davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX and they have failed to do so.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

The Department of the Treasury website refers us to the Annual Credit Report Request Service. This service used XXXX, Experian and XXXX. I thought I was safe there. You should know that Experian ( which I never used ) allowed fraudulent use of my credit card to open an account with them for a person unknown to me. This is laughable, but terrifying, because the very company we are referred to to get credit reports and which claims to prevent fraud, was fooled into letting a person open an account with them using my credit card, and my address. 
Experian says : " We help businesses to manage credit risk, prevent fraud, target marketing offers and automate decision making. " They should be investigated to see if we are really safe with them. Cancellation # of the account with Experian and the first name and last initial of the party are available on request by the proper authorities.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

Chase is mismanaging my mortgage accounting records and charging me erroneous fees. They also owe me money for the faxes they requested. 

I 've complained several times that Chase inaccurately reports the amount I paid on my mortgage statements. I 've requested that Chase formally reflect my mortgage payments in my records accurately as I paid them not as Chase has bumbled them. Last XXXX, Chase inaccurately failed to " record '' over {$3700.00} in mortgage payments and it took me over eight months, over {$100.00} in faxing fees, and several complaints to the Consumer Protection Bureau to fix. Because I was right, because I paid on time, I want my records to show what I pay AND not what Chase has done to fix their own accounting mistakes. If one looks at my records attached, the accounting records are impossible to follow. The misapplication reversal payments are confusing and do not show what I paid. Instead, they show how Chase mismanaged my account and I can not do the accounting on my mortgage. I 've filed a CFPB complaint before, Chase told me they fixed it, but alas they have not come close. If Chase is going to charge me 5.2 % to manage my mortgage ( about XXXX a year ), in return I have a right to clear, transparent records on that loan and all the charges. 

WORSE, has the audacity to charge me fees that I do not recognize. Recently they charged me a " Collection inspection '' fee. How dare Chase charge me fees for Chase to do their own accounting. It 's wrong, it 's illegal, Chase does not have my consent to charge fees for inspecting records are a mess. 

Also, I want full refunds for all expenses I paid on this account including fees for faxing documents to Chase. Chase has records saying they will reimburse all costs of faxing documents they request and I want the full {$89.00}. I sent these request and was told that Chase " may '' or " may not '' reimburse although the documentation on their requests states they will reimburse for records they asked for. 

Chase needs to be accountable for their actions, provide clear record keeping, not charge me for their own mistakes in record keeping, and reimburse for erroneous fees charged, and reimburse me for records they requested and told me they would pay for in writing and verbally.
Consumer complaint received 2016-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: General Motors Financial Company, Inc. (MT)

I called on XX/XX/2016 at XXXX. Montana time, XXXX eastern time. 
XXXX Operator ID # XXXX was argumentive, refused to send a copy of the alleged judgement or garnishment. ID # XXXX implied that I have no rights to compel them to send any legal documents verifying that they have a valid judgement.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Guglielmo and Associates (AZ)

I owed {$1600.00} to XXXX XXXX XXXX Credit Card but medical expenses probated payments. My wife, XXXX, XXXX. We both live on XXXX only. 

XXXX XXXX XXXX sold the debt to a law breaking junk debt collector XXXX XXXX, XXXX. Their attorney, Guglielmo & Associates PLLC, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were deadbeats. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from Social Security only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

XXXX XXXX XXXX and Guglielmo & Associates PLLC have violated the FDCPA laws and should be held accountable for their law breaking activities..
Consumer complaint received 2015-10-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I have been dealing with Chase Bank about my mortgage since XX/XX/2014. I have asked for a copy of the qualifications for the cash for keys program, a copy of the qualifications for the relocation fund, a copy of the qualifications for a short sale, and a copy of the qualifications for a deed in lieu of foreclosure. Chase has repeatedly refused to help me with anything saying I do not meet the qualifications for any of these programs but they refuse to mail me a copy of the qualifications.
Consumer complaint received 2016-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I was making on time monthly payments and then paid the account off for a negotiated price with the promise that the account would report as paid in full. The account reported 30 days late when I paid it off even though I had been making on time payments. They also reported as settled for less than the amount owed and the credit bureaus and company have failed to validate any information regarding the account but continue to report it despite my contined disputes.
Consumer complaint received 2017-01-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Since XX/XX/2015 we have been having billing issues with our mortgage which is being serviced by Chase. 
1 ) Customer service gives wrong payment amount. 
2 ) They do not apply total escrow payment to escrow which cause a short fall, therefore they increase mortgage to cover short fall.
Consumer complaint received 2015-10-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (MI)

