davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Victim of ID theft or just not my account. 
Dispute of Bankruptcy returned as validated, verified by original creditor. 
My next steps included going to the court house to obtain supposedly " my record of bankruptcy '' Return results {$8.00} to find out you have no record. Next I wrote the US trustee inquiring so I could have a paper trail, Their response " We do not report to CRA 's '' Please call us@... .... 
I called to find out that only limited information is available and public reporting by outside sources is how the CRA obtain their information. NO SSN, NO DOB, names and address only! Now I 'm mad, I feel lied to and cant understand how I got into this mess.. There is no reports of this on the other CRAs?!?!?! 
So I did what any lost and confused person would do, Reached out to a consumer report attorney. His suggestion was to file a police report as ID theft and let the CRA figure it out. 
On XXXX/XXXX/16 Experian received police report, letter from US Trustee department, and statement requesting XXXX Block. XXXX/XXXX/16 - Per phone call XXXX request denied, we issued a letter today. 
I cant get this off of my report, There is no court documented Bankruptcy, A police report, a supportive letter from the trustee department, my statement ... .. What more can I do? 
I Have to avoid any lender that checks Experian because my score is XXXX now and I cant secure the credit I need or even rent an apartment or buy a home due to Experian 's lack of compliance the basic laws.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2016-06-06
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Argon Credit (AL)

First off, this is a predatory lender offering quasi-payday loans. 

It has lied in its response to CFPB : " Let 's start from the beginning, borrower has not responded to a single call or email EVER. '' You never responded to my e-mails about Alabama usury law. Company only kept trying to debit a closed bank account, causing NSFs. 

" A loan was taken out in the amount of {$2000.00}, fully explained the rate and terms. '' A bald-faced lie! This was a bait and switch process. Terms only divulged when the loan was finalized. 

" Under Alabama Law, only loans under {$2000.00} are covered by usury. Our Alabama license allows Argon to charge the rate we choose depending on borrowers credit. '' I have a Phd in law. Please reread the law -- up to {$2000.00}. Of course, scammers know best. 

" Adding up all the payments borrower has made equals {$1900.00}, less than the initial balance. she has {$75.00} in unpaid NSF, and {$120.00} in unpaid late fees. '' Bald-faced liar, again. The principal of the loan has been paid. 

" Not sure how she believes this is paid off, even if we were to give her an 8 % rate she would owe more than {$2000.00}. '' What kind of interest rates are you offering? Usury and predatory interest rates. 


" Borrower HAS to contact us by EMAIL to resolve this, as the complaints to CFPB are not the solution. We have no problem working with borrower, we just need to talk to her. '' Consumer has engaged an attorney and will have my attorney contact you. What about violation of FCRA? There is definitely a violation?
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have been in contact with Experian on several occasions about an entry that I noticed that was listed on my credit file that was not mine, which was reported by a company by the name of XXXX, Account number XXXX. I have also contacted XXXX XXXX requesting proof baring my signature and a copy of a contractual agreement that I had with them to proof that this account was mine. I contacted both entities through the USPS certified return receipt, and I have proof that a party representing their agency signed for the letter that I sent to them. To this day, both XXXX XXXX and Experian have yet to provide me valid proof as required and mandated by the FDCRA, and are both in violation of the FDCRA. Both Experian and XXXX XXXX are reporting fraudulent information on my credit file attached to my social security number, which will hinder me from getting credit approvals from various financial sources, in the future, if this fraudulent information is left on my credit file. I am demanding that the fraudulent entry of XXXX be removed immediately from my credit file, seeing that both entities have surpassed it 's 30 day allowable timely response deadline as allowed by the FDCRA, and can not supply any valid proof that this account is mine, because I have never had an account with XXXX.
Consumer complaint received 2017-05-22
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: EQUIFAX, INC. (ME)

In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX  , more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated   XXXX   XXXX   XXXX  , the account first became delinquent on   XXXX   XXXX   XXXX  , although  one  credit file has the first delinquent date as   XXXX   XXXX  . Another credit file has the date of first delinquency as   XXXX   of  XXXX . I have attached copies of the credit bureau files for reference.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I disputed a collection account by XXXX XXXX XXXX XXXX and was told by Experian that the information was correct. I sent XXXX 2 letters, beginning in XXXX 2016, disputing the claim and demanding validation that the account in fact belonged to me. I received a response saying they received my letter, but I never received validation or agreement to remove it from my credit report. My understanding is that if they ca n't validate the account they must remove the information from my credit report.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CO)

