davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IN)

Equifax is reporting my information with multiple negative comments on my report. After debt has been paid. Disputed XXXX more then once. XXXX has been paid and they keep selling my account and the other companies threatening a lawsuit. Harassing calls. Tried to pay XXXX directly and they wo n't speak to me they send me to the other company. Whom I paid and then they sold it to another company. Equifax has report other paid credit card debts as charge off. As well as stating it 's paid another count again adds more negative comments. It 's rediculous. I have had false medical accounts deleted from XXXX credit report but equifax refuses. This credit bureau is ruining my credit with ittsnpaidts in accuracies. As well as XXXX not reporting information correctly. Please help
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (VA)

I contact Penn Credit Corporation about XXXX XXXX XXXX collection accounts reporting on my credit report. I acknowledge owing XXXX account, but not XXXX and was concerned that XXXX were reporting, hurting my credit score. I spoke to XXXX, who confirmed that I owe $ XXXX XXXX account only. She stated that Penn Credit Corp reports accounts as they receive and update them, resulting in XXXX collection accounts reporting to the credit bureaus. She also stated that Penn would not remove the second account-acknowledged to be a false collection account-until the first was paid in full. I asked to speak to a supervisor and was transferred to XXXX XXXX. XXXX stated that when an account stays in the office for a certain length of time without payment, Penn Credit Corp assigns the account a new client number and re-reports the account to the credit bureaus as a new collection account, resulting in a false, duplicate second collection account. XXXX supported XXXX 's actions and re-iterated that if I paid my account balance in full, XXXX of the collection accounts would be removed from my credit report. I explained that the false collection account is impacting my credit score and making it appear that I have XXXX collection accounts with XXXX XXXX when in reality I only have XXXX. XXXX indicated that she would file a request for a balance verification. I asked how long that would take and she said she had " no clue ''. I also asked what this would do as I had acknowledged owing a balance. XXXX said it might delete the second collection account from my credit report. In the meantime, I still have the XXXX collection accounts reporting on my credit report, causing my credit score to be lower than what it should be. The original account was assigned in XXXX and has reported since. The false, duplicate account was assigned in XXXX and reported since. At this point, what is to stop them from assigning another client number and reporting a third collection account to the credit bureaus?
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Penn Credit Corporation (NJ)

At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/<YYYY> XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (AZ)

We became delinquent on a few of our accounts with Discover back in XXXX and then we made arrangements to have the amount deducted from our account since then and we have never missed a payment. We would call Discover each year and get an interest rate of XXXX for all the accounts. We trusted that they had done this and spent an hour going through this with them each time we called. Lo and behold we notice on our statement that the rates had gone up significantly. We called to ask for a different interest rate and they said there were no programs. Then we called again and again and they would say you need to call again next month. Finally after talking to several people they said they would send us a letter telling us why. We get this letter and it says RECENTLY we revoked your account ... We then called to see why and when did they revoke our account and they said back in XXXX??? Then during the conversation we realize that they had not reduced our rates all those times and we were paying them as if the rate was XXXX and it was not ( XXXX ) and we could have been paying them before other cards if we knew the rate was that high. This went on for several years and I found out that XXXX time they actually put the XXXX for XXXX account. We will never use Discover again. Of all our accounts that we owe from my husbands company going under during our XXXX XXXX we never had anyone treat us this way. NEVER, EVER USE DISCOVER.
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX, I deposited a check initiated by my insurance company ( XXXX XXXX ) and which was drawn off of Chase Bank, deposited to a newly opened Chase Bank account solely because Chase would NOT CASH THEIR OWN CHECK despite verified funds on the account. The funds ( {$4500.00} ) which should 've been immediately became available and were posted to the account on XXXX subsequent to several phone calls to release the funds and after they were once again verified as paid by the financial institution ( Chase ). The funds were made available to my account on XXXX. I made several purchases and needed to contact the loss prevention department at Chase 3 times to get the account reactivated. None of these times did anyone inform me that it could be closed and I would not be able to receive my own money. 
On XXXX, I discovered that my account was restricted, went to the nearest branch and queried as to why I was unable to use my card or log in. They stated that the account was going to be closed in 10 business days and I would receive my funds in an additional 10 business days after that. The funds in the account are cash. The check has been verified by Chase Bank to be cleared and also verified as legitimate by the issuer ( XXXX XXXX XXXX ). 
I requested in considering the closure of the account, that I secure my funds now and in cash in the amount of {$2000.00} since the deposited check is as good as cash and that cash is rightfully mine. They denied my request and want to make me wait 20+ days to receive my funds, stating that there are pending transactions on the account ; however, these transactions are already debited from the account ; Chase just needs to post them. In other words the available balance is just that - what is available to me. There are NO CHECKS associated with the account, so there is no concern for outstanding checks. It is unfair not to release the funds that are liquid and carry no contingencies. I need them now as I purchased items to replace stolen goods for which I was issued the insurance check in the first place. I put a deposit and need the remaining {$2000.00} to complete my transaction to purchase a trailer. Not paying within 3 business days will consider me in breech of contract, I will lose my deposit as well as my trailer, which is where I intend to securely store several tools I just purchased ( again ) in conjunction with the insurance claim.
Consumer complaint received 2023-01-31
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. (MS)

