davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

A medical collection was added to my account on XXXX, XXXX. I paid it in full on XXXX, XXXX. Per the terms of the agreement for the XXXX XXXX XXXX XXXX, this medical collection should be removed since it was paid in full. It should also have been pulled from my credit report as it shows that the account with the original creditor - a hospital - was opened on XXXX, XXXX, with the collection being reported 90 days later. This eclipses the 180 day waiting period required before entering any collection information on the credit report - per the XXXX XXXX XXXX XXXX. This collection should be removed under at least one of these requirements.
Consumer complaint received 2017-09-09
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. (GA)

Equifax shared my personal credit information without my consent. Upon checking with the website Equifax set up in response to the cybersecurity threat i was informed that i may potentially have been a victim of the cyber attack.
Consumer complaint received 2016-11-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (DE)

I was married for XXXX years and my husband was a drug addict addicted to prescription narcotics, he was and I am a registered nurse. My husband and I filed bankruptcy in XX/XX/XXXX because of his prescription drug addiction caused him to make poor financial decisions. In XX/XX/XXXX my husband abandoned myself and our XXXX children and moved from XXXX to XXXX to be with his XXXX. I filed for divorce and was granted a divorce under misconduct and was awarded full custody of both children. I tried to keep my home not knowing that the mortgage was included in a bankruptcy. When I found out that my husband married his mistress I called Chase to do a loan modification to put the house just in my name and that is when I was notified by Chase that the only way to do that was to have my ex-husband sign a XXXX claim deed and my ex-husband stated he would NOT sign anything pertaining to the house. Me and my children had no choice than to move. I have since restored my credit and am trying to move forward with my children and this house is still hanging over my head since XX/XX/XXXX. The mortgage with JP Morgan and Chase was never re-affirmed. Chase is not reporting on my credit report but has failed to take this house out of my name with XXXX and the FHA. A credit agency was asked to do a investigation and I have attached this report to this complaint as well as my hardship letter. I have applied to and been approved for a mortgage with the FHA and the only hold up is this house still being in my name. I have consulted XXXX attorneys and the FHA, all of whom stated " we have never seen a case like this where the house is not on your credit but still in your name '' XXXX attorney I spoke to stated " I guess you got a free house ''. This has become a joke! I just want this house out of my name. I have told my story over and over and no one can advise me of how to get this done. I feel my rights have been violated as a consumer, this is unfair and immoral that these banks can take their sweet time and disrupt and destroy a persons life. I paid on that house 11 years and due to this unforeseen circumstance that happened to me and my children, my husband gets to move on with a new wife and a new home, cause he put it in his wife 's name and me and my children continue to be punished. WHO PROTECTS MY RIGHTS!
Consumer complaint received 2017-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: QC HOLDINGS INC (MO)

Five unauthorized ACH transactions were made to my bank account on XX/XX/XXXXfrom this company. Two for XXXX and three for XXXX. I did owe the company for an overdue loan, but I believe taking money from my bank account without my prior knowledge is illegal.
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (TN)

I was putting my information in to Experian for my free review. Once I submitted the information the site stated that they had a technical issues and for me to exit the site. I was n't given the chance to review the results later or through the mail. Even though it was an error on their side, because I attempted to get the results I have to wait a year for the free report again.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express offer to enroll me to automatic accident insurance every time I booked a ticket under my card. In the past, I kept on complaining that I should not be charged for insurance if the plane ticket is not under my name. I trust them that they will not charge me because I already placed several complains about this. So what I noticed whenever I had a chance of checking my charges I saw some automatic insurance charge and I even have a record in their system about my complain. Again, I saw some charges these past few months and I was told that the policy of the insurance company who is Amex partner change that every time a plane ticket is charged regardless if its me or not will be charged with automatic accident insurance fee. I was told that they send letter about it and XXXX me because I fail to read it, I am now penalized for automatic accident insurance regardless who is the passenger.
I 'm not a lawyer but this is a sneaky way of doing business with a loyal client for the past 15 years. If I will enter into an insurance agreement, I must clearly consent it.
This sneaky way of generating revenue should be stopped and I need to know what available option I have because I spent so much time fixing this instead of going to work. I 'm not only losing money here, but I also lost time which I 'm supposed to be earning money to iron out these constantly repeating issues.
Thanks for your help, XXXX
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. I am a business owner residing in California, U.S. citizen and had been the XXXX credit card holder 'Amazon Rewards ' issued by Chase Bank for a number of years now. On XXXX XXXX, 2015 I was involved in a XXXX in XXXX, California the city where I reside. As the result, my XXXX XXXX vehicle was totaled. Police arrived at the scene and I have a police report pertaining to that unfortunate event plus the witness statement to prove it. 
At the end of XXXX of 2015, I have received the bill/monthly statement from Chase Visa card and have immediately noticed charges that did not belong to me or were not made by me or were not authorized by me. I immediately called the number on the back of my credit card and I told them about unauthorized charges on my account. The bank send me the new card and apologized for what had happened. Then XXXX months later I received a demand letter for payment on the fraudulent charges. I called the bank immediately and asked why would I be responsible for those charges??? The bank said that they investigated the records and concluded that the charges were mine based on the following information : they checked my payment history record and pulled out random checks that were mailed to them for my monthly statements. One signature ( according to the bank ) matched to the signature on the fraudulent transactions that happened in XXXX, Hawaii. Despite the fact that person signed for that transactions was done by XXXX XXXX who ate at the hotel in XXXX at the same time of my XXXX and possibly made other purchases. I had an XXXX and have the Police report with pictures from the accident, my injuries, witness statement, my daughter being with me as well, legal contract with my injury attorney representing me -- -- Chase bank did not take into account believe any of it. I even had my attorney call the bank to confirm the fact that I was in XXXX, California and could not be in both, XXXX and XXXX at the same time.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

