davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (NC)

Recently I received my homeowners policy bill for XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, during XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX of dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...
Consumer complaint received 2015-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX = XXXX did an unauthorized hard credit check when i did not apply for a credit card. This caused a drop in my credit rating. I am notifying Transunion and XXXX but have been told that they will not remove it. I believe that this is totally unfair and illegal and they should fix my credit rating.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (FL)

I have been a loyal Chase customer for over 11 years and just recently my Chase account was reported negatively to the credit agencies. I am requesting for all negative credit reporting to be removed from all XXXX credit agencies. I was 33 days late on a payment. I never received any phone calls or notification from Chase to inform me of this late payment. This is my first ever late payment reported and I need this removed due to not receiving any phone calls, emails, or letters from Chase to inform me my account was delinquent. I feel because Chase did not properly contact me to inform me of the delinquency, I should not be held responsible for being 33 days late. As soon as I found out about the delinquency, I paid it immediately. I am currently in my residency and can not have this negative remark on my credit report.
Consumer complaint received 2016-11-28
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Neon Newco Corporation (NY)

I recently received a Brinks Money Debit MasterCard ( dba Skylight Financial Inc in XXXX, TX ) which I most certainly did not request. I check my credit score/inquiries regularly, and I 'm confident this is n't real or a result of a scam. I think it 's just a very well-divised, thorough marketing scheme. But it 's really quite alarming. 

The card had my correct name, a card number, master card logo, an expiration date and CVC 3-digit number on back. The letter attached had an account number, a routing number, was sent to my home address. I received a terms of agreement pamphlet, and skylight/us bank checks. 

Now I 'm having to go through the trouble of making sure that a. ) this has n't been identity theft ; b. ) none of this gets activated ; c. ) all the materials are thoroughly destroyed to ensure no future identity theft, etc. 

It 's just a XXXX, and if I were elderly or perhaps less tech-savvy, this would have caused a great deal of concern. This seems like really poor business practice. To essentially sign me up, put my name on something that I never requested.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CT)

I am again responding to JP Morgan Chase recent response to my request to have a question answered through the CFPB. I have already worked with over 24 of your representatives who knew nothing, had no idea of anything, nothing in the file, etc. Your recent assignments of more than 8 members of your legal team ( I assuming they are legal ) as they have managed to manufacture a response than 24 of their people had no answer to. No surprise there, I expected them to manufacture and provide 'answers'/'response ' to questions I did not ask. Oh, and I see I have another 'new one ' that will regurgitate the same fraudulent response as the others. Let me state my question again, since I guess I was not clear enough. 
*Did JP Morgan Chase while giving out verbal mortgages provide compensation in the form of commission to members of their mortgage dept. staff in the number of homes they could foreclose on? 
*Was this authorized by a department head, the CEO, or was this just 'rogue ' employees receiving and paying themselves commission for each home foreclosed on? 
*How many people lost their homes because of this action? 
*You see, giving out a verbal mortgage, and creating staff incentives for each foreclosure makes for a XXXX of an incentive to 'lose files ' not to be able to receive all documents on a timely basis, and so on. 
JP MorganChase, all I want from you to is to verify that this was common practice in your department, not the garbage response that you keep sending to me. 'XXXX.
Consumer complaint received 2015-12-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Audubon Holdings Group (TX)

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX from XXXX XXXX is calling me stating that I have to appear in court.
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

Citi 's mobile app and browser payment interfaces are designed to intimidate consumers into overpaying at each billing cycle. Terms are not consistently used across the different interfaces or in the official statement. The options presented for payment are " Minimum Due, '' " Statement '' ( also referred to as " Last Statement Balance '' or " New Balance '' ), and " Current Balance. '' In both payment interfaces there is no disclosure of the possible interest consequences of making only a Minimum payment as is mandated by the Credit CARD Act of 2009 for statements. Furthermore no clarification is given of what the different consequences are of the " Statement '' and " Current Balance '' options are. The only commentary provided for these terms are vague and intentionally intimidating warnings that these " may not pay your balance in full. '' The clear intention is to confuse the consumer into selecting " Current Balance '' which in the case of an account not presently carrying any interest, would be against the consumer 's financial best interests by making them loose the benefit of holding their money for a longer duration. 

