davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing or my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Experian at least 5 times in 2016. I believe the Experian Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid many all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX Collections to aid them in continuing to report inaccurate information. This data was used against me with out my consent.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TN)

I mailed my correct name and address to Experian in XXXX. I gave them proof of address and my social security card and drivers license copies. I even gave them a call in the beginning of XXXX and they have not changed the wrong information on my credit report.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CT)

I am trying to get a mortgage for a new home, I sent a letter to Experian over 45 days ago and I still have n't heard anything back from them!! I am really XXXX by this, I need to move as soon as possible. And I do n't have time to sit and wait for them. My main concerns have been addressed in the letter I have attached!
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

Hello I have asked Experian on XXXX different time to investigate the FRCA 609 FEDERAL LAW act in which clearly states that me the consumer have the right to asked them to provide me a copy of my original signature and documents on XXXX different accounts they have failed to provide me with any of the accounts they keep sending back to me its been verify I have yet to see anything. right now they are in violation of the fcra section 609 / 616 and 617 fcra act! I wanted to file a complaint XXXX One bank XXXX XXXX XXXX XXXX XXXX XXXX ALSO ALL credit inquires that
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (WA)

XXXX is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. XXXX nor XXXX nor Experian are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

XXXX addresses are not mine : Address : XXXX XXXX XXXX, NY XXXXXXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXXXXXXThe above address was where my ex-wife ran away with the man she had an affair with after our divorce. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is my employment business address, not a single family home
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

was opened on XXXX XXXX XXXX and closed in XXXX XXXX XXXX by XXXX credit card. This account was defaulted and was reported to IRS which i have paid off through my Tax filling. Now even though the account is closed and resolved. This account has continued to show on my record. This account should be removed from my record entirely.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Experian is reporting a collection on my credit report with XXXX that should not be on my report. Account Number XXXX should not be on there as the other XXXX bureaus deleted them from my credit report. I have contacted XXXX that the {$590.00} that they are claiming that I owe XXXX has not been validated by the FDCPA.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

Submitted a dispute with Experian. They immediately respond that debt XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX2011 indicated the debt is mine. I viewed who the collecter is collecting a debt for and I never attended the school. So to fraudulently hold me for a debt I am not liable for is outrageous. They have had this fraudulent debt on my credit report since 2011 and requesting that it immediately be removed.
Consumer complaint received 2016-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND XXXX AND XXXX AND PROBALY EXPERIAN STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

was trying to utilize the free credit report for the 7 days and you are suppose to cancel within the 7 days and this company want your entire credit card number and they do n't want to look the account up with the member ID number which they assign to various accounts in order to know which account holder they are talking to on the phone XXXX and once you cancel the membership they are suppose to send you a cancelation number which they send to your email this company fails to honor there advertisement.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NE)

I initiated a dispute with Experian, XXXX and XXXX on XXXX regarding inaccurate information reported on XXXX of my student loan accounts. As of XX/XX/XXXX the information had still not been updated despite the fact that the creditor had updated my accounts and sent out updates. On XX/XX/XXXX I requested cancellation of the disputes with all XXXX bureaus and sent documentation from the creditors directly to XXXX and XXXX in an attempt to have my file updated in order to be approved for a home loan. I was not able to do so for Experian. I spent over 90 minutes on hold, explaining the situation again and again, I was transferred 5 times and told my only options were to upload documents to the website or to mail the documents. The website was not working and no one would help to resolve the issue. I attempted to upload in pdf, with a file size of XXXX, which per the websites instructions was perfectly reasonable. I attempted XXXX different browsers on XXXX computers, I renamed the files, I tried to scan the pages individually. Nothing worked. Not a single representative with Experian provided me with a phone number, an email address, a name or anything else to assist me in sending these documents. The accounts in question should never have been reported as delinquent and are preventing my husband and I from making an offer on a home as we can not obtain a pre-approval. I am beyond furious that on top of being penalized and having my FICO driven down by erroneous late payments ( 3 years of late payments being recorded while these loans were included with a bankruptcy by the co-borrower on the account, not even me! ) and now I can not even update the credit file in order to obtain a home loan and not a single person with Experian lifted a finger to try to help me in resolving this quickly. It had already dragged on for more than 2 weeks. I am quite sure there are other secure methods for sending information, or someone within the company who could have assisted. Further, if their website is n't going to work then someone should be taking responsibility for ensuring there is either an alternative method that can be used besides mail ( seriously, you want me to wait ANOTHER 7-10 business days on top of the 10 I 've already waited because YOUR website is n't working?????!!!! ) to send information securely. As it is, we will likely lose the home we are trying to make an offer on due to mistakes that are not mine because no one was willing to help me.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Set up a automatic payment program with XXXX. Made no changes on my part. Mid stream the changed. It appears they used an outside source - caller ID not provided - first question is my full SS. Communications broke down on their change. Repeatedly told them to take payment. They did no, .have contacted bank to no avail. The impact is a XXXX point problem on my credit rating. Never changed anything on my part Same accounts to withdraw from. I seem to be caught in a procedural issue.
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wellmont Health System (TN)