I have requested to receive a credit report from Experian and was unable to do so online. I have gone into my bank where I have an active credit card and when they pull up my credit report through Experian, it says I am a minor when I am XXXX years old. I have tried to dispute this information from the credit score that I eventually received through the mail from Experian, but when I enter in the report number, it brings up nothing or says it is invalid. This is the report number that they issued me with my credit score. They also only provided me with my actual score, not a credit report/history. I am unable to dispute the wrong information that is saying I am a minor, which is also holding me back from being able to raise my current credit card limit, or obtain any new lines of credit.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NJ)

I am looking to move into a new apartment and I wanted to make sure that my credit score was ok. I noticed that it was very low and then went to Experian.com and paid for a credit report because when it went to get a free credit report, it said I had already requested XXXX for the year. I paid {$21.00} for said report and noticed that I had a tax lien on my report, which was an error. I contacted New York State, which is where this tax lien originated from and they investigated and sent me a vacate notice in the mail. I contacted Experian and told them I am disputing this item and they said this dispute will ( not maybe or can or might or may ) be resolved within XXXX days. I called them back and asked if there was a way to expedite said dispute processing and they said if I make a copy of the vacate notice and upload it to them, the dispute would be resolved within 5 business days. I did this on Saturday, albeit with difficulties. I am a XXXX on large mainframe and pc networks. I made a black and white scanned tiff file, as per their website requirements. Each time I went to upload this file, their website stated that the file was in color. After XXXX hours of trying ( because of timeouts on their website and having too many re-tries ), I converted the tiff file to a pdf. I was then able to upload the file.I called this morning, XXXX XXXX, 2015 to inquire if they had even received my file upload and the person who I spoke to said that they can not see if the file was uploaded or not because that is taken care of by another department. I explained my difficulty in uploading the file and I wanted to be sure that the pdf file I uploaded on Saturday was successful and I asked to speak to that department which takes care of the file upload process. I was informed that I can not speak to them with no reason given. I was also told that the dispute " may '' be expedited but there is no way of knowing. I told him that the person who I spoke to previously, on Friday, was pretty definitive that if I scanned this document and uploaded it, my dispute would be expedited. I then asked to speak to a supervisor and was placed on hold. After the hold, I was told that the supervisor would not speak to me but if I provide a phone number, she may call me back. At this time, I ended the call. After looking at my bank statement I noticed I had been charged {$39.00} for Experian.com services. I remember that I clicked on a button which stated, click here if you want your credit score from other credit bureaus and I did. At no time was there an indication that I would be charged for this.
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

Approximately on or about XX/XX/2016 I filed a dispute with Experian who failed to due a proper investigations because they limit the amount you can write in order to prompt and investigation. These are the following issues I have : Personal Information I have filed a dispute regarding the name XXXX XXXX XXXX. I have never gone by this name nor have I ever submitted a credit application for this name. I am requesting that this inaccurate name be removed from my credit report but Experian reported that it was accurate and that a credit agency reported this name. 
Credit Accounts XXXX recently in error reported me 30 days past due. I spoke with XXXX on XX/XX/2016 in regard to the error on my report. When I asked then to change the error I was informed by the collection rep that they can not change credit report errors and that only the credit bureaus had the authority to do that. I was instructed to file a dispute which would prompt XXXX to change my report. I filed a dispute as instructed but Experian just called to verify information instead investigating the phone conversation with the rep.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK (AZ)

I opened an account with First Bank. I opened initially with a direct deposit of usd XXXX to learn how this bank operates. i found that this bank is not transparent how they handle the overdrafts/direct deposit. My direct deposits should be on the XXXX & XXXX and in some cases 2 days prior is in the system. However, when i had a pending transaction the bank only credit my direct deposit after they processes the overdraft charges. This happens several times, I received direct deposit in XXXX banks and when my money was available with the other bank, First Bank did n't put the money in my account, until they charged the overdraft. 
When i was overdraft i asked them to send me an email so in that case i can go to the bank but they were n't consistent .in some cases they sent a note via mail. The post mail is not actomatic and can take couple of days. However, I received several days after. 
Last thing that I found was ... .they deactivated my card without calling/sending via mail or email a note. I had a balance of XXXX in XXXX/XXXX and Usd XXXX in XXXX and a payment of XXXX should be paid in XXXX/XXXX. The company sent me a letter telling me that because the payment did n't go through they will cancel the warranty. They do n't follow any rules or regulation that the banks need to follow. I felt treated unfair as a customer.
Consumer complaint received 2016-07-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide 2 forms of identification and that at least 1 of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with XXXX or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the XXXX I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for ACE cash express I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP (MA)

