davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Hello i called experian about an issue on my credit report telling them that my father and i have the same name and address and are mistaking me for him.My father and i have the exact same names. Then when they ran my social security number Experian told me XXXX different names popped up under my social security number and couldnt really narrow it down and told me to pound dirt. The account on my report is about XXXX and then they sent a letter taking them to court. The account was open about 15 years ago or more and im barely XXXX. So clearly it isnt possibly for me to even own a credit card. I havent heard anything back from them and its been longer than 30 days. Also wan na complain about how they failed to identify the correct person this debt belongs to cause now im unable to purchase a house for my wife and son.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (DE)

I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC (CA)

I am reporting FirstKey to the Consumer Financial Protection Bureau because they have remained unresponsive to my many requests through their online message center ( which promises response within 48 hours ) and several of my phone calls to customer service over the past few months. I switched homeowner insurance providers back in ate XXXX 2015 and since then have been paying for my homeowners insurance out of pocket. My new insurance company XXXX XXXX XXXX submitted all forms to FirstKEy verifying that this is so ( twice now! ), yet FirstKey has failed to follow up on my requests to adjust my monthly loan amount to deduct for the fact that homeowner insurance payments should no longer be rolled into the amount due for my monthly mortgage payments. I have messaged them many times in writing and I have called on XXXX different occasions and talked with a customer service agent to try and get the issue fixed. The agents never follow through once we are off the phone and so I am still being billed for the homeowners insurance. I need someone to help me escalate. This is the third company my loan has been sold to since I bought my first home in XXXX and they are the worst. Please help me! 
Thank you.
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (WA)

This debt was obtained in a different county that i have never live in. I never had service with XXXX ( original creditor ) in 2012, which is when the service was disconnected as i was told by EOS CCA. I have never seen a bill for this debt ever! I only know about this debt because i had my credit checked to get a credit card through my bank. It is completely shocking to me that this EOS CCA can still say i owe this debt without even proving how i owe the debt. I was sent by EOS CCA saying they verified that it is my debt but never sent any information to back up their allegation of owing debt.
Consumer complaint received 2016-06-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Green Square Company LLC. (NM)

This company continues to call my cell, my spouse 's cell, children 's phones, and parent 's. I have never had this debt and they call from different phone numbers. They claim to have my bank info, ss #, and e-mail address.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (MI)

Found a hard inquiry affecting my consumer credit report from '' Experian XXXX '' Dated on my consumer report dated XXXX XXXX 2015. NEVER asked Experian XXXX or their assignees for business credit.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (IA)

My XXXX Extras Mastercard was maxed out and I was unable to make payments due to a short period of having little work being self employed at the time. ( Before this time I always made my payments on time and was able to get my card paid down ). I called XXXX and shut the card down at which point they lowered the interest rate so that I could get the card paid down. Everything was going well and after a period of time they sent me a letter saying that our payment agreement and interest agreement was up and that my interest rate would again rise to 18.24 percent. I have been calling to try and speak with someone about this but they just keep transferring me to another number where I go through the same thing. They are giving me the run around and avoiding speaking to me. They keep telling me they are sorry and will connect me to someone who can help and give me numbers to call but I can never get a hold of anyone that says they can help and the numbers they give me are just another number to the main automated payment number. At this rate I will never be able to pay this card off. Interest accounts for XXXX of my payments. How is this legal?
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (KS)

We filed a complaint against Experian about 45 days ago. In the complaint we specifically stated that the company never issued us a number to unfreeze the credit bureau report when we paid to freeze it. Therefore, we are unable to unfreeze the credit bureau report in order to apply for credit. Since the original report, Experian sent us a copy the credit bureau report. This is not what we asked for. Experian needs to send us a number to unfreeze the report.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

Experian has had MORE than 30 days to looking into my dispute and have not shown any proof per FCRA laws I have done my due diligence as a consumer and have exhausted all options. They need to delete my inaccurate accounts since they are unwilling to verify and " show proof, '' key word is " show. '' Simply printing it with the exact same copy is not verifying or showing proof. Attached are the the XXXX reports that show the exact same copies of reports where nothing was updated as they claimed. They also need to delete inaccurate personal information it is not historical when it is n't mine. Telling me its from other sources is illegal it is n't mine. I am telling you what is my name and address you ca n't tell me someone else told you who I am.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (MO)

The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years. 