i had a procedure done at XXXX XXXX in XXXX, tn. It was a referral from providence free medical clinic in XXXX. They asssured me I would not be billed. I forgot about it, now months later, I receive a message on my phone to call a # about an acct. #. I call and it is a collection agency from XXXX stating I owe {$180.00}. She stated that they sent me letters to an old address. I never received XXXX phone call from XXXX about this supposed bill. They just sent letters I never got and then sent it to collections without personally talking with me. This is fraud. XXXX medical payed this bill. I was not supposed to be charged. Yet, they did not even have the decency to call me about it and they had my phone #. This is wrong. These hospitals are sending bills to collection after no one responds to a letter, but they are not calling the person, to make sure the address is correct. If I had not had my phone # still operating, this would have went on my credit and it would have been months or years before I knew it. These people at XXXX are evil and they need to be held accountable for fraud. They need to have procedures that make them call an individual before sending to collections.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MA)

I tried to get my annual credit report from XXXX, but all it said after I filled in my information was the vague : " A condition exists that prevents Experian from being able to accept your request at this time. '' A web search shows that a number of other people have encountered this as well. I 'm not sure whether I should even bother trying phone or mail, since the error message does n't say whether the error is temporary. 

I also tried to contact them on their contact form, and that was difficult since their form rejects line breaks and most punctuation, then kicks you out after XXXX tries!
Consumer complaint received 2015-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have XXXX complaints. XXXX lowered my credit limit on both accounts from {$5700.00} and {$4500.00} to {$2300.00} and {$1900.00} based upon incorrect credit usage from XXXX. This caused affected my Fico score. It appeared has my credit usage was higher based on XXXX lowering my credit limit. XXXX XXXX XXXX and XXXX is showing higher credit usage by XXXX each. I have disputed with Experian.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (CA)

I signed up for a XXXXXXXXday trial of Experian 's credit tracker product. When I created an account, it asked for my mother 's maiden name. After I registered, it now displays the maiden name on my account page. I am concerned this is not secure because both my XXXX and XXXX accounts were hacked. If someone hacks into my account, they will get my mother 's maiden name. I raised this with Experian and they said they would pass the feedback along, but said there is nothing they can do about it.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

1.There is a collections account on my Experian credit report that appears twice but listed under to different collection agency names. Experian claims that its not reporting on my report but that information is false. Company is XXXX with a balance of {$700.00}, XXXX, XXXX XXXX MO XXXX. The other reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX with a balance of {$700.00} This inforation should not be reporting on my report information is not accurate. 
2. Collection recors with XXXX is not correct those bills were paid in full, comcast will not provide service if you owe a outstanding balance. These items should be removed 3.XXXX XXXX bank is reporting my late payments never late with payments. 
4. XXXX reports account in collection, this company filed a judement but never showed up in court to verify account, this item should be deleted from report.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2015 my wife and I were alerted by a Chase alert that we had a very low balance in our checking account. On calling back, a Chase representativeinformed us that Chase had already advanced us money to pay off these checks. The account was frozen. On going to a Chase branch on XXXX XXXX, 2015 we reviewed our account with the rep and noticed, besides the XXXX checks where someone fraudulently signed my name to people I do not know, a telephone transfer was made on XXXX XXXX which removed the money from the savings account and transferred the funds to our checking account. Neither my wife nor I authorized the transfer nor were we aware that the transfer occurred. The rep investigated further and found that the only information provided, which allowed the transfer to occur, were the routing and checking account numbers and our names. We are submitting this claim against Chase for allowing XXXX fraudulent checks to be cashed and a telephone transfer to occur without asking any security questions which my wife and I could have answered and the thief or thieves could not. We feel that if Chase had been more vigilant, and asked the right security questions, this fraud would never happened.
Consumer complaint received 2021-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I could not login to my Ally.com acct as of XX/XX/2021. I reached out to Ally immediately and I was told to call back the following day to talk to the Loss Prevention Department. I called on XX/XX/XXXX and explained I was traveling in XXXX and was trying to access my account. The agent I spoke said that should be fine and said restrictions have been lifted. After coming back to the XXXX, I logged in today ( XX/XX/XXXX ) and found restrictions are still in place. I couldn't transfer funds out to another bank and couldn't activate my debit card. I called Ally again and spoke to different agents. They couldn't explain why the account is locked.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MI)