Many years ago I had a payday loan online, it was paid many years ago ( four or five years ago ) and a company claiming to be collecting a debt has been calling my phone, and my family 's phone relentlessly. When I picked up, I informed the person calling that I had no unresolved or outstanding debts yet they continue to call me and my family. When I researched the number that was calling there were many webpages stating that this was a phishing scam, in which companies take your social security number from old aggregate/loan sites and claim you owe money that they can extort by making all of these awful phone calls. I have contacted the XXXX, the federal trade commission, the attorney general of my state and now the cfpb. I will continue filing complaints until the receive the proper cease and assist and follow up with legal action if necessary.
Consumer complaint received 2016-09-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lionstone Holdings Group (TX)

Lion Stone Holdings Group has been leaving threatening voicemail messages on my home phone for 1 month. Threatening to sue, come to my home, and to escalate the case. ( file number was given ) A woman, XXXX XXXX, contacted me at work and wanted my SSN and birth date. Said she would show up at my home. 
I have no loans outstanding. Nothing shows up on my credit report. 4-5 years ago a payday loan was taken out in my name using identity theft. A Police report was filed then.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2016 I submitted a dispute to verify the accuracy of the public records listed on my credit report. Per the FCRA 609 a ( 2 ), FCRA 611 - 15 U.S.C 1681i and FCRA 603. Experian failed to comply with the FCRA requirements listed above. They only sent letter saying they verified the public record and never sent proof of the verification and the procedure of the verification process and never provided the name, address and phone number of the furnisher of the verification.
Consumer complaint received 2015-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

XXXX different Issues with Equifax concerning, XXXX different accounts with XXXX different companies : 1 ) I have XXXX accounts with ( creditor ) XXXX. The XXXX accounts were discharged via the Bankruptcy Court on XX/XX/2015. I disputed these accounts with Equifax and uploaded the Bankruptcy Order ( XXXX 2015 ). Equifax claim that they never received my dispute. Upon speaking with a Supervisor ( XX/XX/2015 XXXX at Equifax , she stated that they were using information from a dispute that I submitted in XX/XX/2015. I had not gotten a order from the Bankruptcy XXXX at that time. Equifax currently has the XXXX accounts listed as open, past due and in collections. 

2 ) Equifax has an account from ( creditor ) XXXX XXXX listed on my credit report. XXXX XXXX has removed the account from my credit report. I disputed this item. The account is currently still listed no my Equifax credit report. Upon speaking to an supervisor at Equifax , I was told that they were again using information that was submitted in a previous dispute that I filed. I told the supervisor that, XXXX had recently removed the account from my credit report. 
Equifax has refused to remove the accounts with XXXX and XXXX form my credit report.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WI)

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX Card services is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all three bureaus and repeatedly disputed directly with XXXX XXXX - Cardmember Services. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, XXXX, and Experian. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Experian on behalf of this matter of XXXX XXXX.
Consumer complaint received 2015-04-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (WI)

I, acting on behalf of a student organization that I 'm a part of, was XXXX-charged for insufficient funds by Chase bank. I had enough money in the account for XXXX transaction but not the other. I tried to have the smaller payment go through the system first, but the automatic payments did not work that way. When I asked them to refund me the overdraft fee, they did not. They cited that their company policy when transactions come in without timing information is to process the bigger transaction first, which seems very favorable for them, and very detrimental to their account holders. Obviously I agree that I should have been charged for the XXXX, larger item, but being charged for both just makes it harder for me to pay for either.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

Equifax is falsely reporting XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX as included in a Chapter XXXX bankruptcy. This is FALSE. Equifax has been repeatedly informed that this information is FALSE and it is now jeopardizing a home mortgage application. This is creating a huge liability for Equifax that I should think they would want to resolve immediately.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

