davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I have been fighting with XXXX for 2 years to remove this unverified debt from my credit profile. Attached, XXXX have also asked XXXX to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap
Consumer complaint received 2016-01-24
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (DE)

I opened a credit card with XXXX issued by Barclay 's cards XXXX after seeing a promotion from XXXX that if I will spend {$500.00} or more within 90 days I will receive XXXX miles as reward in my credit card. I applied for my credit card in XXXX XXXX and spent more than {$500.00} in XXXX XXXX ( statement is attached for you reference ). Till today ( XXXX/XXXX/XXXX ) I have not received any miles in my card. 
I made numbers of calls to XXXX customer care as well as Barclay 's card. I called Barclays in XXXX XXXX to inquire about the earned miles ; they said it will credit in month of XXXX, XXXX after a billing cycle. Again I called to Barclays for this issue in first week of XXXX, XXXX. They said that XXXX has given wrong member id because of which miles not has been showing my fly XXXX Member # : XXXX which case number from Barclays were XXXX and mentioned that it will transfer in 10 business days. After this all communications my miles has been not transfer to correct XXXX Member # : XXXX numbers. 
I again called to both companies in the month of XXXX XXXX. They said that they are investigating the issue and it will take another one month for transferring these miles. After 4 months, after all this call on XXXX/XXXX/XXXX XXXX just provided complaint number XXXX. They said it will be resolved within 10 business days. Today ( XXXX/XXXX/XXXX ) again I called them and still they are saying it will take time as they are investigating the issue. I am highly frustrated with this disservice by XXXX and Barclay and feel I have been cheated. I want escalate this issue and want solution for this problem. 
My fly XXXX Member # : XXXX. Please help me. 
Barclays card number XXXX
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I receive credit monitoring free of charge from my bank. In reviewing my credit score, Experian lists reasons that help and hurt your credit score. While reviewing the reasons, I noticed that two of the reasons that help my score are also factors that hurt my score ( please see enclosed document. ) Given there is conflicting information, how is one to improve their score? This is confusing and can lead the consumer to make decisions that can negatively affect their score, while intending to improve their score. 
This seems very deceptive and unethical. 
Please help.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Experian is in violation of FCRA, and has FAILED to provide PROOF for it 's actions. 

According to the Fair Credit Reporting Act, credit grantors with a 'permissible purpose ' may inquire about credit information. 

The credit report by Experian contains a section of " Requests for credit history inquires shared with others '' which has the name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT AUTHORISATION or PERMISSIBLE PURPOSE:1. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXAs one can see, the Comments Section for these inquiries state " Unspecified. This inquiry is scheduled to continue on record un- til XXXX 2016. '' Even though, neither does the mentioned companies or Experian have the permission to do so. 
Experian needs to explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

Experien failed to investigate. Had they did a proper investigation they would have realized XXXX XXXX XXXX had broken multiple laws. Instead they chose a short cut three times and updated what public records has stated. This is not a joke, it 's my life, my way of living, providing for my daughter 's and I expect to be treated fairly. Third dispute and they update a foreclosure. These workers are not doing full investigations, they need to understand steps and procedures to follow when a creditor, lender breaks the law. I like to know I would be protected, instead i feel im being treated unfair and onesided.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (CO)

I wanted to see my credit report before I went out and applied for an apartment. Upon requesting my information from the XXXX bureaus in Annual Credit Report and Credit Karma I could not get passed the verification stage. Apparently, the information I provided is wrong and I have a home loan from XX/XX/XXXX, a credit card from XX/XX/XXXX, and a debit card that is not the one I have in my wallet, which is the only debit card I have ever had and I got it in XX/XX/XXXX. I do recall losing my wallet in XX/XX/XXXX in the back of a truck that I have n't seen since that day. I replaced my I.D . the next day assuming that the guy could n't have done anything in a night, plus I was XXXX.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. Thank you.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NH)

I 've had nothing but poor service. I get statements that are incorrect, I get statements that ca n't be deciphered, I get undocumented phone calls and requests that never go through. I 've been put in delinquency twice after being told twice over 5 months that my forebearance while my new payment plan is being approved would go through. I 've requested forebearance during this time over the phone and email. I 've been told my public forgiveness did n't count for a year because of cents being miscalculated in my payment while nobody told me. I 've been through the ringer so many times that a customer care agent was assigned to me who never responded after about a month. I 've complained so many times without even a response. I 've tried Ombundsman without any success. This company is completely incompetent at everything they do and I do n't trust them one bit with my money. The communication is terrible at best, the responses are even worse, and the amount of mistakes they make that can lead to severe financial problems is astounding. The fact this company still runs is amazing to me. I 've requested several times to have my money transferred to a different servicer without any luck which is fundamentally absurd. I can go on and on and on. I want something to be done!
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC (CO)

I purchased a home in XXXX and in XXXX I was having issues paying my mortgage due to an injury and they set me up on a trial modification program. I made the three months payments and was waiting to hear from them on what the next step was. In the meantime, I decided to sell my home. I received a statement of account from XXXX indicating that I owed {$150000.00} on XXXX XXXX, XXXX. I sold my home on XXXX XXXX, XXXX. The end of XXXX the loan was acquired by Fay Servicing. Myself and the title company handling the closing of my sale had issues getting a payoff from Fay Serviving and on the morning of the closing they finally sent over a payoff of {$200000.00} ( without an explanation as to why the amount was so high. I had no choice but to continue with the sale and closing. I had already rented an apartment and moved and the new buyers were moving into the home that day. I have tired to obtain a a statement of account to explain the difference of {$47000.00} from Fay Servicing and I have never received anything. I am told that it will be sent to me. I have even received letters from them saying that I am behind on my mortgage and they can assist me. This loan was paid off in XXXX, XXXX. I need some assistance in getting this money refunded to me. I recently learned about CFPB and was hoping you can help me with getting the money refunded. I am not able to afford an attorney to file a lawsuit against them.
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