Comenity Capital and I agreed to settle this account for {$1500.00}. The first payment of {$370.00} each month starting XXXX XXXX, 2017 ending with a final payment of {$370.00} received XXXX XXXX, 201 ( see attached bank statement ). The money was deducted from a debit card each month belonging to my mother, XXXX XXXX. As of XXXX XXXX, 2017, upon checking XXXX Credit reporting agency, the balance is being reported as {$1200.00}, when the balance should be 0. Attached are all documents needed to support this agreement.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Inquires on my credit not authorized by me. 

XXXX XXXX credit card in good standing missing from report. 

Credit Age year has drop XXXX credit card is showing the wrong amount owe change to higher amount, just recently changed within the last 3 months Credit score dropped 60 points or more within the last 3 months. Big difference in my score compared to XXXX and XXXX Old debits that have been delete is back on report The same items on report is showing up multiple times.
Consumer complaint received 2017-09-09
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. (OH)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Nelnet, Inc. (CO)

I filed a dispute with Nelnet regarding the reporting of the defaulted credit lines from back in XX/XX/XXXX. Nelnet responded back citing the FCRA, essentially calling my dispute frivolous and saying they are not required to investigate. THIS IS INCORRECT- my dispute is not frivolous ; in fact I provided additional facts to support my claims than in previous disputes, provided a different argument, and their claim that the trade lines will report for seven-years after the loan was paid in full is legally incorrect since these loans are Stafford loans, not Perkin loans. 

I requested the negative information posted on my credit report from my XX/XX/XXXX default to be removed since the company has breached our rehabilitation agreement. When I spoke with the credit collector regarding these defaulted loans in XX/XX/XXXX, I was informed that if I complete the full rehabilitation program, that they would remove the negative marks from my credit report. I relied on this agreement, so much so that I even stalled paying off the loans in full until the program was complete since they told me that if I pay it off in full before the program is complete that they would not remove the negative marks from my report. So, I waited to pay it off, and once the program was complete, I paid off XXXX out of XXXX of the student loans in full right away. This can be verified from my payment history. Despite the fact that I upheld my end of the agreement, Nelnet did not uphold their end and continues to report the negative marks on my report and refuses to investigate my claims by hiding under the " frivolous '' claim. I ask for Nelnet to uphold their end of the agreement and remove my negative marks from my credit report for loan numbers # XXXX-XXXX and XXXX-XXXX for loan groups XXXX and XXXX. 