You are reporting an incorrect address on my credit file. Please remove the following address : XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I have been victim of identity theft XXXX times now in about XXXX years time. I have filed complaints with Consumer Fraud and with the Credit Bureaus. Latest issue is so many hard inquiries on my file by auto finance companies I did NOT give written or oral permission to. Wrote them all and asked for copy of credit authorization form they have that gave them permission. None have been able to send any because I never gave them permission. Only XXXX dealerships were authorized, XXXX XXXX in writing, and XXXX XXXX XXXX orally over the phone. Yet there are XXXX inquiries total on my file with XXXX credit bureau alone. I know one has a XXXX day window to shop around for auto financing, and it only shows as XXXX Hard Inquiry. This has always been the case all my life, yet this time with XXXX XXXX, almost all their companies they dealt with show as Hard Inquiries on my credit. My file is supposed to flagged due to the identity thefts, and yet they are allowing all these other entities to check my credit WITHOUT a credit authorization formed signed my me. I have wrote Equifax and the others asking they remove those unauthorized inquiries and got back a form letter with a response that I can not understand at all ... .. '' inquiries are a matter of record of all companies that have accessed your credit file ... ... ''. The inquiries are still there and not removed and it has affected my credit score drastically. I am so tired of these automated responses that get absolutely nothing done whatsoever to protect the consumer ... ME! They have allowed all sorts of entries on my credit that I never authorized, and then I get calls from collection agencies for loans I never made, and the vicious circle and cycle continues. At my age of XXXX I should NOT have to worry about this kind of criminal activity on my credit but I am worn out and tormented with this constant struggle to clear this garbage off my credit files, over and over and over and over again, with the Bureaus, from MY point of view are NOT co-operating. After all, its MY CREDIT INFORMATION, and yet they treat me like I am the culprit by trying to get it cleaned up and corrected. This Bureau system sucks in my opinion and needs to be done away with. I will be long dead if that ever happens, so meanwhile I am tormented with having to deal with thefts, illegal inquiries, incorrect entries and Identity issues ... ..growing old SUCKS!!!! 
XXXX XXXX
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (GA)

My credit score dropped, and I was denied credit, as a result, because American Express reported late payments and charges, incorrectly. They had continued to place monthly charges on a cancelled credit card. They have now acknowledged their error, and ttheir most recent submission to the credit agencies should reflect that my account has been current.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I contacted Equifax recently to dispute a trade line entry in the credit report Equifax compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. Equifax indicated that the dispute would be investigated and a response provided within 30 days. Equifax closed the investigation without addressing the substance of the dispute ; rather Equifax performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that Equifax allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; Equifax facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. Equifax has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. Equifax 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

XX/XX/XXXXThis morning i woke up to catch my credit reports in a last ditch effort to see why my application to an apartment was denied. I checked all XXXX, and was only able to get my XXXX report. After looking it over, the reported information is correct. 
However the other XXXX i was unable to obtain due to some extremely obscure questions the system was asking me : Auto loans opened in XX/XX/XXXX, And XX/XX/XXXX ( I do n't own a car ) Credit cards with shopping centers, and banks, some in other countries. ( I have n't owned or been able to get a credit card, nor have i been XXXX. ) All of these things are quite are making me quite concerned. and I 've been unable to understand what is going on. 

I 've applied for XXXX credit cards in my life, ( XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, respectfully ) and XXXX were denied. I 've personally had past issues checking my credit, but wrote it off, as I never really required credit up until this point in my life. 

Judging from the questions i was asked, I have apparently applied, and got, several cars, houses, and loans in not only the United States, but somewhere in XXXX as well? 
I have n't been out of the state of TN since I was XXXX, ( i am XXXX, going on XXXX ) and I 've not been XXXX since a cruise I took when I was under the age of XXXX. 

I 'm a good, honest, and hard working individual that wants to get his life together, and pay back what i *DO* owe to *AN* apartment, and a single hospital bill, both totaling out to a little over XXXX XXXX ... 
I 'm concerned that my identity has been stolen, and scared that i 'm screwed and do n't know how, or where to proceed from here! Please, somebody out there help me!