davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2023, at approximately XXXXXXXX XXXX, a person identified as XXXX of the J P Morgan Chase XXXX XXXX called me to acknowledge receipt of my complaint ( XXXX ) submitted to the Consumer Financial XXXX XXXX XXXX XXXX about XX/XX/2023. Problem XXXX : The number calling was XXXX. She provided no other information. It is now almost XXXX weeks without further response from the bank. I tried to call the aforementioned number, but there was only a recording about marketing preferences without possibility of talking to anyone. JPMCB purposely deceives the public about the number from which it calls, and makes it impossible for the public to contact the person allegedly assigned.. For more than XXXX months I have not been provided with appropriate information ( statements ) about my account to verify charges. I filed a different complaint ( XXXX ) to the CFPB subsequently, but Chase has not even acknowledged it, let alone made any attempt to resolves my complaints. I do not know if " XXXX '' is a real name or nom de jour. Problem XXXX : I sent an email to JPMCB XXXX XXXX 's email address listed on the internet ( XXXX ), but my message was returned as sent to an unknown at JPMCB who supposedly is handling my complaint ( s ) while JPMCB remains silent and incommunicado. JPMCB purposely prevents the public from contacting its assigned personnel.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

Experian Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Consumer complaint received 2015-04-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

I got a XXXX payday loan from Castle Pay Day Loans. I was told it would be XXXX a month and it would be XXXX to pay it back. When they took my XXXX payment out of my account they charged me XXXX. I am on fixed income and this could have caused an overdraft if I had not seen it in time. When I contacted them they told me the XXXX was bi-weekly. They did not tell me that when I got the loan. And when i looked at the info on the website, they are showing that i will be paying them XXXX over a period of XXXX mos. It is showing XXXX pymts of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX,, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, and XXXX pymt of XXXX. I was never, never told it would take me XXXX months to pay this off and that it was going to cost me XXXX to borrow XXXX or I would never have borrowed it. When I called and asked them why they took out XXXX instead of XXXX, they told me that the XXXX was biweekly and that I had opted for monthly. Well, when I spoke with them they told me more than XXXX it would only be XXXX and if I wanted more taken out I should call 3 days before pymt due. So i did n't call because all i wanted them to take was the XXXX. They also said that i could pay it off for XXXX before my next due date of XXXX XXXX, 2015. So on top of the XXXX already given to them, they want me to still give them XXXX. That is totally unacceptable as well!!! I have also filed a complaint with BBB but wanted to file with you as well.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OR)

I have a security freeze placed on my credit reports with all XXXX credit reporting agencies. When I need to thaw my credit reports I can go to the website of the agency, and using my personal information and a PIN that is assigned to me by that agency, I can temporarily unfreeze my credit so I can apply for credit when I need it. This has worked fine for me until the last XXXX times that I have tried to thaw my credit ( starting in XXXX 2015 ). Now XXXX of the agencies, Experian, will not allow me to thaw my credit online or through their automated phone system. They are requiring me to send to them via US Mail, copies of my driver license, Social Security Card and a current utility bill. This has turned the process of thawing my credit from a simple XXXX minute exercise into a seven day wait and a major inconvenience. I have been unable to contact anyone at Experian to help me resolve this problem.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

Experian refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Experian is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my credit report.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I am filing this complaint because Experian has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX/ XXXX . Account Number : XXXX ... 
Account Name : XXXX XXXX XXXX Account Number : XXXX ...
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have fraudulent and unauthorized credit inquiries listed on my Experian credit report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2015 & XX/XX/2015 unauthorized inquiries were submitted to Experian. I have spoken to reps from experian advising that I did not authorize these transactions. The representatives advised I would need to wait 2 years for this information to fall off from my report. XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX : XX/XX/2015 ; XXXX XXXX XXXX : XX/XX/2015.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