The credit reporting agency is making it extremely difficult for me to submit my police report for identity theft. They keep releasing my credit report without my permission, yet they require my id for disputes. It makes no sense. There are numerous inquiries that are unauthorized and accounts that are n't mine. They are also reporting an address that does n't belong to me and they refuse to update my report. They tell me I need to upload my documents, then they do n't allow me to upload my documents. They refuse to let me dispute illegal inquiries and an address that does n't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - is not my address and never has been. These accounts are not mine Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute cart Show more Account name UNIVERSITY OF XXXX Account number XXXX .... 
Recent balance {$3500.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request XXXX/XXXX/XXXX
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you
Consumer complaint received 2017-03-13
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 someone stole and used my personal information to open a fraudulent and unauthorized XXXX checking and savings account : XXXX, that do n't belong to me. I have never had or opened a XXXX checking account. I have attached a police report and other documents to this complaint.
Consumer complaint received 2015-08-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed.
Consumer complaint received 2016-01-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I would like my information on my credit reports to be verified and removed that are inaccurate because Florida is the capital in the world for identity theft I was a victim so I want proof it was me I asked the  XXXX  different credit bureau to verified my inaccurate information they just issue a fuard alert
Consumer complaint received 2017-02-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect (WI)

I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (KY)

I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.
Consumer complaint received 2016-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions ()

Rent recovery services on behalf of XXXX XXXX XXXX Texas. I was ill and had to return to XXXX to hospital in XXXX XXXX - still attending XXXX XXXX! There was about 6 weeks left on my lease which ended XXXX XXXX. I was given no option for return of full XXXX bed flat of furniture incl XXXX inch TV, art work etc. I owe approx XXXX in rent although XXXX advised me that they had changed locks on door, and no access to get belongings, when I let them know I was in hospital in XXXX ie before end of lease. 

This debt has been reported by rent recovery services, a collections agency on behalf of XXXX for the amount of {$4200.00} to the credit agencies, more than 100 % interest in 8 months!!!!!!! They are ensuring that this bill will rise exorbitantly month by month so can not be repaid. 

Also the value of my goods were more than {$2000.00} ( the bill ) and I was never given any option to recoup them.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (VA)

On XX/XX/2016 I purchased a couch from XXXX, and on XX/XX/2016 the couch was returned. The couch contains 90 % polyurethane foam which contains XXXX toxic chemicals, and I am extremely allergic to the couch. 

I contacted discover regarding the situation, and discover provided me with credits. On XX/XX/XXXX Disc. Reversed the credits stating they had contacted the vendor, but the vender never responded to Disc. I provided Disc. With a copy of the email from XXXX stating they would refund the money, and still nothing. 

So now I have no couch, and I am out {$2000.00}.
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (VA)

I asked Discover to issue me a new credit card so that XXXX could n't find me to charge an annual recurring charge of {$59.00} for an account that was set up by my minor child without my consent. XXXX was not helpful when I called and kept asking for information I did n't know because I did n't set up the account. Discover issued me a new card with a new number and promised me that XXXX would not find me. The next year ( in XXXX ) the XXXX charge showed up on my new card! I have been disputing this since XXXX XXXX and talked to numerous people. In the end ( after disputing and removing XXXX different times ), Discover made me pay the {$59.00} XXXX charge AND XXXX cancelled the account. The last time I called, the agent conferenced in XXXX and witnessed how difficult XXXX is to deal with and that it was impossible to resolve without knowing certain information about the account ( tag number or something like that ). So here are XXXX giant companies who no longer have the ability to provide customer service to XXXX small customer.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (FL)

I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. 
As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. 
I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. 
My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes
Consumer complaint received 2016-04-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK (NY)

I AM SUBMITTING A COMPLAINT ABOUT DISCOVER BANK ONLINE. 
THEY DO NOT REQUEST ANY FORM OF ID TO OPEN A BANK ACCOUNT WITH WITH THEM AND SOMEONE FRAUDULANTLY OPENED A BANK IN MY NAME AND STARTING WRITING OUT FRAUDULANT CHECKS AND BOUNCING THEM. THEY SHOULD REQUIRE A LICENSE AND A UTILITY B BILL BEFORE OPENING ANY ACCOUNTS AND THIS WOULD NOT HAVE HAPPENED. THEY EVEN HAD THE WRONG MIDDLE INITIAL
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (MI)

i did a modification on my loan and was lied to saying i was getting a % reduced and a term extension. And a few years later when i wanted to sell my house Seterus ( who have a one star rating out of 5 ) they added {$48000.00} to my loan??? They never said anything on the phone about that at all??? And they say i signed for it that way. but, every time i ask them to send me the full contract for my lawyer to look at they do n't? Everybody i talk to that is in mortgage business never NEVER! heard of such thing. and when i get all my statements per via email its shows what i should owe on the house. never shows the amount with the extra {$48000.00}. weird. shows i owe {$100000.00} but when i call them they say i owe {$140000.00}
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

XXXX rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.