davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

I made a balance transfer from a SECURED credit card ( XXXX XXXX ) of XXXX dollars. I thought it would be a way to get it payed off taking advantage 0 % interest for a year offer. I went into the branch in XXXX XXXX. The gentleman who assisted me assured me this was a very smart decision I had made. I was paying XXXX annually in interest on my secured XXXX and had reached the limit so it was negatively affecting my credit. 
I do n't have any previous experience with balance transfers, nor do I have any expertise with credit cards, which is why I went to the professionals at chase bank. I was barley establishing my credit transitioning from a secured to an unsecured credit card. I chose to visit Chase bank. I trusted them, even kowing their interest rates, fees and fines are steep. I was willing to pay for good quality service and a expert at getting what I needed done. 
The bank man did a balance transfer from a secured ( I had initially used my money and made a XXXX deposit ) XXXX to a unsecured XXXX. My first statement was XXXX/XXXX and now I owe two banks around XXXX. This went on for four months. I 'm paying XXXX XXXX, but not Chase. My credit score plummets. I called Chase and spoke to several different departments, but nobody could understand what I was trying to explain. I just gave up because the last woman I spoke to was so rude. She made me wonder if it was n't a mistake of mine somehow. No. Not my mistake. Within two weeks I got a strange check from a unheard of branch of Chase for the full exact amount of the original transfer. I also got my account closed with both banks, a worse credit score than I started with and I still owe Chase bank XXXX. 

Unavoided any interest XXXX XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I have some hard inquiries on my Equifax credit report that needs to be deleted as soon as possible because the companies have already sent the proper documentation to Equifax to have these removed all my credit report because they were unauthorized. I am trying to qualify for a mortgage but do n't want to apply for anything until these are removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (FL)

Ive requested that XXXX stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with XXXX XXXX XXXX If XXXX holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

XXXX XXXX bought and securitized student loans. These securitized notes were then sold to debt investors. XXXX XXXX then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

XXXX XXXX also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, XXXX does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by XXXX XXXX and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following XXXX/XXXX accounts removed from my credit report : XXXXChase Bank account number XXXX. 
XXXX/XXXX - account number XXXX. 
XXXX/XXXX - account number XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Without my consent, Equifax collect my private information and sold it without my knowledge or consent. They then released my confidential, private information to criminals who will use it to steal my identity. Equifax then tried to 'compensate ' my by 'offering ' 'credit monitoring. ' Equifax FAILED to even provide this 'credit monitoring ' in that they NEVER provide the promised e-mail so that I could register for this 'credit monitoring. '
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Telerecovery Corporation (TX)

Telerecovery placed a debt on my credit report that does not belong to me. The company that hired them called Telerecovery and verified the social listed in the records was incorrrect and requested the information be updated and removed from my credit report. I asked Telerecovery for something in writing advising this was an error and they have submitted the request to the credit bureaus to remove the account. They advised me the company does not provide written documentation of such request. The supervisor advised they already submitted the request and she could verbally give me the AUD # of the request they submitted. When I asked to speak with her manager, the manager advised that the request had not been submitted and they are " working on it ''. The fact that these people are frustrated that I 'm asking for this information based on their error and incorrect information is astounding and completely unacceptable.
Consumer complaint received 2017-09-05
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: SYNCHRONY FINANCIAL (TX)

I used care credit which was purchased by SYNCB. I used the card with a XXXX  .I was told that the clinic was a member of my health network .I agreed to pay for a XXXX with a charge of about 1200.Before the XXXX arrived I found out that the XXXX office was not in my network and the price was almost twice as much.I contacted them to cancel. I explain that the price was too much and that I would use my benefits within Network. I went to an In network XXXX and paid 700 to 800. I contacted them by phone and in person before the XXXX arrived. I tried to convince them to return the XXXX which could be broken down.I do n't want to pay for a service/product that I did not receive. Had they been honest in the beginning and told me that they were not in my network..I would never have agreed to purchase the XXXX.
SYNCB made a minimal effort to contact the XXXX clinic. Basically I was told to work something out with the XXXX clinic..
SYNCB also on a monthly basis makes an average of 5 /4 inquiries a month every month on my credit report which seems to be excessive.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I just explained the situation on previous page.Chase bank fraud dept.has declined my claim for UNAUTORIZED AMOUNT OF MONEY .This was not in any way a mistake on my part these people stole from me.I sent a copy of my reciept to you.My bank statement has XXXX UNAUTHORIZED CHARGES FROM THIS PLACE THAT IS NO LONGER THERE AFTER JUST 3 WEEKS as i went there myself to confront these guys for stealing from me.These guys charged {$2000.00} that was UNAUTHORIZED AND I WILL NOT JUST LET THEM GET AWAY WITH THIS.Chase has no reason for me why they denied my claim just that they wont reopen it or start a new claim.I will file a police report against these crooks at the very least.I have now seen what this company is all about now that this has happened and they stole my money it was NOT AUTHORIZED and Chase Bank has not protected me instead they are allowing them to steal from people.I will close my account with Chase tomorrow.
Consumer complaint received 2017-01-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (AR)

The Consumer Financial Protection Bureau alleged that the NAVY Federal credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting hundreds of thousands of people. I was frozen out my accounts many time over the last XXXX years
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (WA)

I had applied for a mortgage after being transferred with XXXX XXXX and XXXX XXXX in XXXX of XXXX, I was told that I was in arrears with a past mortgage for a home in Missouri which my ex-wife received in the divorce in XXXX. There was a mortgage modification performed on that note for the house in Missouri on XXXX XXXX, XXXX which clearly shows my name on the Agreement, however I never signed said modification and would not have done so. I filed a complaint with Wells Fargo and they were disinclined to correct the issue. My ex-wife has been in arrears on the note, and I am the one whose credit rating keeps her in that house.
Consumer complaint received 2016-09-30
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I have repeatedly asked XXXX simple questions and have received XXXX pages of paper work but have not received a truthful answer from XXXX XXXX. She refuses to seek the truth and give a truthful answer. 

