davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I placed a freeze with ALL 3 credit reporting agencies due to the Equifax breach last year. I'm finally at the point where I want to permanently remove all freezes from these accounts. I had ZERO problems unfreezing my accounts with XXXX  and XXXX but am currently trying to undo the freeze on my Equifax account and can't use their online service and their people are only in the office Monday-Friday over the phone. I need to have background checks done to move into an apartment and think that it's ridiculous that the credit reporting agency who started this whole mess for me in the first place is the one holding me up for getting a background check done to move. CAN SOMEONE PUT THE INCOMPETENT BLOCKHEADS WHO RUN EQUIFAX OUT OF BUSINESS ALREADY?!?!?!
Consumer complaint received 2018-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (OR)

On the XXXX of XXXX, 2018, I was looking through the process of what it would be like to have a co-signer help me apply for an auto loan through JP Morgan Chase Bank. When I was looking through the process, the computer randomly froze and a message popped up saying Were sorry, this part of our site is unavailable right now. 
I thought nothing of it, but then when I went to check my account, I had a hard inquirie from it, regardless that I didnt E-sign anything or that it didnt even go through. 

After looking, I see now that I have more than one inquirie from Chase Bank like this one that I never consented to or knew would happen, which I find to be very misleading. The Auto Financing option should not give you hard inquiries by simply looking through their cars, options, and processes. Now I have hard inquiries on my account from not even applying for the loan.
Consumer complaint received 2018-09-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMK Investments Inc (IL)

I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX  : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with XXXX XXXX XXXX that has provided hundreds of thousands of dollars in restitution for consumers across the state.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

You continue and are persistent in maintaining erroneous reports and accounts. I have contacted original creditors that I settled accounts with, no contract exists and when an account or debt is settled it can not be sold or reported again. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX {$920.00} XXXX XXXX {$900.00} XXXX XXXX {$850.00} XXXX XXXX {$150.00} XXXX XXXX {$150.00} XXXX XXXX
Consumer complaint received 2017-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (PA)

I am a card holder and have been one for some time. I have never experienced a problem until this month when one of your practices, obviously designed to deceive customers and trick them into late payments for which you receive additional fee benefits, caught me too.
The due date remains constant but cycle dates change which misrepresents when obligations are due and credited. My due date is the 6th. I made it on the 8th and you credited it to the month prior to the 6th and since I thought my payment was made I tendered no additional payments until I received a call notifying me my payment for XXXX was applied as an extra payment to a former cycle making me late. 

The customer service rep was nice and required me to make a double payment immediately. 

You should not be allowed to arbitrarily apply payments to enhance your fee income. I also believe the double payment was arbitrary, unnecessary and saddled me with an additional amount due, which I did, but it I believe it is overkill. 

I have had this care for a long time and have a balance now because I am doing some home improvements. I plan on paying it off in the next couple of months and will likely close out this relationship because of this unethical and possibly illegal practice. 

I will be sending this complaint to the Office of the Consumer Financial Protection Bureau in the hope that it will open an investigation and possibly to force you to return to fair credit practices. I also wonder how many other consumers have suffered because of this practice. 


Sincerely, XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau.
Consumer complaint received 2018-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, XXXX and Transunion all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
Consumer complaint received 2018-09-16
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: Experian Information Solutions Inc. (NV)

I attended XXXX XXXX XXXX College for 2 weeks and I dropped out back in 1988 due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I have a resolution from Wells Fargo stating that they have committed fraud on my credit report. To this day there is false information on my credit report for four accounts that were not authorized by me. Wells Fargo has recognized the errors after three years of having to dispute this issue. But my credit report is still showing the errors.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I called USAA on XX/XX/XXXX to report my Amex stolen. I later received an account notice that card info for XXXX XXXX  had been updated to allow purchases while a replacement card is shipping. The morning of XX/XX/XXXX I attempted to purchase groceries and the XXXX XXXX  was denied 3 times. Upon contacting USAA they denied existence of the notification and said nothing about my having been informed of continued access to my credit and subsequent barring from use. I think this is a violation of consumer protection and credit standards.
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of a phishing scam as a XXXX at XXXX XXXX. Received a message at the email address given to me by XXXX XXXX of a job offer from a supposed Professor of XXXX XXXX XXXX XXXX as a XXXX. The job said all I had to do was XXXX XXXX, XXXX XXXX and make some purchases that he would pay for by sending me echecks through email that I would print out and deposit in my account since he couldnt do it himself for being out of XXXX until school began. On XX/XX/18 I began by purchading a printer, business check paper to print checks of up to XXXX $ each. He sent three checks on that day and I purchased 7 XXXX gift cards he said XXXX XXXX XXXX   used to purchase an app with programs that mentally disabled students enjoyed and one of the checks was supposedly to cover my pay of XXXX $ a week and the cost of the other purchases. Only one check cleared that day and I got skeptical so when he asked me to buy more cards, I hesitated and told him I would wait till checks cleared if at all. It took two days for the other two to clear and that only made me believe the job was legitimate. The next day I was skeptical still and called Chase bank to ok some high amount purchases for the gift cards. They had emailed me to check if I made the transactions and I asked if the checks I deposited were real or if they were fake and could bounce but the funds cleared and I thought the checks were legit. U called school to check is the professor and job were real on Friday XX/XX/18 but it is closed on Fridays for summer so I continued depositing checks for more cards for a total of 9 checks until the next day Saturday when I quit the job. Four days later on Wed XX/XX/XXXX all the checks had bounced as fictitious and my account went from XXXX $ to XXXX $ cause Chase appropriated my money to cover the check amounts and charged me with the remaining amount as overdrafts.
Consumer complaint received 2018-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

