davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

XXXX and Equifax has reported this on my credit report.Keesler Federal credit union : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called XXXX, and equifax about this inquiry, but the problem wasn't resolved.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (WA)

Found out on XX/XX/XXXX that my credit card through Chase was declined. Called Chase that day explained the issue and talked to multiple people. Many didnt know why. Was told that I failed to fill out XXXX forms that they had sent ( SSA-89 and W-9 ). I was never alerted electronically ( email, text, app ) that my account was going to close due to these forms. Ive also never had to fill out these forms for any other credit card Ive had. 

I was told i could provide these forms to a chase branch. I traveled to a local chase bank later that day. The employees there were confused about what was required. They said that they couldnt accept the forms I had filled out. They had someone call their credit card office. After being on hold for too long, the bank employee gave up and told me to call them myself. 

I called Chase the next day explains what had happened. I was told I could make an appointment to hand over the forms and that this might lead to my account being reopened. I went online and made an appointment with a different branch and wrote down that i needed to submit a couple of forms. I get a call later in the day from the branch telling me that they dont deal with credit cards. I was told that I could send these documents online via the app. 

So I went on the app and went to the document upload link. There, it only let you upload forms for a dispute. Since this was the only option available, I selected it, gave a made up claim number, and uploaded the documents, hoping someone would get it and know what to do. 

This did not seem to work, and I have gotten a couple of letters informing me that I need to fill out the enclosed form if I want to change my name. Not what I was looking to do. 

I called Chase again on XX/XX/XXXX. I told them that my account was closed due to not submitting the forms, and that i wanted to open another account. After XXXX transfers, I was simply told that it would not be possible, due to the card having a promotion and that they didnt want me to take advantage of that promotion twice. They could not issue me a card without the promotion.

So Im stuck with a closed account with a lot of points, and possibly no way of reopening. Most of the people I talked to were unsure or thought it was possible. I feel that myself and the employees are uninformed as to what happened and why.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020  and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (TX)

The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am reporting the incorrect and invalid data that has been listed on my credit to delete an remove all the data listed that is not following the FCRA. this has been an ongoing issue an reported as identity theft. please review an remove the listed item to help clear my credit report asap.
Consumer complaint received 2015-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (NY)

In 2011 XXXX XXXX XXXX XXXX XXXX NY investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of XXXX to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from XXXX to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for XXXX.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX NY found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

Back last year I filed a complaint due to the fact that I have an FHA loan and had requested forbearance due to hardship because of covid and Selene finance told me that my fha loan was switched to a conventional because of a late payment they also stated this to cfpb which is incorrect. 4 different times I have requested ALL account stmts, payments, and all loan documents showing where this is not fha and that it is a conventional loan and they have yet to send anything but what can be pulled up on the account on the system for the last 2 years which is what was verbally held I had HUD research the case number and they found that someone dropped the ball and did not file the case number. I also spoke with a lady who stated that there were bankruptcy papers in our file and this was incorrect. Once I got the attorney for them involved and cfpb and hud counseling they stopped the forclosure and were supposed to be doing a real forbearance for the last 2 1/2 months I have called and called and went straight to voicemail or customer service who gives me the same number and option I called into to set up our payments that we can make now and I finally got through today after learning that we are being foreclosed on XX/XX/XXXX this isnt right we signed at closing a note that is fha in XXXX and no where Is there a conventional loan documents signed All we want is for them to follow what was originally signed and are even willing to sign a new note after the original loan paperwork, payments fees has been sent to us as requested in writing several times and been investigated on there end as well and then a repayment plan done. We are on the middle of having to replace all kinds of stuff in the home including roof, plumbing, and the whole sunroom. We would honestly be better just walking away from the property at this point but this is our home that we are trying to keep and just want this all fixed so this is continue to happen Thanks Forbearance was requested in writing and verbally to Selene an acknowledgement was received on each one but nothing was ever sent to us. Please advise how we need to proceed. I am also going to go to XXXX XXXX, my colleague at OIG, FOIA with HUD if I do not get any kind of answers by XXXX. Regard to the mass amount of calls but its unfair to never answer until week before its going to auction especially when we are wanting to set up pmts to repay this and get back on track for the last 2 years. Please get a solution for us that is reasonable I have our original note, dot, all other paperwork as well as pmi payments to we have paid on this loan .if this needs to be sent we can upload this
Consumer complaint received 2020-12-29
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: SYNCHRONY FINANCIAL (LA)

