davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I have requested a method of validation on an account multiple times since XX/XX/2016 for my account from this debt collector. The account is from the debt collection " XXXX XXXX XXXX ''. Every single time they have never responded or sent me any information about the account because I know that they truly dont have any and cant validate it. The account was for a hospital bill which was invalid because I actually declined services from the hospital and I did not sign any paperwork nor receive any treatment from them. I asked all three credit bureaus to verify with XXXX XXXX so that it could be removed from my account due to being invalid from non-validation. Well I have made multiple requests to the credit bureaus XXXX, Equifax , and XXXX and that will not delete this report even though XXXX will not send me any proof of validation! I should not even have had this on my credit report to begin with. I want it resolved as soon as possible. And please dont come on here saying that you all called, or that you sent me a letter in the mail on some previous date because thats a lie and I never received anything from you and I have been receiving my mail from the other creditors and the XXXX bureaus just fine. I asked Equifax , XXXX and XXXX over 3 times to provide me with proof of validation of this account or some paperwork before saying its accurate and that paperwork was never provided. I am inclined to believe that they never truly investigated it to begin with.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

Was a cosigner and instead of checking main applicant, salesman took it upon himself to totally check my credit without notifying me until the day to sign I find out the loan was all me instead of the actual individual that I cosign for. That is why I have so many hard inquiries. 
Thanks
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

Equifax is reporting of a fraudulent hard inquiry for XXXX XXXX, 2015 from XXXX XXXX. XXXX XXXX says they have sent letters trying to rectify and Equifax say no such letters exist. XXXX removed the fraudulent hard inquiry but Equifax will not. Plus they have my name misspelled and incorrect on my credit file. I have been calling XXXX XXXX for over a year and nothing has been done to fix their error.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CT)

Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PR)

TODAY, XX/XX/XXXX, FOR THE FIRST TIME I APPLY FOR A CREDIT REPORT AND MAKES QUESTIONS OF ACCOUNTS FOR XX/XX/XXXX LIKE XXXX CARD, CARS ACCOUNT ETC, WHEN I JUST HAVE XXXX YEARS I LIVE WITH MY PARENTS AND I DO NOT HAVE CREDIT CARDS OR AUTO, WHAT I CAN DO AS I UNDERSTAND THAT SOMEONE HAS STOLEN MY IDENTITY
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OR)

My Equifax and XXXX reports are saying that I am utilizing over half of the available credit I have, because they are reporting that XXXX of my cards that have a zero balance, still have the balance prior to my paying them. What 's odd is that right after I paid these XXXX cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NE)

XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (CO)

Chase is currently offering an introductory promo for their new Chase XXXX XXXX card. The double bonus can only be offered if I apply through a branch, and is honored until XXXX XXXX. I have made numerous appointments with bankers at our local branches, even taking time away from my own job, costing me time and money. I am repeatedly getting an error in the branch while trying to apply through their in-branch system. I ca n't even submit the application. No one has any update for me, except for it 's a " known issue ''. In my previous experience as a Chase employee, that means they know but do n't have a solution. 

The issue I have is that my girlfriend came with me to apply for her own XXXX XXXX card. Her application went right through, and got approved. They ca n't even submit my application. I 've spoken with off-site supervisors of the credit card support team ( via XXXX ), and asked if I could apply online and they go back in and reward me the extra points if approved. They said there is no way. 

Are n't there regulations regarding making the same options available to all applicants? All are allowed to apply for credit. When I was a Chase banker, I could n't discourage any applicant from applying, no matter the circumstance. They will not accept my application without me forfeiting what equates to {$750.00} in travel when redeemed through their offerings. 

Please help me deal with this, CFPB.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

Today, XXXX/XXXX/2016, I went to Chase Bank Branch XXXX in XXXX, Texas to make a deposit on behalf of my employer into THEIR account. The deposits consisted of XXXX check, {$200.00} in cash and {$.00} in cash. 

I was asked to supply MY ID for the cash deposits. I 'm sorry, this is not MY personal business account, this is my employer 's business account that I am doing the daily deposits to on THEIR behalf. 

