davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

On XXXX I got my yearly free credit report from all XXXX credit reporting agencies. On XXXX, I went online to dispute some information. Experian website says that when you get your free credit report, it is available online for 30 days. I was able to log on and dispute some items I noticed. However, I noticed that there was a fraud alert placed on my account on XXXX, which I never placed on that date, considering that 's the first time I viewed my report thoroughly. However, I did place a permanent fraud alert last year, and since then, I have had over XXXX hard inquiries on my credit report that I did not authorize, and many, many accounts opened in my name. Experian wo n't let me dispute the inquiries, and tells me to call a number, where I get an automated response, with no option to speak to a real person. I logged off the website, because I was at work when I did this, and tried to log back in about 2 hours later. Lo and behold, they could not find me in their system, and it stated that I had to " Send the letter provided below so that we can accurately identify you are really who you say you are ''. This is absolutely ridiculous. Also, I have over XXXX hard inquiries on my report from Experian themselves. Since when does a credit reporting agency pull a hard inquiry, when they have access to everything anyway? No wonder my credit score from this company is so low. They 're lowering my credit score by pulling hard inquiries that I did n't authorize, over and over and over again. I 'm also extremely upset that they have allowed so many inquiries to go on my report when I placed a permanent fraud alert a year ago. Of course, I do n't have any documents to upload, because they wo n't let me into my account.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

On XXXX/XXXX/17 I disputed an erroneous account appearing on my credit report ( see CFPB case # XXXX. The line item is # XXXX pertaining to Idaho XXXX. Idaho XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, This item must be immediately and permanently deleted from my credit report.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MN)

I needed an XXXX for spraying soybeans. The custom sprayer person could only do it on the morning of XXXX XXXX, 2015. I told the merchant very clearly it must be at my residence by XXXX XXXX, 2015. The merchant promised me over the phone that the latest it would be there is the afternoon of XXXX XXXX. When the merchant did not deliver on his promise and get it there by XXXX XXXX, I had to drive XXXX miles and buy the spray elsewhere. Then when the now worthless chemical arrived at my door I sent it back to the merchant and said you did not send it it time you promised and it now has no value to me. So, now the merchant has the chemical and still does to this day. My credit card company, Amazon rewards visa by chase refuses to credit my account even though the vendor broke the contract on delivery date and still has the chemical. So, I am currently out {$870.00} and the vendor has my {$870.00} and the chemical. Please please do not let more consumers be taken by the lack of responsible behavior by vendors and credit card companies. The name of the company is XXXX XXXX XXXX and the name of the vendor is Amazon rewards by Chase. Thank you
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I paid XXXX bills off that was not mine to get it off my credit report. XXXX was issued XXXX XXXX Deletion Control numbers. XXXX bill for {$170.00} for XXXX XXXX was paid off. Other bill for {$550.00} for XXXX XXXX was also deleted by XXXX same day as the {$170.00} ca n't get Experian to remove the one for {$550.00}. Proof of payment and deletions made by collection company are attached.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

EXPERIAN COMPLAINT : Complaint regarding dispute sent to Experian regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Experian reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Experian was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Experian never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 

Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Experian reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Experian Credit Report Experian Response to Letter # 1.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (TX)

I COMPLETELY paid off XXXX charge cards which, along with some others, have have had $ XXXX to $ XXXX in balances. Not to mention my income is approximately $ XXXX, XXXX % higher than last year - or ever. My reward for paying off XXXX {$4900.00}. XXXX card? 2 days later they crushed my credit limit from $ XXXX to $ XXXX. THAT MAKES NO SENSE! I pay off almost $ XXXX and THEN get my limited clobbered to XXXX of what I JUST PAID! This makes no sense ( and I expect they have a credit score, with NO late pmts, from before everything just paid off ). Can not think of anything else. Jeez, why pay it off. Might as well have paid off another card that was not going to penalize me for improving my credit and paying off balances!.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Marlette Funding, LLC (CO)

I had a personal loan with Best Egg that I originated online and paid automatically on a monthly basis through my checking account. About one year into the 36-month term of the loan, we refinanced our home, and the lender added a condition that the Best Egg loan balance must be paid out of escrow funds before our refinance would close. 

On the day the refi was funded - XX/XX/2016 - the escrow agent called Best Egg and attempted to make a payment. He offered to do a wire transfer and was told that it would not be acceptable. He offered to do an ACH payment and was told it would not be acceptable. He even offered - with my blessing - to log into my Best Egg account and initiate a payoff from there. He was then told that all of these options would be unacceptable, and the only way that Best Egg would accept a payoff was via check, mailed to their address. 

Here 's what Best Egg did not say : They charge daily interest, so every day that goes by without receiving my payoff, they charge me more money. Each day, almost {$10.00} - I believe it was {$9.00} to be exact - was added to the loan balance. So they did n't receive and credit my payoff until XX/XX/2016, resulting in {$39.00} in extra charges to me. I feel that this is unacceptable and almost fraudulent - they engineered a process by which they could tack on a few extra days ' interest to every single loan payoff, and did n't even have the courtesy to tell the escrow agent that this is what would happen. As a result, they never considered my account paid off - rather, they now consider it to be delinquent with this minor and ever-increasing interest balance. 