SANTANDER/XXXX XXXX XXXX. 1 ) 3 COMPLAINTS FILED WITH NYS DEPT.of FINANCIAL SERVICES. LENDER PROVIDES NYS WITH CORRECT ANSWER THEN TAKES OPPOSITE ACTION WITH THE BORROWER. LENDER HARASSES BORROWER WITH COLLECTION ACTION BOTH WITH CORRESPONDENCE, PHYSICAL HARASSMENT BY ENTERING MY PROPERTY, AND PHONE HARASSMENT. AS OF TODAY MY MORTGAGE IS PAID TO DATE AND THE NEXT PAYMENT DUE IS XX/XX/XXXX TO COVER THE PERIOD XX/XX/XXXX -XX/XX/XXXX. THIS LENDER BELIEVES THEY ARE ABOVE THE LAW. IN XX/XX/XXXX WE HAD A CHAPTER XXXX BANKRUPTCY DISCHARGED IN THE STATE OF NEW YORK. WE NEVER REAFFIRMED OUR MORTGAGE WITH SANTANDER/XXXX YET LENDER IS CONTACTING THE BORROWER WITH THEIR 3 PRONGED ATTACK. THEY EVEN ADMIT TO AS MUCH IN THEIR RESPONSE DATED XX/XX/XXXX. THIS NEEDS TO BE STOPPED IMMEDIATELY AND LENDER SHOULD BE PENALIZED FOR THE FULL AMOUNT OF THIS MORTGAGE. WE PAY OUR MORTGAGE MONTHLY ON OR ABOUT THE XXXX OF EACH MONTH AND HAVE CONTINUED TO DO SO SINCE SOME EXTREMELY DIFFICULT FINANCIAL TIMES ( HURRICANE SANDY FOR 1 ECONOMIC COLLAPSE 2ND ) THIS LENDER HAS NO RESPECT FOR THE LAWS THAT PROTECT US DURING THE DREADED BANKRUPTCY PROCEEDINGS. PLEASE TAKE ACTION.
Consumer complaint received 2019-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (IL)

Children 's Hospital of XXXX ( XXXX ) sent a {$470.00} bill to collections with Amcol Systems that was paid in full through XXXX ( XXXX ). 
-The date of service for the original bill from XXXX was XX/XX/XXXX. 
-XXXX paid via Check on XX/XX/XXXX -I received monthly bills from XXXX. I called in to XXXX on some of those and was told to call back in 30 days if the payment still hadn't posted. 
-On XX/XX/XXXX XXXX sent a letter to XXXX on my behalf detailing that the claim in question had been paid on XX/XX/XXXX and my outstanding balance was {$0.00} ( There was another contact with XXXX sometime after the first conversation to check on the response from XXXX, but at that time they had been unable to get in contact with anybody at XXXX to explain that the debt was paid in full ) -On XX/XX/XXXX I received a letter from AMCOL systems attempting to collect this invalid debt. 
-I drafted a letter dated XX/XX/XXXX disputing the validity of the debt with AMCOL I am also submitting this dispute on XX/XX/XXXX with evidence of the actions taken above in hopes of resolution. I have since moved residences and changed insurance companies due to a job change and this has complicated efforts to resolve this illegitimate collection attempt.
Consumer complaint received 2018-09-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NV)

In XX/XX/2017 I submit a complaint regarding two medical bills from CMR Financial, one of them was paid for my medical insurance and the second medical bill I made a payment arrangement with the company, and was told from them if I make payments on time they won't report to the credit agencies but was my surprise they reported the two accounts in my credit report, right now appears in my credit like derogatory of course the accounts has XXXX balance, because like I said before one of the accounts was their fault to report something that was paid, I proved with all the documents that I was right, and then they removed the balance from that bill, but still they reported to the credit companies.

The amount of the bill was {$6600.00} Member rate : {$1200.00} I just had to pay my coinsurance of {$200.00} plus my co payment of {$200.00} that was the money I paid for {$400.00} and made a payment arrangement of {$5000.00} a month that was paid long time ego
Consumer complaint received 2018-09-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I've been fighting with USAA for close to a year now about some credit card accounts opened in my name, as a result of identity theft.

USAA continues to Deny my appeals, and says they have determied the charges were authorized.

When I first opened my USAA account back in like XX/XX/XXXX, I only ever had a checking account, I never had any type of credit card loan through them.

Then around XX/XX/XXXX or XX/XX/XXXX I stopped using USAA and started using my Credit Union, since there arent enough USAA branches in my area.

I was not using anything credit related, so never really had a reason to check my credit report, though I knew I've always had pretty good credit. 

Then last year I applied for an apartment lease, and was denied based on my credit rating. So Immediately I went online to see what was going on, and to check my credit score. 

It was then that I discovered roughly 20 or so different credit cards and loans all taken out in my name, and maxed out. of the ~20 cards, 2 or 3 were USAA , along with 2 personal loans from USAA as well. 

All these cards and account were all opened within 1 month of each other, yet I was never contacted for any kind of verification or validation of these applications. 

I've explained all this to USAA multiple times, and they have continued to deny my appeals, for reasons i have not been given. 

Of the ~20 cards I previously mentioned, just about all of the other banks have removed them off my credit report, the 1 major bank still causing me problems is USAA . 
XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
All of these banks cleared me with no questions asked, I never could have guessed that the 1 Problem bank would be USAA.