This is my second complaint. My previous complaint involved the failure of Seterus to credit my mortgage payments for XX/XX/XXXX and XX/XX/XXXX. After you contacted them they corrected the issue. They stated the reason my payments were n't credited was because my account was flagged due to a pending loan modification and trial payment offer. I never requested a loan modification. However, they credited the account and sent me a statement reflecting my payments. They also sent me paperwork stating my loan modification offer was cancelled at my request. Great! I never requested a modification nor did I request it be cancelled. Since they credited my account appropriately I thought all was fine. Today, I attempted to log onto the website to make my payment and my login is redirected. The screen I am redirected to says, '' thank you for applying for hardship assistance '' and I am directed to complete paperwork for a modification. I have not requested hardship assistance and I believe it is less than honest to redirect the website upon login to make it look as though I have. To be clear, i do not want a modification and I am not requesting any hardship assistance. Today when I arrived home a package was waiting that stated Congratulations your modification has been approved. What modification?. This company is either really confused or they are playing games. Is this the modification that was cancelled at my request? If so, why is it now approved? I just want to make my payment and have it appropriately credited to my account without all of this nonsense. After the last issue was resolved in XX/XX/XXXX, I somehow ended up with a {$200.00} plus dollar over-payment sitting in my suspense account which is odd since I paid the amount my statement showed was due.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NJ)

I have disputed the same issue, of public record with Equifax XXXX. They have still not deleted the public record from my credit report that is reporting incorrect information. The first time I disputed the information they responded in the allotted time and updated the status, but the information was still incorrect. I then disputed the information again on XXXX/XXXX/2015 they resolved it within the same day and basically said that it was verified, which is literally impossible. I then called and was told, basically that there is nothing that they could do. I informed them of my rights through the FCRA and that I would take action if this information was not deleted from my report, and still they did nothing.
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have a concern with Equifax adding addresses and removing information off of my report that they did not have permission to do so. They added an address of XXXX XXXX XXXX on my credit report. I have never lived at this address and they had no business doing so. I also added XXXX to my fraud alert so that potential creditors contact me. Someone removed it. I had it added a few weeks ago and someone removed it. I am not pleased with any of this and Equifax is about to have a lawsuit on their hands if this is n't resolved in the next few days.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

I had fraud items removed from equifax has put them back on with out any notice regarding that they were going to re insert the items. Each company that pulled my credit can show that they were not on my credit and you can see the date from when they were open from XX/XX/XXXX and XX/XX/XXXX these accounts are fraud i sent in my police report and FTC AFFDAVIT signed and notarized years ago regarding these accounts. They claim they ca n't find my documents but these accounts were removed from my credit a long time ago they are breaking the law and XXXX to me about these accounts. 

They have split my file and now i ca n't even get a score because of what they are doing.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP (NY)

I am a XXXX woman, who is a XXXX. On XXXX XXXX 2016, I visited a branch of Valley National Bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I went to discuss the possibility of opening up a teen checking account. The guy named XXXX XXXX XXXX ( manager ) kept questioning me without any willingness to help and with obvious discrimination on my race and gender. He later rejected me rudely without giving me any reason.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

Equifax is charging consumers XXXX $ for 30 days of credit monitoring. The issue at hand is that the website area that allows you to dispute and check on the status is not working correctly, so we are all being charged for a service that is simply not being provided. I have called 4 times trying to resolve the issue and nothing is being done about it. Second issue is they are not updating the credit reports accurately even after all disputes have been resolved. They are taking advantage of the American people and something needs to be done about it. Thank You
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

Attempted to pull my free annual credit report from Big XXXX Credit Bureau  on XX/XX/2015
I was able to promptly receiving my copies from XXXX and XXXX but i could not obtain a copy with Equifax. After i  made a phone call to seek help i was told they could not  help me and they  had to Charge me $ XXXX to obtain a copy.
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MN)

I am eight years out of school, and my private student loans have been bought and sold between companies several times. For the past several years, Discover has owned them. Here 's what 's happening : I am set up for autopay. Occasionally, about every six months, I 'll make a large principal payment, submitted through the mail. 

Every single time Discover has not applied this payment to principal, but used it to suspend my autopayments, using the principal payment as a time-release regular payments. A month goes by, and I notice that my autopay has not gone through, so I call and make them apply it to principal. 
Every time they apologize, every time I ask if they 're going to refund me the interest they 've charged me for that period, and every time they tell me it was an " error '' on their part, so they do n't have to do jack. During my last jaunt with customer service, one of the reps actually tried to placate me with " It only works out to about four cents a day for you. " That they 're stealing from me. 