About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that. 
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out. 

The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %. 

So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.
Consumer complaint received 2017-05-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (CO)

I applied for a home equity line of credit on  XXXX / XXXX / 17 . Before they pulled my credit, I paid for m y credit score  with   XXXX   XXXX  . My FICO scores came back as  XXXX , &  XXXX . I notified Key Bank to pull my credit and apply on the same date. My loan was declined because m y credit score  was  XXXX . No one can give me an answer as to why there is such a difference on the score, on the same day. Key banks report says that  XXXX  was used for their report. I have viewed my credit report and do not see anything unusual on the report.
Consumer complaint received 2015-05-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

About a month ago I informed my bank about a refund that I had not received from a merchant that I returned merchandise to in XXXX via 2 day priority mail signature confirmation. I was told that as a courtesy the charge would be reversed while the investigation was being performed. I also told the bank customer representative that I filled a FTC & XXXX complaint but the company has yet to respond. I contacted the company again in reference to my refund and that I 've reported the company to the FTC, XXXX & I 've had the charged reversed by my bank & to my surprise although all numerous previous communication attempts went unanswered, I was told that none of the named entities would guide their actions. I supplied the bank with the tracking information proving I returned the merchants merchandise but to date I have n't heard anything about the investigation nor was the charged ever reversed.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MA)

There was a tax lien on my credit report. It should not have been there. I filed with the IRS to have it removed. They did remove it on XXXX XXXX, 2016. I also filed a dispute with Experian. They found in my favor and removed the report from my credit report. I checked my credit report today, 33 days after the paperwork was filed, and my credit score has not improved. I called Experian at XXXX. I was told that the main number from their website was the wrong number -- their department ca n't handle this. The representative then transferred me to their Membership department. I was told that Experian does n't have any control over my credit score!!! I said that is plainly ridiculous, as this is what their business does. I was then transferred to a " supervisor '' named XXXX who also said he had no control over it, and my report simply needed to be " refreshed '' by the Dispute department. XXXX in the Dispute department said that his department did not handle this, the Membership department does. I was irate, and explained that I had been transferred and put on hold for an hour and a half. I demanded to speak to someone in management who could help me. XXXX said he 'd transfer me and the number that he transferred me to had a " this number is no longer in service '' recording and then disconnected me. I must emphasize that I was not verbally abusive in any way -- I was direct and calm. I was patient. My ordeal ended at XXXX with no one taking responsibility. My request is simple : I was told that the lien was negative and lowering my score, I went to a great deal of trouble to have it removed. My score should improve. Period.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (MD)

My bank M & t has allowed a unauthorized transaction to come threw my account knowing that we have never signed the paperwork with XXXX XXXX to run the card. Now we no why of get to are money because we donot do personal checks because someone has stolen my social security number. This has happened more then once. We can not just go get money we can only do it when they have banking hours. This is XXXX and do not know how the banks get away with it. This is called fraud.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

No I have n't disputed anything with Experian because all the credit bureaus are doing the same thing. I just got a copy of the above report. It shows XXXX Inquiries, of which about XXXX of them I had no knowledge. I did n't ask for credit from anyone. I did ask for a lower rate from the XXXX credit card I have, XXXX XXXX. As far as " preapproved credit offers '' go I 've never in my life received a true pre-approved offer. These companies scan my credit to see if I 'm worthy of their solicitation. Then when I ask about it, they say now we have to run your credit to see if you " qualify ''. So there is NO firm offer of credit with those solicitations. They are using this ok from the government to look at my credit for illegal purposes. I have XXXX company that I am licensed with to sell insurance for that runs my credit whenever they feel like it. Yet, I am not given nor ask for any credit from them. This is outrageous. I want to make sure none of my credit info is given out to anyone without my knowledge or request. I 'm sure this practice helps enable the evil folks who want to steal identities!!
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