An Paypal account showed up on my credit report that was not mine. Since I'm a paying member with XXXX through their " XXXX '' program, I called for assistance and was told to file a dispute, which I did on XX/XX/XXXX. Their reply on XX/XX/XXXX led me to believe that it was taken care of and that my credit report would be updated. This account continued to show up month after month and I continued to dispute this ( XXXX Report # XXXX ) until their last reply basically told me to stop disputing the same account as " your information has already been verified. '' I did everything I was instructed to do to help remove this account from my credit report and to stop the account all together. Meanwhile, I had been calling the company ( Synchrony ) to let them know as well. They would only allow me to stop the account even though I could provide them NO information, no account number, no purchases, nothing, AND they did not have my phone number or my email on file. They could only find it me in their records through my SSN, which XXXX flagged for me when all this started. So fast forward to XX/XX/XXXX and I've been served with a court ordered petition regarding this same account that I have been disputing since it showed up on my credit report back in XX/XX/XXXX. Yesterday XX/XX/XXXX, the XXXX rep that I spoke to filed a fraud claim for me and suggested I file a complaint through FTC.gov with then redirected me to this page.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. Auto Sales Inc. (FL)

Us auto sales sold me a car that had a recall on it. When it broke down I could not afford to pay it and fix the vehicle so I had no Choice but to let it be repossessed. They got it in XXXX  XXXX. it was supposed to be sold in auction and I be notified of what it sold for and balance. Never received anything! Here it is XXXX and this company is still reporting on my report as if I still have the vehicle. I thought after 120 days a company has to report it as charged off on my report? Its not in charged off status on my report! Why?
Consumer complaint received 2020-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

XXXX My XXXX Husband was subject to XXXX discrimination at CHASE BANK XXXX XXXX XXXX Washington. XXXX XXXX, XXXX XXXX and I complained about this treatment. Extra identification asked for. Stalled deposit. Etc. 
XXXX. 
A VETERAN XXXX, had XXXX during pandemic. On XXXX  and needed power paid. He was CHASE customer too. I begged CHASE to help XXXX XXXX get his power paid and he wanted a headstone. Chase told XXXX police and adult protective services that we may have harmed or Killed veteran WE PAID to feed since XXXX. Falsely and With malice made up stories to have Police check on XXXX and investigate ALL our accounts. Which showed we didnt not take advantage of XXXX. XXXX told police that he wanted to transfer to my chase all his money. Im old school wanted check paid directly for two bills. I said NO to transferring me money. CHASE denied POA from me. Then AGAINST THE XXXX NURSES wishes CHASE and a neighbor set up to bring veteran XXXX XXXX into XXXX XXXX XXXX with XXXX and XXXX XXXX became joint Account. XXXX was on XXXX XXXX. XXXX  XXXX patches. XXXX XXXX XXXX. 
Our area was epicenter. Pandemic XXXX no immune system. Dangerous and wrong. XXXX and chase bounced care giver XXXX walls paychecks. XXXX took thousands from XXXX. We feel CHASE employees intentionally mislead police and XXXX about the ask for CHASE to work directly with XXXX via XXXX camera and I brought his debit card and expired license and veteran ID. XXXX ASKED me to show them video and ID to get them to help him. XXXX died 2 weeks ago CHASE cheated him out of his headstone and chase employees helped the veterans money to be accessed by a person who took thousands. 
CHASE bank seems to think this is all fun and games and they have the power and right to lie about customers. Not acceptable.
Consumer complaint received 2020-12-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XXXX 2019. This data was sent to Equifax, XXXX, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had an account with Bank of America for over a dozen years. I did not use their credit card for several months because I received better rewards at another bank. But they decided to close my account without warning or notice. As it was my oldest account, the closure dramatically lowered my credit score, and the company took away the cash rewards that I had available. When I called to reinstate the account, customer service told me that all I could do was start a new account and lose all of my longevity and rewards.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (OH)