1st Provide me with legal documentation that XXXX XXXX was served with a Lis Pendes at his residents from your attorney. You keep providing false documentations. and Wells Fargo supports and improper foreclosure proceeding denying a XXXX yr old XXXX Veteran his right to contest your actions in court. 

2nd A simple question just answer why there was XXXX different reason for denial. If Wells Fargo or the HAMP program only grants XXXX in a 5 yr period that should have been stated in the first applications. 
Simple questions which only require XXXX line answers not XXXX pages and 45 days to reply. 
I have spoken with XXXX XXXX and have asked her to contact her attorney to give proof tha XXXX XXXX was served at his residents not the rental property in question. She has not returned my call in weeks.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

I attempted twice to get my free annual credit report from Equifax, XXXX and XXXX on Sunday, XXXX XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
Consumer complaint received 2017-02-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

At the end of a XXXX year lease with Honda I owed approx {$410.00} which included the final monthly payment of {$280.00} with the remainder representing mileage charges. In attempts to collect the money owed Honda sent me several demand letters. In one such demand Honda offered that it would reduce the balance owed by approx 25 % XXXX approx {$300.00} XXXX and that if I paid the reduced amount by a date certain the remaining balance of approx {$100.00} would be reported to the credit reporting agencies as payment that was 30 days late. As the letter indicated I accepted the offer by making out a check to Honda in the amount specified.I mailed Honda the check. Honda accepted and deposited the check. Since accepting the offer and having made the payment to Honda, and Honda having accepted the payment, Honda now continues to demand payment of the remaining balance and has sent me letters stating that my account is past due. On XX/XX/XXXX, 2018 a Honda representative called me and demanded the remaining balance and advised me that if I did not make the payment Honda would report to the credit reporting agencies that my lease agreement was in default. The representative went on to threaten me and said if I did not make the payment my credit would be severely affected. I believe Honda 's collection tactics have been discriminatory on the basis of my sex and race. I am a XXXX. This is a definite bait and switch tactic used by Honda to induce me to enter into an agreement that Honda no longer wishes to honor. Honda has misrepresented its intentions and the offer it made to me.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This is in response to previous complaint XXXX. The issues from this complaint were not addressed. 

1. Denied loan due to " GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGMENT OR COLLECTION. '' I do not have any of these items on my credit report, nor have I ever. I called XXXX and verified that what is is listed on my credit report is NONE of those items. My credit report states some cards were " being managed by a credit grantor/ financial counseling program. '' A debt management program is VOLUNTARY, not ATTACHMENT! 
2. I was wrongly denied this loan. 
3. On XX/XX/2016 I was called at XXXX by XXXX from the chairman 's office. I returned the call 30 seconds after I recieved the message, and the call did not ring and went straight to XXXX at the chairman 's service voicemail. I have left many many messages, while calling XXXX over and over again, almost every day, for the last two months. I have called corporate numbers, where they have said they will send an email to get someone to call me back. Conveniently, no-one ever does. XXXX XXXX, who provided the response to my original case, has provided me the same number to contact them. I have phone records of all of my attempts to call and reach anyone at this company. 
4. I feel this company is extremely shady, and I will be sending letters to XXXX, the company this iPhone upgrade loan is through, to provide them with this terrible feedback, and taking it further to a lawyer if this company can not provide an appropriate resolution for their wrong doing for over two months now.
Consumer complaint received 2016-09-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I received an offer in the mail for a loan and applied. When I was approved it stated the {$600.00} loan would have a {$400.00} interest fee. I believed I would have to pay {$1000.00} total. The company does not disclose the full terms of the loan until after the contract is signed and the first payment due. After making payments and attempting to work with them, I have found that despite paying them over {$800.00}, they still claim I owe {$1400.00}. I have also learned these loans are illegal in the state of Florida but this company tries to claim immunity under tribal law, despite a 2014 ruling that tribal lenders are still under the rule of the FTC regarding payday and installment lending. I want the account closed as I have more than PAID IN FULL the amount borrowed and legal interest.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Credit Bureau is currently reporting XXXX accounts that were closed as open with balances showing that they are currently late. These accounts were charged off and companies receive tax credit from irs. I requested a 1099c from the creditor and they fail to furnish then XXXX lists the account was open making it look like there are current late payments when these accounts should marked closed with a XXXX balance XXXX bank {$1500.00} listed as open account charged off and balance should be XXXX and XXXX XXXX charged off XXXX and is still showing a balance of {$16000.00} and no XXXX has listed this account as open this is the only bureaus that has not corrected their issue and has violated 15 U.S.C 1681 and I request that these accounts be removed from credit immediately
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am disappointed with how my previous complaint has turned out. Verifying my dispute is not enough, and I made it clear on how badly I wanted this account removed from my report as it has affected me financially and mentally.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.