davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (VA)

My personal information and my wife 's personal information was hacked out of the XXXX while I was awaiting my XXXX clearance. I put all of the credit agencies on the 90 day fraud request and told them that XXXX and was providing credit monitoring for 10 years. Yet somehow someone fraudlantly implicated my credit via opening a new XXXX account. All XXXX of the credit report agencies are being non responsive to me at this time regarding the situation and XXXX has said they can see the issue but there is nothing they can do about it.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is negative. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2020 even though I received a XXXX Cancellation of Debt from XXXX XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've been dealing with the same problems year after year since I turned XXXX ( I 'm XXXX now ) when trying to check my credit, and while looking at my credit. FIRST, the questions that they ( the agencies, to be specific ) ask to verify my identity ( " your mortgage loan '', " your retail card '', etc ) HAVE NOTHING TO DO WITH ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THEY ARE NOT MINE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Second, when I finally manage to view my credit report, there are fraudulent items that were created BEFORE I WAS XXXX ( I believe there are still, there were last year, but I am not able to check my credit AGAIN because of the questions that I do n't know, and that 's why I 'm here, again, because no one is doing anything ). And last time I was here, you all had a glitch with your site where I could not check the status of my complaint. I hope that is fixed now. Can I catch a break PLEASE. Thank you.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I filed for a mortgage loan deferment with XXXX XXXX because I was recalled to Military XXXX. I have an approved mortgage deferment agreement and yet XXXX XXXX still reported me as delinquent from XXXX to XXXX 2015. Thus, this really hurt my credit score and unable to obtain a car loan. Herewith attached is the deferment agreement pertaining to my mortgage.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

This complaint is being made for several reason ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no one to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. Experian stated that they will not investigate ALL of the accounts. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. Congress states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my 1st and 2nd dispute letters which detail why they are inaccurate.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I requested Experian to investigate and verify erroneous, incomplete and inaccurate information that they were reporting in my credit file. It took them more than 35 days to respond and they said that they had verified the information, but they did not provide " Proof of Verification '' or their " Method of Verification, '' as requested. They simply matched up numbers in a data base and said that it has been verified. 

On XX/XX/XXXX, I sent Experian a letter to re-investigate this same incomplete, inaccurate and erroneous information, specifically requesting their " Proof of Verification '' and their " Method of Verification '' for this inaccurate and incomplete information that they are reporting. On XX/XX/XXXX, I sent a follow-up letter ( all letters were sent certified, return receipt ) reminding them to validate and delete this erroneous, inaccurate and incomplete information that they are reporting without legal verification. 

So far, they have totally ignored my request and have violated my legal rights as a consumer. I have also expressed to them how damaging this inaccurate, incomplete and erroneous information that they are reporting is to me, my family and my financial well-being. However, they continue in their blatant disregard of the law. In addition, I have requested that they provide " Proof of Verification '' as well as their " Method of Verification. '' They have not complied. 

According to the FCRA, Credit Bureaus have 30 days to investigate a dispute, and another 15 days to provide the " Proof of Verification. '' It has now been more than 100 days since my initial dispute and request for verification, and Equifax has totally ignored my requests and have not resolved this issue as of today 's date. Federal law states that under the Fair Credit Reporting Act, a Credit Bureau can not report information on a consumer that has not been legally verified. For your review, I have included my correspondence with Equifax, as well as, copies of my Return Receipts. 

Thank you for your prompt attention to this matter, and I shall look forward to hearing from you soon. 

Regards,
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am in the process to applying for an apartment and was denied. As per my experian credit report I have negative items, however when I pulled the report there was no negative items of it. Due to a false report I was denied the apartment and have to appeal the decision. It 's frustrating because I just realized that someone have been applying for credit in my name, even though I have an alert on my credit report. Experian need to remove the negative items off my report, some of them are past 7 years.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On my Experian account it shows that I have XXXX unauthorized inquiries, XXXX from XXXX and XXXX from XXXX XXXX XXXX ( Experian & XXXX ). I called Experian and they told me that they can not do anything but report the inquiry. 
Regarding XXXX - I called XXXX customer service and they advised that they can not speak on behalf of XXXX. So I called XXXX their phone number is disconnected. I have a XXXX credit card because my XXXX XXXX XXXX card was automatically transferred. The transition was a nightmare, they did n't send me my card, i had no idea my new account information, and now i see that XXXX is making hard inquires to my credit. 
Regarding XXXX XXXX XXXX - they made a hard inquiry on my Experian & XXXX credit report in addition to where I leased my car which is XXXX XXXX. Not only that, they obtained my credit report after I closed the deal with XXXX XXXX where a copy of my credit report was shown to me. 
I reported both unauthorized inquires to Experian and each time they told me to call the XXXX & XXXX XXXX XXXX because they can not do anything but report. 
I would like to remove these unauthorized inquiries from all credit bureaus.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NE)

Since XXXX XXXX, 2016, I 've been attempting to request my free annual report from Experian, though XXXX. Each time, when I get to the end after entering my info and choosing Experian, I get the message : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' So, the online form is n't working with them at this time, and they have n't fixed it after two weeks.
Consumer complaint received 2016-06-15
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS (CA)