I currently have a loan with Lincoln Credit, for a XXXX XXXX XXXX. I purchased this vehicle used in XXXX. I got sick and was put on XXXX last year. I struggled to make payments. COVID hit, furthering our financial situation. Ive kept Ford/Lincoln Credit in the loop and they have allowed several extensions. I fell behind again in XXXX ( Missed 2 payments ). I received a 1st class letter from Ford, which was delivered 3 weeks late from the USPS, stating I must make a payment prior to XX/XX/XXXX, or my loan will be transferred? On XX/XX/XXXX, I attempted to make a phone payment, without success, then again online, without success. It seems my account was suspended and would not accept payments. I left spoke to a customer service rep and was told that someone would call me back ( which never happened ). On XX/XX/XXXX, I called again to finally reach someone in the correct department ( after being transferred many times and being on hold for almost an hour ). I was told the loan was charged off on XX/XX/XXXX. I explained my situation ... she originally requested the payoff amount to prevent repossession, however accepted the past due with late fees to prevent repossession. I feel that this is unfair because I was never properly informed that a charge off was upcoming. Due the USPS delays I was not timely notified. Please help!!!!
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (CA)

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX XXXX my bankruptcy was discharged. XXXX XXXX, The mortage company first told me i had to reaffirm the debt. I called my lawyer and he said in California, you can not reaffirm a mortgage. I continuously paid my mortgage but they refuse to report it on my credit report. XXXX XXXX, I talked to XXXX Bankruptcy Department and they stated all I had to do was send credit bureau my payment history and they will put it back on. I Sent the information in and the credit bureau and they said XXXX has to report it to them again. I have attached my payment history to show that I have been continuously making my payment. 
XXXXXXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Acct # XXXX
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One keeps changing the statement date from the XXXX  of the month till now the XXXX  of the month, but not giving the allowed grace period to pay the balance, always the pay date is on the XXXX  of each month, every month is shortening the grace period agreed when account was opened.
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NJ)

I called Chrysler Capital XX/XX/XXXX to ask for assistance with hardship for my lease agreement. I am self employed and have been affected by covid once again since businesses are closed. After waiting on hold for 25 minutes and talking to their " assistance center '' I was hung up on by the gentleman who seemed to have an attitude. I spoke with a rep who first said they would push back the payments for 2 months and transferred me to the " assistance center '', the rep at the assistance center had attitude and hung up the phone. I went through this same EXACT issue back in XXXX when I was impacted by Covid. Back in XXXX, I called twice, first they told me they had no options available after my husband had just spoken with them and received a 2 month deferment for hardship, then the rep had attitude and then I was again hung up on. 

I've been a customer in good standing since 2018.
Consumer complaint received 2020-12-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Kentucky Higher Education Assistance Authority (AL)

I first started receiving calls from Kentucky higher education after my dad died in XX/XX/XXXX. I avoided the calls at first but then decided I needed to clean up my credit so I answered the phone. I assumed due to my state of mind after my dad passed, this was the loan I got years and years ago. I even set up payment arrangements with the school so I could pay back hello. Well as I was getting deeper into my credit report trying to get things fixed I noticed other fraudulent activity on my credit report. Like having two other social security numbers linked to my account. Also several other accounts that were not mine and have since been removed as I look over my credit report I noticed the school that I originally got the loan was on there and the account closed. So as I'm looking at this Kentucky higher education it shows I've even made payments which I had not prior. It shows I got the loan in XXXX and I did not get a loan from that school in XXXX. I disputed it on my credit report and because I had signed an agreement they said that it was legitimate. I also reached out to the school and when they finally called me back, I had a long discussion with hey lady about my account I asked her to send me the original documents of the loan where I had initially started the loan with the company. I still have not received that documentation via email. She also went on and on about all the processes I would have to go through, which in turn, I told her that was not my loan. I'm not going to pay a loan that is not mine I will be taking action. I called and spoke with a lady with the credit bureau who led me to reach out to you guys. Please help me with this matter as it is going to prevent me from getting my stimulus or anything else that may come from the government like my tax return, ect. I do not owe this loan, and I can attach a copy of 2 of my credit reports. Then you can see that I did not get this loan and also see all the other fraudulent activity that was on my account. Thank you so much for your time and I hope to hear back very soon.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.