related documentation to prove my legal name, address, and correct SSN. 

To date, these credit-reporting agencies have REFUSED to remove all erroneous information. THEY ARE REPORTING ADDRESSES OF CITIES AND STATES I HAVE NEVER RESIDED IN AND HAVE NEVER VISITED. THEY ARE REPORTING SOCIAL SECURITY NUMBERS THAT ARE NOT MINE. THEY ARE REPORTING NAMES THAT I HAVE NEVER USED. NONE OF THESE NAMES ARE MY LEGAL NAME AND DO NOT APPEAR ON MY SSN CARD.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Third time Freedom Mortgage is attempting to force place expensive insurance. I have owned the property since XXXX the property is not in a flood zone. XXXX approved the elevation certificate and it has never needed flood insurance. Freedom has serviced the loan for 3 years and this has never been an issue. 2 previous servicers never required flood insurance. 

It is impossible to reach anyone at Freedom. Their customer service is awful. Call wait time are always over an hour. They are a nightmare to deal with. 

With Freedom it is a continuous cycle of trying to rip off mortgage borrowers. I now have to waste my time and effort to try and get this straightened out. My time is valuable too.

Enough of the scams.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX filing this complaint on my behalf and certify this information to be true to my knowledge. The consumer reporting agencies are not complying with federal procedures to fix errors on my consumer report. Information that is reporting is not accurate and has not been verified.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Managment contacted via phone on XX/XX/2019 saying they were trying to collect a debt for XXXX XXXX ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box . 

I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. MCM never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called MCM on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 XXXX to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from XXXX XXXX. That in no way validates that they actually bought the account. 

I need validation that they have the authority to collect this debt before I make any promises for payment to them.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank, JPMCB CARD SERVICES. 
YEAR AND DATES 2019, XXXX, XXXX, XXXX, XXXX. During 2019 me and Bank a new agreement with my collection. Chase did not remove and delete any other late charges they put on my account after making this new agreement. Therefore after I've been trying to fix it and they said they can't change it or remove any more dates.
Consumer complaint received 2018-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with Bank of America ending XXXX using my checking account at Bank of America ending XXXX, the payment was not applied correctly and I have been calling many times in order Bank of America make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, Bank of America is reporting negative information to credit bureaus hurting my credit scores. Bank of America did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Petitioner Capital One Bank hired XXXX XXXX XXXX, XXXX and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX  XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018 2 unauthorized charges of {$100.00} were made at a XXXX gas station in XXXX Georgia. I have filed a claim and have not yet been issued a temporary credit 22 hours after filing the initial claim. I was advised by a chase representative that I should receive a credit within 12 hours after submitting the claim. I have spoken with 3 individuals, all of them telling me that they are sorry but they cant issue a credit until the charges show posted instead of pending. I have XXXX children and NO MONEY to feed them while waiting for my credit to post. I am disgusted by the way Chase is handling my account.
Consumer complaint received 2022-04-27
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2019-11-04
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. (FL)

I was a victim of fraud and for whatever reason Exeperian is not removing an account that even the company has indicated they were removing it because it was fraud. There is an account reporting under XXXX XXXX XXXX account number XXXX for which I have attached the correspondence with XXXX showing that Experian never even attempted to rectify this.
Consumer complaint received 2019-11-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I was in the process of changing banks from XXXX XXXX XXXX XXXX to XXXX XXXX and ran all the money out of the XXXX XXXX account only to find that the credit card associated with that account incurred a {$2.00} charge I believe for not being used. I called XXXX XXXX and they were unable to take a payment for this over the phone and so I attempted to transfer money from my XXXX XXXX account to the XXXX XXXX account but unfortunately this took a good amount of time ( I want to say 10 days ) and this {$2.00} caused a late payment and dropped my credit score by over 100 points. The money was transferred and payed on XX/XX/19