I contacted Best Egg this morning, XX/XX/2016 and spoke with " XXXX. '' XXXX informed me that they are unwilling or unable to adjust the interest charges, and this is just how their process works. Despite being fully able to take electronic payments on a monthly basis from my checking account, electronic payoffs just are n't allowed because - XXXX 's words - " our systems just ca n't handle it. '' So apparently I 'm supposed to pay this extra interest, based on a payoff date of XX/XX/XXXX, even though my agent was on the phone XXXX days earlier offering up numerous electronic payment options? I think this is outrageous.
Consumer complaint received 2015-12-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (VA)

For the last couple of weeks, we have received calls from UCI stating my wife has a debt. We have caller ID and do not answer calls from unknown parties so the call is recorded. We owe no debts and have received no mail notices from anyone about any unpaid bills. The calls are coming from XXXX.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MI)

I have submitted a credit dispute with Experian a number of times about my address and addresses that are not mine also deleted information on my credit report and they refused to delete it even though it has been deleted off of my XXXX and XXXX credit Report. They also associate me with an address because I have utilities in my name at that address but as I explained to them it is not or nor has it ever been my known physical address so it should not be reported on my credit report. I have a utility bill in one of my relatives name because he and his wife was going through hard times and for some unknown reason Experian is reporting that as my address.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (TX)

I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. 

They call twice a day, if not more even after I 've requested they remove my work telephone from the system.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX-XX/XX/2016 several fraudulent charges were made neither by my husband nor me, using my husband 's chase debit card totaling {$4200.00},. 

On XX/XX/XXXX and XX/XX/XXXX telephone transfers were made, neither by my husband nor me, moving money from savings to checking account to conceal the purchases. 

Chase continues to deny my claims stating that these charges were correct, even though I showed that we were not in the locations where the charges were made, that the signature used to make the largest purchases is not that of my husband. 

Chase refuses to disclose the following information : telephone recordings of the telephone transfers, whether the transactions were chip or swipe, whether PIN was used and whether it was set for this debit card. 
In their investigation Chase did not request CCV recordings from XXXX, where the largest transaction was made. 
This appears to be the case of identity theft. Chase, despite having resources to pursue the thieves, chose not to do so, and decided to simply deny my claims. 
I feel that Chase 's investigation was grossly inadequate. I have retained a lawyer, however, after my sworn affidavit and appeal were ignored by Chase, he informed me that further pursuit would be cost prohibitive. Chase is withholding information from me, which prevents me from getting justice.
Consumer complaint received 2017-01-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank did a credit inquiry on my credit that I did not authorize. I did not authorize in any form or fashion. I called the bank to ask them to remove it and was told that they have been hacked into and credit inquiries were happening to a lot people and that I needed to call their IT security dept. The next day I called the security dept. and they said they would get it removed. I gave them all my information to get it removed. It has still not been removed yet. The inquiry was dated XXXX on credit reports, for whatever that 's worth. I do no business of any sort with Chase Bank, no accounts, nothing. I am still wondering how they got my information in the first place? Without sighed or confirmed to do so? Something fishy going on at Chase Bank
Consumer complaint received 2017-10-11
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Chase Freedom XXXX to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$700.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule XXXX for XXXX XXXX that I owned. I file my taxes using XXXX from XXXX ( XXXX and XXXX ). I provided them my tax returns for XX/XX/XXXX and XX/XX/XXXX along with the XXXX XXXX. The XXXX XXXX format generated by XXXX is different from the XXXX seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule XXXX on top and my tax returns have been accepted by the IRS and XXXX is an IRS approved Tax software. However, the bank is insisting that the XXXX XXXX provided by me are not the right format. I offered to redo the XXXX XXXX to the format required by the bank and the bank declined that option. The interesting thing is that all the XXXX XXXX 's I provided are having {$0.00} entries and do not impact my credit worthiness or assets or liablities. We have been going back and forth on this for more than XXXX weeks and there is no resolution. The issue is at a stalemate. I have provided all legal documents and information required by the bank and they are simply refusing to move forward based on the XXXX XXXX issue. I believe they are acting in an authoritarian manner and possibly discriminating against me and using the XXXX XXXX as an excuse. The Schedule XXXX 's I have provided are legally accepted forms by the IRS and yet the US Bank is refusing to accept the same. The loan XXXX I am dealing with is curt and not willing to listen to me.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

On my XXXX report it shows that i have XXXX debt transaction on my SSN which was given to collection agency. XXXX on Equifax from XXXX on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

On XXXX XXXX, XXXX, I received a letter from the XXXX XXXX D. Scott Carruthers, stating I owe a balance of {$16000.00} for an original debt of {$2100.00}. In the letter they also state that once they verify my place of employment, then they will begin the lawsuit. I have written the collection agency that this law office is representing on several occasions requesting proof of the debt. I have never gotten any response from them. The last letter I sent to them was dated XXXX/XXXX/XXXX where after doing some research of my own and contacting my states attorney general, I found out that the Statute of Limitations had expired.I sent them that letter explaining my findings and still have yet to get a response from them. And now 1 year and 3 months later I get a letter stating that I will be sued. 
Update XXXX : I have since tried to resolve this matter by going to court but ultimately settled and am now paying {$50.00} a month on a debt that I do not owe. I am a victim of identity theft and this loan was taken out in my name without my knowledge by my former boyfriend who I was abused by. I feel that since we lived together at the time and he had access to all of my personal information, that he took out the loan without my knowledge or consent. I provided this information to the lawyer that contacted me including police reports, and an identity theft letter ( notarized ) and copies of previous restraining orders to prove the abuse that I was subjected to. A deposition was done as well, and I told them the same thing. But they continued to state that I owe the debt. Although I am currently paying ( out of frustration, and fear of them finding my abusive ex and them giving him any information to where he can find me-he has threatened to kill me on several different occasions ) is there anything else that I can do? I do not want to pay for a debt that I do not owe! I originally filed a complaint back in XXXX and am still working to resolve this matter. Here is the Case number : XXXX ]
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Equifax has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on XXXX Equifax Credit Report. My last document XX/XX/XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.