I sent US Bank two letters, providing evidence that their claim that the signatures matched did not have merit and asked US Bank for proof of indebtedness - proof I applied for or accepted a card offer, US bank responded with a letter dated XX/XX/2017 stating : Transactions claimed as fraud were transacted by cardmember.
Consumer complaint received 2016-12-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (AZ)

On XX/XX/2013 I suffered a XXXX from a XXXX injury I recieved while at work. For the first few months I was able to make my house payment until XXXX XXXX stop ( was at that time fighting them XXXX and waiting for Social Security XXXX to start and fell behind XXXX XXXX months. I was excepted to the XXXX Our Home XXXX Program through the State of XXXX Department XXXX XXXX and a deal was make with US Bank Mortgage. The deal was that during the program all payment would be made and the XXXX XXXX months due would be brought current at the end of the program. Long story short, I made all my payment on time as instructed through the program and graduated at which time everthing was brought current. Durring the time in the program, US Bank Mortgage reported all payments as late pays on all of my credit Bureaus.I have asked them to reverse this due to the fact that was in the program and made all my payments on time as agreed to with the deal that they have made with the XXXX XXXX XXXX XXXX XXXX and they refuse to do so. Please help me in this matter.
Consumer complaint received 2015-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AL)

Since I refinanced my mortgage to US Bank I have been notified of past due money over and over. They claim to send me increases and monthly notices but I never get them. They tell me to check my online account but it has not let me login to the account for and they do n't address this needs fixed. Now they are claiming I owe over {$600.00} in payments because of an increase that I was not notified about. I 've written them and called them and they just keep going on. Now they have put this on my credit report and ignore my letters. Reviews on XXXX and Consumer affairs website says that XXXX other mortgage holders have had the same thing done to them. Claimed notices of increases not received so the first thing you know is your in default and have to pay or else. I have not received the notices, I have not received the monthly statements, I have not received the required by law and ask for help. I asked them to send notices certified ( as I send all my letters to them ) but they do not respond. It 's time for the US Government to step in, investigate the claims of hundreds of people that have the same issue with US Bank Mortgage handling and stop the false claims, fraud and abuse.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (MD)

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
Did not receive it. 
May I have a copy of my online application filled out online to get this credit card?
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Experian will not remove the account # XXXX ( XXXX ) off my credit report as I have disputed this account a number of times. There is a mistake here and I need it corrected. Please have team to prove PROOF of the debt as it has impacting my credit score and causing high interest rates.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

Experian sent me a notice saying that my address had been altered on my credit report, based on information supplied by a creditor. This was erroneous info. When I checked my report I found that I was " also known as '' variations of my name that I have never used. I complained, and Experian corrected my report, but e-mailed me a report that has a " variation '' of my SS # recorded, which I also have never used. I think it is a great wrong and misuse of power for credit reporting companies to accept false or mistaken info from creditors, some of whom the consumer may not want looking at his report because he does not desire to do business with them.
Consumer complaint received 2015-11-03
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: U.S. BANCORP (MI)

I had earned a visa rewards card from a credit card I have. The rewards card was issued for {$50.00}. When I called to activate the card, they advised that the cards value was now {$47.00}. I tried to used the card at a restaurant and it was denied. I contacted the credit card who issued the visa rewards card and they had no clue as to why it was denied. I then was shopping and decided to try using the card again. The first time it was swiped, it came back declined. The salesperson tried swiping again and it indicated that I had {$42.00} on the card. We did go ahead and use the card. For a {$50.00} reward I was 'shorted ' {$7.00}. ( I was going contact visa regarding the first denial, however, when I called the number, I was advised there would be a fee for talking to them - needless to say, I immediately hung up rather than further decrease the card value. ''
Consumer complaint received 2016-05-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc (MD)

I just check my credit report and found the surprise that have XXXX accounts in collection and none of them belongs to myself! ; XXXX of them it comes from the same collector : UNITED CONSUMERS and the other XXXX is from XXXX .. base on what I read on my XXXX report ( # XXXX ) they have received accounts under the name XXXX XXXX and my name is XXXX XXXX XXXX XXXX I really appreciate any help that you guys can provided me due its unbelievable that my credit is so low and damaged due a huge mistake from the creditors. Thanks in advance!