D. Scott Carruthers XXXX XXXX XXXX, XXXX, CA XXXX This office, specifically a man named XXXX XXXX has been calling my work, my Manager, my boyfriend, my sister, my other relatives and my cell phone non-stop leaving messages and trying to locate me by asking ways to get contact with me and leaving messages with them, for me to contact the " Attorney Office '' as to make it sound like I am facing a legal issue. This is very embarrassing, especially because I work at a University and hold a professional position. I have sent a certified US Mail to his office asking him to Cease and Desist all phone communications to all the numbers he has, and all communications must be done through US mail. That was dated, XXXX XXXX, 2016. Since then up until today, he continues to call. I made one last call to his office on XXXX/XXXX/16 and spoke with XXXX, I said, " XXXX I am asking you to stop calling my work and all other phone numbers you have on file, this is harrassment. I want all communications via XXXX Mail. '' He said, " I did. '' Then I said, " I also sent a Certified Letter on XXXX/XXXX/16, requesting you to Cease and Desist. Goodbye ''. In the letter told him how he has harassed and embarrassed me. He has caused me to suffer severe humiliation, emotional distress and physical discomfort. XXXX. He has violated the FAIR DEBT COLLECTION PRACTICES ACT & THE XXXX FAIR DEBT COLLECTION PRACTICES ACT since I live in the State of California.
Consumer complaint received 2016-06-08
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

XXXX gift card has always been in my possession. I tried to use it and found it had been hacked. Someone had registered the card and used it for XXXX online purchases. 

I have the receipt and card. Called the number for US Bank National Association and have been given different stories each time. 

The first representative could see the card number was tried for a {$1.00} charge before even being activated. She took all of my info and gave me instructions on filing a fraud dispute. She gave me this fax number XXXX - which repeated attempts over many hours failed to deliver. 

I called back and this time was told that instead I needed to file a lost/replacement card request due to the card being registered in the hacker 's name. This does n't make any sense to me. I have the card! I was given different instructions on what to fax and to send it to XXXX. Still wo n't go through. 

I was also told I would be given a replacement card at a charge of {$5.00} - the new card would have a value of the remaining {$7.00} instead of the original {$200.00} is all that would be put on the replacement card. Then I would need to file a dispute to get the remaining original value put on this replacement card. This makes absolutely no sense. 

I have attached a scan of the information requested from me by US Bank.
Consumer complaint received 2016-11-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

I am the Trustee of my daughter 's XXXX trust and manage the trust CD accounts at several banks. XXXX of those banks is U. S. Bank, XXXX XXXX in XXXX XXXX, California. The Trust has a CD account, currently around $ XXXX that has been in that branch since XXXX. It gets renewed upon maturity. Last maturity was on XXXX/XXXX/XXXX. I have not received the bank usual maturity notice in the mail, so in such a situation, the bank automatically renews the CD with the same term ( 11 months ) and for the CD rate on that date. The previous rate was 0.5 % and that rate is low but the bank automatically renewed the CD at a ridiculous rate of 0.05 %, which is a rate even low for a saving account. I contacted the bank personally and spoke to the banker and the branch manager and even complained to the regional manager that such a renewal rate is not fair and not realistic for an 11 month CD of $ XXXX. I asked them to show me the CD rate on or about XXXX/XXXX/XXXX and the branch manager said he ca n't get that. I asked the regional manger for the same information and she said she ca n't do anything to correct that rate. I asked for her full name and she refused to give me her full last name. I needed to document the persons that I contacted in the bank for this issue and she did not give her full name. I have other CD account for the Trust and then other bank give around 1 % which is low but acceptable in this market. I find U. S. Bank action in this situation to be very unfair and most likely other consumers can experience such disregard to consumer rights unless the bank is made to be aware of that bad practice. It is ridiculous for an 11 month CD of $ XXXX to be generating around {$3.00} interest per month even in this market.
Consumer complaint received 2016-02-07
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weber & Olcese, PLC (MI)

I had a debt with XXXX I had been paying. I had a car accident and became temporally XXXX with a XXXX and was off work for a long time. I finally got back on my feet but have some medical issues with some things that I need help with still. XXXX sold my debt to XXXX who I had been paying until I could no longer. Then they got Weber and Oclese to recover a large amount from me. I started paying on the debt in XXXX 2015 again. I asked them to accept what I could pay and I would try and pay them often until the debt was paid. They kept telling me to call. I did not wish to call because I need everything in writing. I continued to pay, and got a receipt from them thanking me for a payment of {$25.00}, {$100.00}, {$32.00}, {$12.00} payments starting in XXXX with an explanation BUT THEY STILL CONTINUED TO serve me with a summons. I kept paying and kept asking them to drop it and work with me on a plan. They ignored my requests after I told them that I could not pay a large amount and even though I was paying, they proceeded with got a garnishment with my local court and theirs to now lock onto my tax return even though I paid the debt in full! Now they say I owe them {$480.00}! 

The date of the first summons was XXXX. I had started in XXXX paying on this debt.I have submitted several receipts and continually asked if they would drop a pending summons of wage garnishment because I had been injured in an auto accident and was trying to get back on my feet. I have since found several medical problems from my injuries. I have other bills to pay but had also been trying to pay them. The requests went ignored and they kept telling me to call. Since I had a XXXX in the accident I got help with figuring out my finances. I could not call them because I get confused easily so my father had filed a complaint. It went ignored and they accused my father and mother of filing the complaint. They proceeded with a garnishment not only of my tax return but a judgement ruining my credit, even though I was paying on and paid it IN FULL OF {$440.00}. now say I owe them $ XXXX only had the {$440.00} and that is all it said on the website to pay.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (TX)

My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NJ)

Being wrongly sued by Discover Bank and debt collecting attorneys XXXX XXXX for unsecured debt that does n't have any of the following, but not limited to, original contract, terms, incorrect balance, libor rates, lack of standing of plaintiff, etc Please look into this harassment and intimidation letter sent by XXXX XXXX XXXX on behalf of Discover Bank and request all civil action be dropped immediately. As well as report complaint against XXXX XXXX attorney at XXXX XXXX XXXX.
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (IL)

Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. 

I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. 

Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. 

Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. 

Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 

2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 

3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 

4. No way I could know if I would have double cashback in 60 days. 

5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. 

They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.