davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am victim of identity theft. Someone stole my personal information and identity. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. All the inquiries on my credit report are all unauthorized and fraudulent inquiries.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NH)

4 yrs ago I got divorced and my former wife left our condo and all contents to me, according to the decree. After contacting my mortgage company about not being able to pay my mortgage on time, they worked with me and allowed me to do a loan modification, which essentially cut my payment in half. To this day my former wife is on the mortgage. The lender, US Bank, never alerted me of a form with which to remove my former wife, known as an assumption. During the process I informed US Bank of my situation repeatedly but for some reason they did n't lead me down the road of the assumption paperwork. Now here I am 3.5 yrs later and they want me to submit financial documents as if I am applying for a loan for the first time, which of course is what I did 4 yrs ago. At that time my financials were the only ones submitted. I have been paying off the mortgage on my own, of course. I strongly believe that this all should have been taken care of 3.5 yrs ago. I believe that they are going to try and charge me 1 % of my principal balance ... .Can you help me to understand this issue because it sure seems like US Bank is in the wrong here? All I am trying to do is have my former wife taken off the mortgage ... ..
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (CA)

US Bank decided to significantly change the benefits of their XXXX XXXX card while I was out of the country. At the same time my annual fee was due and autopayed. I called in and was told by a customer service representative that because of the benefits change I could cancel my card and get a refund for the annual fee that was paid. I waited a few months but I never received a refund. I then called back and spoke to them again and they said they would look into it, but they denied my request. 

I was also told by the customer service representative that they would be eliminating the anniversary bonus of XXXX bonus points as well. It turns out that was a lie and they were not eliminating the anniversary bonus, so I did n't even get the bonus points for paying the fee because I was lied to.
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (CA)

I am requesting assistance the assistance in regards to a background check was performed on  XXXX   XXXX    XXXX   b y Checkr Inc. on  behalf of  XXXX   XXXX   XXXX . The background che ck by Checkr Inc. le ad to my  XXXX  driver account being placed on hold after being a  XXXX  for 10 months and being in compliance of California  Assembly Bill No.1  XXXX   XXXX   XXXX  . Checkr has be en informed that information they are providing my employer/partner with inaccurate or incorrect information and have been ask to correct the issue. Numerous emails have gone answered and my phone call has been stonewalled with basically both companies pointing the finger at each other.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal Closed My Account For No Reason and will not help with getting it back up and going. i am not sure if this is a mistake as i assume it has to be. i have not been able to get help from them, i just understand i could file a report on here as i find they are not doing their job properly and it is effecting me great deal as i used paypal quite frequently my email linked to my paypal is XXXX XXXX
Consumer complaint received 2017-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

In  XXXX , I started a loan forgiveness program with  XXXX   XXXX   XXXX  who has been great at handling everything. They work w ith FedLoan Se rvices to allow me to have income driven payments for 10 years and the remaining balance to be forgiven.   Last year, I received a payment of {$14.00} per month compared to my normal monthly payments of {$350.00}. Wow, that was great. It was what the program promised. I receive communication from   XXXX   XXXX   XXXX   that my payment calculation was wrong, but the company would allow me to pay the {$14.00} each month instead of the $ 20ish dollars it was supposed to be.   This year, we resubmitted my tax information f or FedLoan Services t o calculate my new payment Starting  XXXX   XXXX . I received a letter, bill and an email ( dated  XXXX   XXXX  ) saying that my new payment was {$0.00}. Wow, I thought that was even better. I was excited!     On  XXXX   XXXX , I get a letter and a bill that states my n ew Income Driven Pay ment is {$70.00}. WHAT? I called immediately because that was a huge jump from the year before and it certainly was n't {$0.00}. I talked to the person with badge #  XXXX . They were no help. All they could tell me was that there was a mistake made and this would be my new payment. I asked some questions about how these mistakes keep happening, but this is my new payment.     I then called   XXXX   XXXX   XXXX   and they said that they received information from FedLoan that there was an error and that {$70.00} is my new payment.     I am not happy and I do n't understand how they can mess up continuously like this. I wonder if they actually even look at the information provide or if they just pick a number.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (MN)