When I contacted the Citi bank to clarify these definitions, they refused to provide any information due to security policy until I escalated the issue up through two different levels of supervisors. When I was finally allowed to speak with an agent about the question of what payment amount would be necessary to avoid the accrual of interest, they first told me that paying the " last statement '' was sufficient and then contradicted themselves to say that it was necessary to pay the " current balance. '' After this I had to get the intervention of a senior manager to actually get the agent to check their information and admit that they has misrepresented the amount needing to be paid. The amount they asked me for would have made me overpay by thousands of dollars. It remains to be seen if the agent was actually correct or not and if I will be charged interest despite what they said.
Consumer complaint received 2016-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (IN)

I took student loans out to help pay for college and my living expenses while attending college. Since I graduated, I have been on an income-based repayment plan. I have paid the amount due every month. My family has grown in size and it has been difficult to pay any more on my loans besides what was figured with the income-based plan. My loans have grown to almost {$20000.00} more then what I originally borrowed. I feel that this is extremely unfair because I was paying what has been expected of me. These loans have been in negative amortization almost the entire time I have been paying on them. I feel that this is predatory lending because I did not realize this would be allowed. I understood that I would have to pay back the amount I borrowed, plus some interest, but I thought that by making the payment that was expected of me that my loans would not grow this exponentially. I am so sick to think that I will owe so much more then I ever borrowed.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I attempted to apply for a mortgage and was told that my credit score was bad and I did n't qualify. I was suspicious because I have always maintained an excellent credit history. I was told I had a delinquent XXXX account. Since I 've never opened a XXXX account, I looked into it and I found that my adult step daughter ( XXXX XXXX ) and her boyfriend ( XXXX XXXX XXXX XXXX ) had opened up the account and used it without my knowledge or permission. I was lost and did n't know what to do, so to protect my credit I called XXXX and settled with them. I thought that was going to be the end of it and my step daughter assured me that was the end of it. Later in XXXX XXXX, I found out there was more accounts she had opened as my credit had gotten worse. I had my credit report interpreted for me by a credit consultant on XXXX/XXXX/XXXX and found XXXX more accounts that had been opened and defaulted on that were not mine. My step daughter and her boyfriend also admitted fault on those accounts and have signed a written document accepting liability. 
I filed a police report after consulting with several consumer protection agencies and received their help. I was completely lost on what to do. Now that I have received guidance and been informed I understand that I have no liability to pay. 

On XXXX/XXXX/XXXX I notified Chase in writing about the situation, and provided them a copy of my official police report and notarized fraud affidavit. This resulted in an investigation that went back and forth were several chase representatives assured me I would be found not liable or responsible for this fraud. Ultimately they found me liable for this and are continuing to harass me literally daily by placing several phone calls to me to attempt to collect payment. I am not sure how they found me liable, but this is completely unacceptable. Please understand the facts. 
Again, the person who is responsible for this fraud is my step daughter and her husband, they have admitted full liability already. They used the fact that I work out of town and only come home on the weekends to keep the statements hidden from me. They opened up several accounts not just CHASE. Not being informed and limited XXXX proficient, I did n't know what to do when I discovered the fraud. But now I am informed and will not be bullied. I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. After being formally notified and being provided copies of XXXX the law enforcement report and the fraud affidavit CHASE continues to disregard the facts set forth in this case. The willful negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section 530.5 and Civil code 1798.11.2 -
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please remove ASAP.
Consumer complaint received 2017-02-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

My father had XXXX CDS with CIT BANK XXXX XXXX Bank. Home base for CIT BANK/ONE WEST is XXXX XXXX. He died on XXXX XXXX, 2016 in his home state of XXXX. His will was probated in the XXXX Courts, approved by the judge and an estate account was established. My brother & I are joint administrators for the estate. My brother contacted CIT BANK in XXXX 2016 & provided all data necessary to have the certificates redeemed and a check issued to the estate. CIT refused to honor the documentation as it is their policy to not honor the estate that is housed outside of XXXX. They insisted we had to file a new probate in XXXX to have the funds released. CIT BANK DOES NOT HONOR SISTER STATES PROBATE. I contacted the XXXX XXXX XXXX XXXX advised me to contact both you and the XXXX. The Chief Deputy Attorney General must have notified CIT Bank because 2 weeks later, my brother received a call stating they are sending a form that needs to be completed, signed & notarized by the both personal representatives and then the funds would be released. The condition, we had to close the accounts which ironically that is what we wanted to do! The form we received was an official CIT BANK form, affidavit of sister state personal representative. We were allowed to complete, sign, have notarized & SCANNED to the company. No hard copies necessary. We did receive the funds within 10 days however, I am still writing this complaint because my dad had a lot of assets in different institutions from XXXX XXXX to XXXX XXXX None of the other companies put us through this ordeal. It is stressful enough to lose your last parent and trying to settle the estate knowing that you are getting this money because your parents are both deceased .And if we would have to had to open a second estate, estimated costs of {$11000.00}. That would have eaten into the original balance of the funds plus interest..The estate left the funds to my brother, myself and the XXXX grandchildren. My dad served in both XXXX and XXXX. He was an intelligent man and his mind was very coherent to the end. I believe that CIT DID NOT DISCLOSE anywhere in the disclosures that if the owner of a certificate of deposit passes prior to maturity, the bank will not honor estates established outside of its home state which they perceive as XXXX. I feel that clients who want to invest with financial institutions be made aware that this bank will not honor out of state probated estates. 
thank you.
Consumer complaint received 2015-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