I am not and should not be placed in a position of being responsible for the veracity of the cash submitted for deposit. I am simply depositing funds from the previous day 's transactions. 

My understanding is that the US Government requires identification to be provided for transactions exceeding {$10000.00} to combat money laundering. However, this was not a transaction to or from MY accounts, nor was it in excess of that dollar amount threshold requiring identification. Myself and my employees at my location should NOT be forced to provide identification that is logged in connection with our employer 's account, EVER. This is a ridiculous policy on it 's face and invasive overall. 

Should the money be flagged as having an issue ( counterfeit, used in something clandestine, etc ), an employee making a deposit on behalf of their employer should NEVER be tied to that account in any way, shape or form.
Consumer complaint received 2016-10-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XXXX, XXXX Chase Auto Finance was asked to substantiate a claim for an auto loan on a XXXX XXXX XXXX by providing a true and certified copy of the complete audit trail of the account. A copy of the company 's tax registration certificate was also requested. In response, I was sent a copy of the account statement. I sent another letter on XXXX XXXX, XXXX reiterating the original request and, to date, I have not been given a response.
Consumer complaint received 2015-10-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2015 in the am, I went in to my local Chase Bank branch to cash a payroll check. I asked the teller if there would be a hold on the check and if it was more than 2 days I would rather go to the bank the check was drawn on and cash it with them. She advised me that there would be a hold until the morning of XX/XX/XXXX. I explained that I have children and need to pay necessary bills and get food and wanted to make sure it would be available. She assured me it would and circled my receipt showing it would be available on XX/XX/XXXX. Today, XX/XX/XXXX, the check is still on hold. I called the bank and they told me the check is now on 7 business day hold until XX/XX/XXXX and would not give me a reason. I called the bank the check was written from and they said it should have cleared and Chase paid in 2 days. Chase is now charging me NSF fees for items coming through. I have XXXX accounts with them and XXXX of them is now negative and I am unable to transfer funds to bring it positive. They are charging fees in that account now as well. This has caused a hardship. I could have just cashed the check and had the cash to deposit if they would have been truthful about the process.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

An Account Representative Helping Me open a checking and savings Account, disclosed and abused My Private Personal information, and that of my Child, as well as contacted Social security My behalf without my consent, and given access to My Account information. 

However, I 'm a victim Of identity theft, My SSI XXXX monthly income affected, stopped a abruptly, I 'm XXXX sick, Over this, I have had a XXXX. I have XXXX, this affected me greatly.
Consumer complaint received 2015-07-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (CA)

The terms of my Chase Private Student Loan were not explained thoroughly, and I was not informed there was a default repayment date set, even though I was enrolled in school. While trying to maintain monthly payments, my private student loan went into collections, and then without warning or notice went into default. I am a student at XXXX XXXX XXXX in XXXX, CA.
Consumer complaint received 2016-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (ME)

I have many student loans from XX/XX/XXXX on my different credit reports. I became XXXX in XX/XX/XXXX and was approved to have my loans forgiven and were taken over from XXXX Department of education by Nelnet. Some of the loans have negative comments in the comment section that do not say paid in full and is causing my credit to be damaged. Some of the student loans have no amount in the balance column so it looks like I still owe money. They also state that these loans will be on my credit report until XX/XX/XXXX and XX/XX/XXXX. I would like the comments in the comment section removed and in the empty balance box want it to say paid in full. I do n't know what the rules are for how long these stay on my credit reports but over 10 years seams excessive.
Consumer complaint received 2015-05-24
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I paid {$1700.00} via wire transfer ( which I have done successfully before, although not same property/person ) to a XXXX XXXX XXXX for a vacation rental from an ad off of XXXX. 
The home to be rented was XXXX XXXX XXXX. XXXX, FL XXXX. 

