davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CO)

I was involved in a real estate investment over 10 years ago. I lost XXXX property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

Experien never initially followed proper investigation. 
This is after my wife and i applied home equity and as loan was ready to close with XXXX loan # also we applied. XXXX. Line of credit with pffcu denied all denied to experien XXXX XXXX updateing my file as a short sale. How is this short sale? Answers please
Consumer complaint received 2016-05-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (NE)

I took out a XXXX loan with big picture loans. They told me it was not a payday loan but an installment loan. I asked how much was the interest many times on that call, but never got a straight answer and since the rep did not speak XXXX well, i assumed she didnt understand the question, so i asked how much will i be paying in the end for tnis loan, she put me on hold, came back and told me XXXX, so i agreed to that, however a week or so later i got an email saying it was XXXX that i had to pay back for that XXXX i had already spent. This is insane, please help me
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (TX)

For every day in which I am unable to utilitze the online service to file a dispute with Experian Credit Monitoring Service, I will be submitting a complaint. On XXXX XXXX, 2016, I received an email from Experian Credit Monitoring Services indicating a change to my credit report. I logged into this service, in which I am paying a fee for each month, and attempted to dispute the information that has been reported to the credit bureau ( s ) as per Experian Credit Monitoring Service ; however, when I attempted to do so, I received a notification online indicating that I am not allowed to submit a dispute online, and that a reason can not be provided to me. Two documents have been attached to this complaint submission, one document showing the email notification I received from Experian Credit Monitoring Service, and the second attachment is the notification I receive when I attempt to dispute the information reflected in my account with Experian Monitoring Services.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (DC)

I am a XXXX XXXX XXXX. I was researching at my bank to finance a new car. When they pulled up Experian and XXXX in their system ( they do n't have access to XXXX ), both reports were completely blank except for my personal ID information. ( I am currently paying for a car and have other financial data under my identity. ) Back at home, I tried to log into my Experian account and could not get access to it. Their system kept going around in circles about me updating my password ; then would not accept the new password. Upon calling Experian, they kept referring me to OPM ( United States Office of Personnel Management ) and their XXXX Identity Monitoring Portal, both of whom had no authority over accessing Experian 's online site. On the third call Experian said my account has been closed since 2013!???? When I logged into my XXXX account to see what they showed, the only bureau to show up was XXXX! I had always had access to all XXXX bureaus in the past and have printed out all XXXX credit reports from their site. The XXXX problem bureaus also not showing on my XXXX account has made me very nervous about my ID/financial security. What can I do?
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (NC)

I am contacting you as a customer of XXXX affected by the data breach at Experian. This breach has likely revealed my social security number, address, telephone number and other identifying information allowing criminals to open bank accounts and credit lines in my name. Experian offered 2 years of free credit monitoring service for affected customers. This is completely insufficient. The loss of my social security numbers is a grave oversight. The number can be abused anytime after the 2 year monitoring has ended. I expect that the monitoring service should be extended for at least 10 years, and that Experian should provide free and unlimited credit freezing and reversal of credit freezing at all 3 credit reporting agencies. The agencies generally do a poor job protecting from fraud and identity theft, as blatantly visible here.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

The name XXXX has been recently added to my credit report. That has not been my legal name in 10 years. If someone is actively or recently using this name on ANY credit related requests, it is FRAUD! Please take this inaccurate name off of my credit report. My full legal name for the last 10 years has been XXXX. Thank you!
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AZ)

Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Experian credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CT)

XXXX/XXXX/XXXX Experian -- - XXXX attempts were made by me to receive my yearly credit report ( online ). Both times I received an error message asking me to try again later. No reason, or follow up information was given. 
Experian 's identity verification questions are confusing. 
Some questions were worded in the present tense, asking about bank accounts that have n't been active in a long time, which is very confusing. 
Some questions were impossible to answer correctly. 
Example : " Name the model year of the car you leased or purchased prior to XXXX XXXX '' With XXXX & XXXX BOTH listed as possible answers ... .You can only choose XXXX answer, but I 've purchased both XXXX, and XXXX model vehicles.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Please REMOVE the Inaccurate Late Payment History for these Collection Accounts for XXXX XXXX XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ), XXXX XXXX XXXX ( acct # XXXX ). I do not have any payment agreement with them.The Closed Charged Off accounts from more than a year ago are Inaccurately getting reported as Open and Active by Collections Agencies. However, they are falsely reporting every month a Missed Payment or Late Payment. This is negatively affecting my report every month.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

XXXX were doing a loan modification on our home in which they told us they were going to do a XXXX bankruptcy to stop the sale of our home. Unknowing to us it was n't a XXXX bankruptcy because it is now listed on our credit reports. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX and we are located in XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposedly XXXX bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My first complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out their money and should be held accountable.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NE)

I disputed the validity of multiple accounts on my credit file. I requested validation of the debt being collected directly from the creditors and from Experian. Experian is not properly verifying the data from the furnisher as I have not received any documentation from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX Additionally XXXX and XXXX are collecting the same debt but reporting them with slightly differing amounts due and opening dates, this should have been corrected during Experian 's original investigation. I attempted to resolve this through their online platform, however ; my request was denied due to " duplicative disputes ''. 
Finally Experian is the only credit reporting agency still reporting the XXXX despite the company 's request to withdraw the information from my files due to their inability to validate the account.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Patenaude & Felix A Professional Corporation (PA)

Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth. 