My name is XXXX and i am writing this on behalf of my father XXXX XXXX. On Sunday, XXXX/XXXX/2016 at approx XXXX EST, we called Chase bank at XXXX to activate his chase card. My father is XXXX years old with XXXX. He needed my assistance in this activation as he did with the the submission of this application for this card. when we called, i identified myself to the chase employee who said that there are translator services so that i could not help him with this activation. the translator beeped in and my father was having a hard time understanding him. i explained to the chase employee that my father was having a hard time understating the interpreters dialect and that spoken XXXX is not all the same, she asked what was thew preference, i told her XXXX. she put us on hold again and another translator beeped in and he could not understand him either. the chase employee failed to see that this was a recurring problem and would not allow me to help him translate. the mistake that happened initially was that when he read the credit cards number, he misread it due to his limited vision and that appeared to be a soar point during the call. this call lasted about 50 minutes with 2 different interpreters whom we could not understand. after a point of frustration from my father, i could not stand to see him be abused like that, i ended the call and told the chase employee that he is nor longer interested in the card or working with chase and ended the call.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase has operarated ( and continues to ) in an extremely unprofessional manner. They continue to accuse me me of not getting requested documents to them in a timely manner and basically accuse me of lying about things that have happened during our request for a simple loan modification on our mortgage with them. This is evidently something that they have done to numerous of their customers. For several years I have been in serious dispute with them regarding this matter and I refuse to give up until we receive a satisfactory resolution. 
The loan is in my fathers name and I have always had authorization to discuss anything regarding the account. I had received numerous correspondences from them until the last time I filed a complaint about them, approximately a month ago, I receive a letter.from them accompanied by some authorization forms telling me that I am not authorized to discuss the account. BUT I am indeed authorized to discuss the account, nothing has changed on our end regarding that. 
They are complete imbiciles that has no clue how to treat their customers. 
I will continue to report them to any company or organization until we receive a satisfactory resolution. 
This is a follow up on a previously submitted complaint.
Consumer complaint received 2016-05-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

Chase Bank did a revamp of their online banking website. It is dysfunctional. I went online to pay my bills and was shocked to find the new site and some sections not operational. My Bill Pay was completed XXXX up. I complained in several emails. The site looks like an app not a banking site. I told them XXXX XXXX XXXX did a better job. I complained bitterly. I told them I was walking out the door to find another bank. They escalated this email to Homeland Security. How do I know? I received a phone call immediately thereafter from XXXX XXXX. I did not answer the call. My cell phone was hacked and inoperational. My computers also show evidence. So, we can no longer complain, correct? About anything. If we do, we are turned over as threats, punishment by the institutions we use.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (GA)

Credit card debt that was originally with providian and then moved to XXXX XXXX XXXX XXXX when providian was purchased by XXXX in XX/XX/2006. My acct was always in good standing and paid off balance to XXXX. I have been receiving debt collection letters and calls for several years regarding this account that was taken over by XXXX. I do n't understand how debt collection can occur for this account since it was part of a merger of banks. I have little recourse since XXXX was purchased by XXXX, they have no record of the debt since it was paid and account closaed prior to the XXXX merger.