Financial details are as follows : XXXX XXXX XXXX XXXX BankAccount # : XXXX # XXXX Name : XXXX XXXX XXXX I was corresponding with a supposed XXXX XXXX XXXX XXXX 
I sent an email on XXXX/XXXX/15, confirming we were still set for our XXXX/XXXX/15 arrival. 
I received the following response from the XXXXXXXXXXXX email : On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : ok madamOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : You are full of XXXX. 
What are your credentials? 
Please keep writing back, so we can pinpoint your IP address to see where you are located. 




On XXXX XXXX, 2015, at XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : we used our monitoring team to take away his account from him and we saw your details, we are also here working on the underground investigationOn Fri, XXXX XXXX, 2015 at XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : So how is this the XXXX team, if this email is coming from a XXXX account? 

If this is a scam, you can believe I will find you and get my money back. The authorities and my bank have been contacted. 

On XXXX XXXX, 2015, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hello XXXXThis is XXXX management team, we have seized the posting from XXXX, his posting was a scam. please stop all contact with himXXXX group teamOn Wed, XXXX XXXX, 2015 at XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi XXXX, Just reaching out to make sure we are all set for our XXXX XXXX arrival - correct? 

Just want to make sure we are all set before we head out : ) Thank you! 
XXXX from XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX is reporting a credit card account that has been opened fraudulently. I am a victim of Identity Theft and had been in contact with Chase in XXXX 2015 when they called me to verify whether I had applied to this account. The Chase Bank representative was XXXX XXXX XXXX. I am in the process of purchasing a home and I have recently gotten an alert that this is now negatively impacting my credit rating. I need this resolved immediately. This account needs to be deleted off my credit file.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (TX)

I need to submit yearly income documentation to my student loan servicer, Nelnet, to recalculate my income based repayment. Nelnet told me I had a specific deadline by which to complete this. However, they had set a different, earlier deadline, which if I had not submitted by then, they would switch me to a standard plan and capitalize all of the accrued interest. I know that switching from IBR will capitalize interest -- however, I submitted the required documents by the deadline they told me. But they had capitalized my interest a few weeks before that.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Chase card services had unfairly rejected my dispute of XXXX charges from XXXX XXXX for XXXX and XXXX billed to my chase credit card account XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX. 
In the communication with me, chase employees have verablly insulted me and used XXXX. thus, i submit to you that chase 's action were an act of XXXX rdiscrimination against me. 

The XXXX charges in question were for the computers that I purchased from XXXX on XXXX XXXX, XXXX and then subsequently returned to XXXX. 
I have complied with XXXX return policy. however, chase refused to issue a credit Here is a timeline of what hapenned :. 
On XXXX XXXX, XXXX ie. within 30 days of purchase from XXXX, i have filled an appliction for return of both computers on dell website, per dell policy ( they require such application to be made withing 30 days ). 
But until now XXXX had failed to process those requests that I submitted and to issue me a RMA ( return merchandise authorization ) required for return. 
Their wesbite still shows that my requests are under investigation. 
I then contacted dell numeroud times, at first they did not respond but then in online chat with me dell said that they had a glitch on their website which caused my request for return to remain non-processeed but. Having admitted their fault, dell refused to authorize the return. 
I subsequently disputed these charges with chase. 
However, chase had refused to satisfy my dispute. chase sent me a response from dell in which dell stated that there is no record of return. in that letter, chase also informed me that dell had given to chase XXXX XXXX for my computers and address for return. 
I have called chase credit card service and was advised that I should send the computers to XXXX and then call back chase to confirm the return and then chase would issue a refund. 
I have now retured the computers to dell. I have a confirmation of dell receiving my computers by XXXX. i have called chase to inform them of this. However. 
chase still refuses to issue a credit and satisfy my dispute. Chase had also refused to acknowledge that dell had confessed that my initial request for return filed on dell wesbite had not been processed because of a glitch on dell wesbite, although I did send a transcript of my chat with dell to chase. 
I am attaching a transcript of my online chat with dell in which they admit that they did not process my request for return. i also attach copies of the request that I submitted to dell to return my computers in XXXX XXXX.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (TX)

Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. 
We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!