Further, their assertion that the negative reports must be reported for seven years after the loans were paid in full is legally incorrect. That claim would only be legally correct if my loans were Perkin loans, per 15 U.S.C.A. 1681c. That same statute, however, does specify a statute of limitation for reporting the negative information to seven years + 180 days after the date of delinquency. The date of delinquency for these accounts was XX/XX/XXXX ; 90 days past due was XX/XX/XXXX ; and the statute of limitations is thus XX/XX/XXXX. In the alternative of fulfilling their agreement to delete the negative notations from my account, I want a firm commitment to remove the negative marks by XX/XX/XXXX.
Consumer complaint received 2017-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have written to XXXX XXXX with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate XXXX through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I called into XXXX Consumer Finance and have filed a complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX : an account I had with them XXXX. XXXX is the collection agency. I filed a complaint with XXXX ( XXXX ) and Experian ( XXXX XXXX to have them remove a collection from my credit reprt. I have had XXXX for years as my TV, internet and telephone service provider. XX/XX/XXXX, I spoke with XXXX of their sales reps that I was moving from my old home ( this home sold and closed XX/XX/XXXX ) to an apartment for one month till my new home was built ( XX/XX/XXXX ). The rep agreed for us to take the equipment to the apartment. They sent a technician that set up our TV and internet in the apartment. Around the middle of XXXX, I called in that we were moving to our new home and the sales rep stated that I needed to pay the {$260.00} in order to close the account at the apartment, I asked where did that come from and she said that I signed a contract. Of course I knew that was not true because we were moving to our new home. After speaking with her supervisor, I knew the conversation was going no where. At this point, I wanted nothing to do with them. I know that if XXXX XXXX XXXX ( the CEO and share holders ) knew what they were doing to customer they had for years, they would have intercepted. I believe that sales rep received some award for signing me up for a year. The plan was to take my old account with me. Somehow there was miscommunication, but I am the long-time customer, they should have taken care of me. 
Please look at my credit report. I have had impeccable credit forever. Why would I choose to not pay {$260.00} and mess up my great credit. I am credit worthy and because of XXXX of their sales reps, my credit score has dropped from the XXXX to the high XXXX. Being a XXXX, I know how important credit is, I would not jeopardize my credit if I owed this {$260.00} and chose not to pay it. Does not make any sense. 
I have clients that have had XXXX XXXX XXXX on their credit reports that they have refused to pay, now I know why. I would look at the amount and think why did n't they just pay them. It is the principle. I am now in that class.. 
Finally, I will attach a credit report from XXXX, stating they have removed this item from my credit report. Experian has chosen not to. I need Experian to remove this collection from my credit report. Please assist me in this matter. 
Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I had a Home Mortgage with XXXX XXXX XXXX and became delinquent due to loss of income and my divorce. I was working with XXXX XXXX XXXX until my loan was transferred and they refused to continue the conversations and referred my to the new Servicer, Carrington Loans. They gave my numbers to contact Carrington XXXX. I have attempted many times and Carrington says they do not have my loan. I have not received a. loan transfer letter or anything in writing to advise me of my new loan # or their contact information and when I call Carrington Mortgage they say they do not have my loan. I am now in foreclosure with a sale date. I have not had appropriate communication from Carrington nor been offered HAMP or other options to allow me to explore those options. Last call made XXXX/XXXX/2015 at XXXX XXXX ( EST ) and they again stated they could not find my loan and then transferred my to their loan resolution department where I was disconnected. This is one of many times since I received foreclosure notification that I have attempted to contact Carrington and always wait and wait and get disconnected. I DO NOT HAVE NOR HAVE EVER RECEIVED MY CARRIINGTON LOAN # and they continually refer name back to XXXX XXXX XXXX who states they service transferred the loan in 2013.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ID)

regarding case XXXX Experian did nothing to fix this issue. They refuse to properly update the information and claim it was already verified. Maybe they should verify with the XXXX Bankruptcy court! The XXXX other crediting reporting agencies XXXX are reporting it correctly as discharged in XXXX. This debt was discharged in Chapter XXXX BK. It would be illegal for them to claim they sold the debt or transfer it as Experians report reflects. There report shows it as a collectible debt! It should read discharged in Bankruptcy. By them not reporting it properly I was denied credit because they used Experian to pull their data. My Experian score is XXXX lower then both XXXX because of Experians false reporting. Experian is in violation of the FDCPA by misreporting and refusing to accurately verify the data.
Consumer complaint received 2017-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (UT)

I applied for public service loan forgiveness in 2015 and submitted the application twice and never heard from them, even when i called them. Now i have resubmitted again and was denied due to incomplete employer address. I called and corrected it and they said they would process it and i have n't heard back from them since that phone call a month ago. Now i am trying to recertify my ibr plan and have received XXXX emails stating they 've recieved my application on two different days, which does not inspire confidence in their process. My payment which i cant afford is now 2 weeks away. They need to be held accountable for the services they fail to provide to borrowers.
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have notified Experian that I have been a victim of identity theft. The following accounts do not belong to me : 1. XXXX 2. XXXX 3. XXXX 4. XXXX Please assist me in getting this matter resolved.
Consumer complaint received 2017-09-09
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. (PA)

On XXXX XXXX, 2017, Equifax notified the public that it had been hacked and data from over 143 MILLION accounts had been stolen. This is data that should be protected with the utmost care, and the fact that all of the details stolen can be used to fraudulently impersonate others, this is a severe breach of trust with the public. I fear for my credit score and for all others affected by this. This is unacceptable and there need to be severe consequences!
Consumer complaint received 2017-07-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and Experian has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported fromXX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when XXXX XXXX recently removed the information while Experian had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now XXXX XXXX XXXX.