Initially they tried to tell me it was my fault for not checking the correct box ( apply to principal ) on the slip, or writing it on my check, so I 've started taking pictures of my checks and slips. For a few months they had actually removed the " apply to principal '' box on their mailing slips, but as of last month it was back on. I 've gotten suspicious enough of their shady practices to request an in-detail payment history. Still waiting for it to arrive.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (MD)

I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard does n't work properly, I have never filed bankruptcy or anybody contacted me I do n't have any paper work to proof that I am in process and I need a lawyer. Since they started to harass me I ca n't do anything even use my computer or buy a new XXXX to protect my privacy and financial stability of loosing all information any place I go for employment it said XXXX I will never find employment at will any other places. My administrator password from my computer is under CIA spy agency. 
I will stop all payments until I will see my statement that money that I pay are not lost. I do not know anything nothing is billed or mailed to me as confirmation of all payments. Please Advise.
Consumer complaint received 2017-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (WI)

I have two student loans that were purchased years ago from XXXX by Discover Student Loans. Last XXXX, after months of attempting to set up automatic EXTRA payments on my highest interest account each month without spreading the payment between the two loans, I was able to successfully do this over the phone, which the company said was the only way this type of payment setup could be done. I set it up so that in addition to my minimum payment, which drew automatically from my checking account on the first of every month, that on the second of each month, an additional {$260.00} would be drawn from my checking account to pay down principal on my loan that was nearing ( now over ) 9 %. Today, I called to increase that extra payment to {$580.00} on the second of each month, only to discover that the payments I 've been making for the last 10 months in fact were not going solely to my highest interest loan as I 'd been told they would. They have claimed that this will be corrected retroactively in the next 7 days, but that there will be no notification once the change is made, I 'll simply have to check the balance to see whether it has reduced in the high-interest loan and increase in the low-interest loan. I worry this will have an effect on my XXXX document needed for filing my taxes.
Consumer complaint received 2016-05-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (NY)

After submitting multiple reports, phone calls, emails, etc. it is apparent that Discover will not compromise or help out my situation at all. I have tried everything in my power as a consumer to get them to negotiate my interest rates, apply for the hardship assistance program, only to have them tell me that I do not qualify and they will not budge. 

This is nothing short of Loan Sharking, and it will not stand. I am a human being and deserve to have consumer rights. If I do n't apply for hardship assistance, working/owning XXXX full time businesses, while not being able to afford groceries, rent, phone, or any other expense besides my student loans. I do not miss my payments. I pay between $ XXXX {$1200.00} with all my student loans combined ; Discover is charging me 8.875 % for a {$11000.00} loan and 7.125 % on a {$19000.00} loan. When I ask to apply for the Hardship Assistance program ; interest rates are reduced temporarily with a {$50.00} per month payment, they say that I do not qualify. 

I made less than {$20000.00} dollars last year. If I do n't apply, who does? Where is the justice system? How are they allowed to get away with Loan Sharking and such fraudulent behavior? If college is a debt sentence, the said debt should be reasonable and not astronomical. Taking advantage of the youth by having them sign papers they do n't understand because they need to pay for college is Loan Sharking. 

Shame on you Discover. It is not secret that all they care about is their bottom line, and the people are just numbers to improve that. It does n't matter if they ca n't afford groceries. At the very least, bare minimum, these companies should be held accountable and made to refinance these outrageous loans that are somehow legal. When we talk about justice, how is it just to have a multi-billion dollar company handcuff a citizen below the poverty line. If someone below the poverty line ca n't refinance their loans, I want to know who can? 

Enough is enough. If the companies themselves wo n't budge an inch, it 's time for our government to step in and protect the people for once.
Consumer complaint received 2016-08-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: DISCOVER BANK (WA)

During the application process Discover gave the option to add a cosigner to my application. In my attempts to do so ( because it would n't let me ) I did what any reasonable prudent person would do and followed the prompt to the next screen thinking that it would give the option to add my cosigner there ( like every other student loan site ). However, the application came back immediately denied with no option to add a cosigner. In my attempts to fix this by contacting support discover admitted it was there mistake and said they would offer no solution in fixing it until I receive a letter two weeks from today. This was misleading and fraud in the way that it was advertised and no prompts on the website explained the cosigner aspect.