Defamation of Character, False Credit Reporting - I have been trying to resolve this with the Chase customer service team with no luck and very poor/rude customer service from one particular representative XXXX XXXX. He was not helpful in anyway and one of the most rude representatives I have ever interacted with in my life, why he is working for Chase is beyond me. If he worked for my company he would be fired. Every other representative was helpful and understanding. I have had a great experience with Chase until now and had XXXX credit cards with you for which I was forced to close all of them yesterday because they would not resolve removing a 30 day late off my credit reports that is reported incorrectly on my credit bureaus. I opened a XXXX credit card, made one purchase and never received any physical statements. They agreed at the time with the mistake and credited the account late fee. They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this could be considered defamation of character since I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts and because of their behavior I closed all my accounts with Chase. They are very difficult but this is just wrong. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so corrupt and open to ruin peoples credit? This pertains to account number ending in XXXX. Thank youI am reporting this to every agency I can to take action. Many have been notified in the last day XXXX, FTC, Consumer Finance.gov, Fair Credit Reporting Act, etc. This needs to be removed from my credit ... ... ... 



I will contact all of executive management of Chase with regard to this. 



XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXXXXXX
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (GA)

I had moved to another city XXXX XXXX - XXXX XXXX with minimum U.S Bank branches. I had called to close my bank account with U.S Bank. The Bank continued to charge my account with bank charges and overdrew my account and sent my account to collections for {$80.00} even when my account had been fraudulently used.
Consumer complaint received 2015-11-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (TX)

Purchased a vehicle in XXXX Texas. The dealer uses US Bank as XXXX of theirnew car loan lenders. I never received a welcome package so to speak with my account number and where to send payments. I actually had to go back to the dealer and ask the finance department to get the info I needed to make a payment which was due in five days. A 30 day time frame from the original purchase. Since I have an account with XXXX, that monitors my credit, I got an alert as to the new purchase and wanting to know if I had originated the loan or not. During the set up of my account on US Bank website, it was noted that my address was incorrect, my name was spelled wrong twice, giving me XXXX new aliases and a new address that I never lived at reported to all XXXX credit bureaus. After contacting US Bank customer service, their reply to my situationwas to give me phone numbers to the credit bureaus, which I could call to dispute the erroneous information, which they caused and created due to complete carelessness on their part. I just wish I had another XXXX of moving this loan to someone who cares about customer service. 
XXXX
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (NJ)

I used to have Fidelity amex card since XX/XX/XXXX which was switched to a Visa card in XX/XX/XXXX. I used to get a confirmation number when I paid my bill online prior to the switch. Now I am not provided with a confirmation number and the bank says that 's the way it is. This is only online payment that does not provide a confirmation number
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my consumer file # XXXX as of XXXX XXXX, XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Thursday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. She also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I demand that this public record Wage Earner Plan/Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax so-called " verification '' on XXXX XXXX, XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE IN PLACE DATED XXXX/XXXX/XXXX. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Wage Earner Plan # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record : Wage Earner Plan/Bankruptcy # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX XXXX agents assured me that Equifax 's XXXX XXXX, XXXX " reported date '' and " verification date '' DID NOT come from Lexis Nexis because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
_______________________________________
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

Experian is reporting Collection accounts from XXXX ( a Debt buying company ) These accounts are from a XXXX hospital I have never been. 
Also the COLLECTION ACCOUNT values are at XXXX balance. It is unlawful to report a collection that has no value
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I got a Citibank best buy credit card to make a computer purchase in XXXXXXXX XXXX XXXX Every month since, I am being over charged on interest. Purchase amount was {$2500.00} and I did not take the XXXX XXXX  offer on interest free payments. XX/XX/XXXX, interest charged was XXXX payments made up to that date was XXXX an XXXX and XXXX payment. XXXX I was randomly charged XXXX and XXXX on XX/XX/XXXX and have been unable to dispute it unless I claim my card was stolen and get a new one. XX/XX/XXXX I paid XXXXXXXX XXXX XXXX XXXXXXXX of that was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. Now XXXX is here and I have to be robbed by these fraudulent crooks again. I called in XXXX and XXXX and talked in detail about this issue. XXXX XXXX later and they have sent nothing in communications let alone tried fixing the overcharge of interest and the added charge oXXXX XXXX XXXX and change.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