In XXXX of XXXX I reviewed my credit reports from both Equifax and XXXX. I noticed that both my primary mortgage with XXXX and XXXX mortgage with XXXX XXXX were incorrectly being reported as part of my Chapter XXXX Bankruptcy. Prior to the confirmation of my Chapter XXXX case the home was sold in XXXX of XXXX and both mortgages were paid in full. Both of these accounts were ordered expunged from my Chapter XXXX case in XXXX of XXXX because they were not included in my bankruptcy. In XXXX of XXXX I opened disputes with both Equifax and XXXX. XXXX corrected their records after investigating and they now correctly report the mortgage as not included in the Chapter XXXX Bankruptcy. XXXX XXXX replied that they are reporting it correctly as included in my Chapter XXXX Bankruptcy based on their records. Copies of the Federal Bankruptcy judge 's order, the mortgage satisfaction document from XXXX XXXX, the XXXX XXXX mortgage marked PAID IN FULL have been included with each investigation in XXXX of XXXX and also separately to XXXX XXXX on XXXX XXXX, XXXX. I also included my current Chapter XXXX Trustee report showing the XXXX XXXX mortgage as expunged and provided my Chapter XXXX Case File number so that XXXX XXXX can verify the data themselves as a creditor at XXXX the Chapter XXXX Bankruptcy National Data Center. Despite receiving multiple copies of the Federal Bankruptcy court order and supporting documentary proof, as of XXXX XXXX, XXXX XXXX XXXX insists they are reporting the account correctly as being part of a Chapter XXXX Wage Earners Plan even though it has a {$0.00} balance, was paid in full and ordered not to be part of the Chapter XXXX Bankruptcy by a federal judge.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (PA)

XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

I have paid off several debts with pressler and pressler a debt collector. however they keep sending communications about debts which have been closed.I believe they keep my name on file to operate a scam. whenever I make contact with them and try to get verification of the debt they refuse to corporate.The debts I have already paid were beyond the original amount owed.They often carry out their scam under the protection of the sheriff deputy.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (LA)

Chase is reporting XXXX credit card accounts on my credit reports that are over 7 years old form last active and past the 3 years of statute of limitations of debt collection. Chase/BestBuy Card ( XXXX {$540.00} last active XX/XX/XXXX ), Chase Credit card ( XXXX last active {$2700.00} XX/XX/XXXX ), I have disputed these account to be removed because they are over 7 years old and past the statute of limitations.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Complaint Description : I was told that once they received a documentation that an account that was not mine was to be deleted, they would remove it. This did not happen. On XXXX XXXX I notified that a collection from XXXX XXXX was on my credit report. The apartment information listed shows the wrong apartment number as well as the wrong number of lessees. I was told that a dispute could have a turn around of 90 days with each party having 30 days to contest or prove information listed. The agent from the collection, XXXX XXXX agreed to have the collection removed from my report with 30 - 45 days if paid in full. I received the deletion letter shortly afterward ; however the complex I found agreed to hold the place but for just 2 weeks and it is imperative that we move by XXXX XXXX. When I called Equifax to see if the process could be expedited, they stated I would have to dispute it and once it was confirmed that it is to be deleted they would take it off. I was told that the dispute was sent XX/XX/2016. The confirmation number is XXXX. I received a copy of the correspondence from the collection agency showing that the deletion request had been sent to XXXX, XXXX, and Equifax on XXXX XXXX. This collection was received by reported to be received by both XXXX and XXXX on the XXXX. Equifax stated they had not received it. I contacted the collection agency and it was confirmed by XXXX XXXX, the Director, Phone number XXXX, that they had responded to the dispute. Both XXXX and XXXX have removed the account ; however Equifax continues to state they did not received anything ; even though I have a copy of the correspondence sent to them. Today, XXXX/XXXX/2016, after speaking to an Equifax manager, XXXX, she was stated that she did not oversee that the department that oversees these disputes even though the department I contacted was the dispute department. She then stated there was no way she could find out if it had been received. When I requested the contact information for the department who could answer the question, she initially stated that she did not access to that information. After requesting that she not belittle my intelligence and as a manager I am sure she has access to every number there, her statement was revised to her not being able to provide that information to consumers. She disregarded the fact, I received notification of the deletion being sent and was very unhelpful. This is a time sensitive matter in which they are not honoring their own policies.