The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request. 

I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam. 

The reason the number is listed is that I work sales and if you google my name it comes up as a work number.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (KS)

this account was never late and was never in collections-please remove and updateAccount nameXXXX XXXX XXXX, FL XXXXNo phone number availableAddress identification numberXXXXAccount numberXXXX .... 

Recent balance {$150.00} as of XX/XX/XXXXStatusCollection account. {$150.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX Account paid in full
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

Complaint Against Chase Cardmember Services Chase Credit Card A transaction occurred with the XXXX XXXX on XX/XX/2020 in the amount of {$370.00}. 
The items were returned and the XXXX XXXX issued a credit on XX/XX/2020 of {$370.00}. Receipts are available for these transactions. There is no dispute between the XXXX XXXX and me. 
This dispute is with Chase and its cardmember services employees who created a dispute, when there was none between the parties and then maliciously reported it as unresolved to credit agencies in order to hurt my credit. I request a severe sanction be made against the employees who are responsible. 
On my Chase billing statement for XX/XX/2020 Chase had not applied the credit and billed me as though I had purchased the items. I notified Chase the items were returned and they instructed me to deduct the charge from the balance. ( Correct balance was paid for XXXX bill. Apparently it is Chase 's procedure to file a complaint about the transaction so I gave them the required information. The following month 's billing statement for XX/XX/2020 correctly showed the credit Chase applied from the previous month and the payment for XX/XX/2020 billing statement was paid. Everything was correct if they didn't do anything more. 
Cardmember services contacted the XXXX XXXX and they produced both receipts showing the two transactions. Despite everything being confirmed by both parties and there being no dispute, Chase cardmember services re-billed the purchase for {$370.00} on my next statement. I called them multiple times to try and correct this and each having to wait nearly an hour to talk to someone they continued to ignore the facts. I told them I will not acknowledge this rebelling charge as valid and will not pay it. In effect they damaged my credit by contacting XXXX, XXXX, XXXX, and XXXX with a false and malicious reporting of their being a dispute. Additionally they are creating a third transaction that never occurred and they have no documentation to support doing this. At a minimum they should be fined and sanctioned for their actions.
Consumer complaint received 2016-09-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: KEYCORP (IL)

I hold a CD account at KeyBank NA - Key Direct. The account is held in a Revocable Family Trust and I and my wife are the Trustees. Upon its expiry in XXXX XXXX and during the 10 grace period, I contacted the Bank to terminate the CD and return my funds. They asked for another of the Trust, ( which was originally provided when I first opened the account and was subsequently provided at their request a number of years ago. ) I sent them the XXXX copy of the Trust and a Letter of Direction on or around XXXX XXXX, XXXX. I heard nothing from the Bank. After a number of weeks I contacted the bank and inquired about the matter. They told me that the Letter of Direction needed to be notarized - which was not part of their original instructions. A notarized Letter of Direction was prepared, signed and notarized in my attorney 's offices. The letter was sent to the Bank on XXXX XXXX, XXXX and subsequently on XXXX XXXX, XXXX. At no time did I ever hear back from the Bank. Today, XXXX XXXX, XXXX I called the Bank to again to inquire. I was told the date on top of the letter ( when I wrote it ) of XXXX XXXX, XXXX did not match the date of the notary signature which was the next morning XXXX, XXXX when we signed the letter. Additionally, they seems to have a problem with the Notary 's stamp which clearly states she a Notary of the State of Illinois and her commission expires in XXXX XXXX. For 6 months the bank has refused to close the account and send me back our money. They make up a differing rule or requirement every time I seek to satisfy their requirements and never have the contact me with an update or request it has always been up to me to reach out to them and figure this stuff out. Frankly, I now consider that this issue has gone beyond poor customer service and is a matter of actively obstructing me from my money and quickly approaching a criminal act of theft.
Consumer complaint received 2015-11-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (FL)

I get down to my last payment on my car 60 month, I think at XXXX interest rate, Last 2 months heartship repairs on the car effected my ability to pay, on time so I call offered to pay XXXX, and the balance of XXXX next week, I was told all or nothing,, I was totally surprised that realizing the Chase has made a nice piece of profit on the life of the loan, was not willing to work with me to resolve the issue but was, threaten a letter would go out to the credit bureau to report a bad debt and risk a repossession. The price tag if the car was around XXXX. The total was paid XXXX, with interest, why is XXXX profit not enough to at least consider corporate to resolve the final payment.
Consumer complaint received 2016-02-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TN)

Loancare continues to take my money but not pay my mortgage. XXXX XXXX keeps calling wanting their money. I am 2 months behind on my mortgage but I have never missed a payment. Now I find out Loancare sold out to XXXX XXXX but did not release my funds?
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I have received 2 e-mails from Experian stating they have my results ready. Yet when I go into the " get results '' on their Website..it states I am not able to retrieve this information. I have e-mailed them..and tried several times to get to my final results with Experian but am not able to get it on online even though they have given me the Report # XXXX ID XXXX -- nothing comes up. 

I need my final dispute results please.