I have been disputing all year round and trying to let the credit reports know that certain good accounts are closed due to fraudulent and that I did not closed any accounts that have good standing history, but it doesnt work in my favor. For example, my XXXX account that I used to work for XXXX  back in 1991, most valuable client member, one of my account number that is closed by thief and not by me, but the results are not to my favor, because its doesnt make sense that all of my good accounts are closed in the same year by me. Therefore, the investigation team is not really doing a good job. The second issue that I kept disputing is the wellsfargo  Home Mortgage over and over, but they rather go with the Wellsfargo Bank reporting instead of my disputing fraud reports, even the accounts number isnt accurate from whats my account number is. I kept getting the results back saying their investigation results are accurate and I dont know how they getting accurate information from? I am not being negative about the compliant, I am just trying to be honest from what I know with hard documentations and its my credit report so, I am trying my best to explain. I still have dispute to do, however, I am delay, because now I am homeless and I dont have a decent place and tools for my Identity Theft Victim Recovery process as I am about halfway through. I was asking to write a 100 words to explain and with documents attached to proof and I am just about to get there, however, I dont have any financial help yet. 
As far as Wells Fargo Home Mortgage is the same letters that I kept receiving every month are that they need more time to investigate and the second letter is that they keep saying that their investigation, they do not find any fraud loan from my concerns. The third letter is they keep giving changing to different accounts numbers and start to change to the accounts that I have no knowledge or idea what they are saying.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

Equifax, XXXX, and XXXX are reporting an allegedly negative account from XXXX XXXX. This account appears in error. This account need be deleted immediately. I have no balance outstanding or owed to XXXX XXXX. I have contacted XXXX XXXX directly and initiated a dispute with all XXXX Credit Reporting Agencies.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I am current on my credit cards and paying payments on time some i paid off they cancelled my credit cards due to much inquiring which is not true at all.why there are canceling and lower my credit limits even i am paying on time and paid in full.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

XXXX had a long-standing deposit relationship with Chase Bank , even to the point of having a favorite teller with whom she dealt on a regular basis. She also felt close to the XXXX XXXX whose name was also " XXXX ''. Her banking history shows a frugal person whose only large transactions involved charitable contributions prior to these incidents. These incidents should have alerted anyone that they were unusual and deviations from the norm. Knowing our mother as we do, she would have also been very secretive about these transactions.

1. In person purchase of large cashiers checks purchased to send money to strangers whom she had never met ( Seven ( 7 ) separate occurrences from XX/XX/XXXX to XX/XX/XXXX ). 
2. Large personal checks against her accounts to individuals ( NOT charities ) from XX/XX/XXXX through XX/XX/XXXX. In one case, three of these large checks cleared her bank on the same day. 

We filed a lawsuit in LA XXXX XXXX due to the XXXX nature of our conservatorship. The bank was able to get the matter moved to the XXXX XXXX and the case is on its way to being " dismissed '' because we Do not have a private right of action. Our only recourse is to contact CFPB and the media to highlight this issue in the hopes that something will happen to incentivize these banks to take better care of their senior customers. 

We even sent them this information from the CFPB website and their response what essentially, " Not our responsibility ''. 

Elder financial abuse prevention can be viewed to fall within a financial institutions general obligation to limit unauthorized use of customer accounts as well as its general privacy and data security responsibilities. As a result, a financial institution that fails to implement a robust elder financial abuse prevention program risks becoming the target of a CFPB enforcement action for engaging in unfair, deceptive, or abusive acts or practices. In addition, given that the CFPBs new leadership has identified XXXX as a priority area, it would not be surprising if CFPB examiners, when examining banks and credit unions subject to CFPB supervision, look at such institutions programs for preventing XXXX and use the XXXX recommendations in evaluating the programs. 

We have attached all the evidence we filed with the court along with copies of our Letters of Conservatorship and Order of Conservatorship.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I received a inquiry alert from Experian on XXXX/XXXX/2017 in regards to XXXX inquiring and accessing my Experian credit report. The inquiry from XXXX is an authorized and fraudulent inquiry. It do n't belong to me.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. 

Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. 

Please assist me in recovery of the damage this has caused my creditworthiness.