IM sick and tired of trying to get a credit report that has everything on it. not like some of the services they sell. i want to pay {$12.00} for my credit report, but they cant verify my info. they say i have to mail them all kinds of proof of ID. YET I CAN SIGN UP FOR 1 OF THEIR MONTHLY FEE BASED CREDIT MONITORING NO PROBLEM. NO MAIL. .JUST GIVE US YOUR CC # AND YOU 'VE GOT OUR CREDIT WATCH FOR {$20.00} A MONTH.. THIS SHOULD BE ILLEGAL. THEY REFUSE YOU YOUR REAL REPORT BUT OK YOU FOR THEIR MONTHLY SERVICES WITH CREDIT REPORT AND CREDIT SCORES. THESE ARE THE SAME PEOPLE WHO CONTROL OUR CREDIT AND LIVES. THEY CONTROL OUR CREDIT AND THEN ARE ALLOWED TO MAKE PROFIT ON THE SIDE. THAT SEEMS LIKE A CONFLICT OF INTEREST TO ME. COULDNT THEY BLACKLIST ME FOR COMPLAINING OR NOT LOOK AT MY DISPUTES OR ANYTHING. AND ILL PROBABLY RECEIVE BACKLASH OR PAYBACK FROM THEM, BECAUSE THEY 'RE ABOVE THE LAW. THE GOV NEVER DOES A THING IVE MADE COMPLAINTS BEFORE, WHOSE LOOKING OUT FOR THE CONSUMER. GOOD OLE USA XXXX THE PEOPLE IN FAVOR OF CORPORATIONS. AND IM A XXXX VETERAN. YOU CANT DISPUTE ITEMS FROM THEIR MONTHLY SERVICE. ALL I WANTED TO DO IS PAY {$12.00} TO SEE MY REPORT FROM EXPERIAN SO I COULD DISPUTE SOME ITEMS, BUT THEY ARE ALWAYS PUSHING ME TO SIGN UP FOR THEIR SERVICES CREDIT MONITORING XXXX. I THINK I HAVE A GOOD LAWSUIT. THE CRA 'S REFUSING YOU YOUR CREDIT REPORT. BUT OFFERING A SORT OF FAKE REPORT FOR LIKE {$24.00} A MONTH THAT DOES NOT HAVE ALL THE INFO OF THE OFFICIAL ONE. THERE NOT WORRIED ABOUT FRAUD WITH MONTHLY SERVICE, GET REPORT FROM ALL XXXX CRA 'S IN A SEC. BUT NEED TO DISPUTE. COULD TAKE MONTHS OF ID CHECKS TO GET REPORT. I THINK ILL TALK TO AN ATTORNEY.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MA)

I am file a complaint against Experian credit report. Because I have submit multiple disputes with this company XXXX for reporting on my credit report. Experian did not do the proper investigation. When I called to what information they had gather to verify the error. I was told by the Experian rep that XXXX stated it was reporting correct. I asked where is the proof and none was giving to me. I did not have XXXX XXXX account. I file a complaint with fcc and XXXX on this XXXX XXXX matter and submit this Experian and they where no help on this issue. I am able provider my supporting document but but Experian and XXXX wont provide me the supporting showing that this is a valid account. I am looking for this to be investigate the right way and remove from my credit file
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

I have reached the underwriting portion of obtaining a mortgage loan. My credit report was pulled from the XXXX credit bureaus. However, there is a discrepancy regarding my legal name with the credit bureaus. XXXX, XXXX lists my legal name correctly. Experian made my middle name into my last name and my last name into my middle name. My last name is just one letter. It 's an unusual last name. Experian refuses to change my name to reflect my legal name stating that their system can not accommodate one letter last names. Because of name discrepancy, the mortgage company has to disregard my Experian score and weigh heavily on my XXXX and XXXX. My XXXX score is currently XXXX. XXXX is XXXX and Experian is XXXX. I can not qualify for the loan program that I was trying to obtain. This is quite unfair. If both XXXX and XXXX can show my legal name correctly why ca n't Experian do the same. This is costing me extra money.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OR)

There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX ) can never seem to find in their system. I want to close it but they are no help at all.