I received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported 3-60 day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Equifax is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to XXXX and XXXX. However, Equifax then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX  60 days late? Equifax again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

I received an unsolicited credit card account from Chase for an Amazon Visa credit card. It took a while but Chase 's fraud area did cancel it. 
Just to add evidence that it was a fraudulent action, the following day I received a letter from Chase saying my request for an Amazon Visa was denied due to 'duplicate request '.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (VA)

Chase Ink credit card advertises XXXX points for every {$1.00} spent on wireless services. On XX/XX/2016 I made XXXX transactions to pay XXXX bills. {$21.00} and {$2100.00} Chase did not award me XXXX points as expected. Upon complaining Chase claims that it is due to the way payment gets coded. This isnt something Chase explains to customers. I think this is a clear case of FALSE advertising and UDAAP Violation. I would like CFPB to help me solve the issue and get me the points I deserved to get in the first place.
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

On XX/XX/XXXX, a new collections account was report to XXXX  and XXXX  by Enhanced Recovery Company ( ERC ) showing a delinquent amount of {$640.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and have never had any accounts with XXXX in my name. The date ERC is reporting the account to have been open is XX/XX/XXXX. However, XXXX  has disclosed that the item reported indicates the account was opened in XXXX. From XX/XX/XXXX - XX/XX/XXXX we had an account with XXXX XXXX ( now XXXX ), which was I my husbands name. We moved to Florida in XX/XX/XXXX and now have an account with XXXX. Therefore, no such account with XXXX could have been opened in my name during XXXX. 
I have never received a bill or any other written communication pertaining to this account and was very surprised to see it mysteriously show up on my credit at the same time that Im in the process of obtaining a new home loan. This derogatory mark on my credit could result in the loan being denied. 
I have not contacted ERC, as they have not initiated any sort of communication with me. ERC is known for their unethical collections practices and for violations of the Fair Credit Reporting Act. I feel they have placed this erroneous debt on my credit and will not remove it, regardless of whether or not I pay then in full. They have essentially hijacked my credit unjustly just as I am in the process of getting an FHA home loan.
Consumer complaint received 2017-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

I received a text message from XXXX with the following text : Alert- ( my phone number ) from WellsFargo-Bank : Your Debit-Card is temporary Locked. Please call us now at XXXX. Thank you for your time Obviously, this is a scam. I did n't try calling them, but hopefully you guys can help in shutting them down. I 'm not sure whom else I should contact if this happens again. 

Thank you, XXXX XXXX
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

on XXXX/XXXX/2016 i applied for a loan modification and the lender took 2 months to gave me an answer my loan modification was declined due to insufficient income, i requested an appeal because i had a contributor willing to help with the mortgage, a week ago i got a call from my single point of contact on friday and he told me that my loan modification was declined and did not gave me a reason also my single point of contact has been changed 3 times, now i want to appeal the decision and have not been able to contact him after several calls please help
Consumer complaint received 2019-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (NY)

I am an attorney in New York. On XX/XX/2019 my client 's email system was hacked and used to authorize the transfer of {$89000.00} into an account at SunTrust Bank. 
Within ten minutes of the wire being sent, we were able to detect the fraud and immediately had our financial institution reach out to SunTrust to report the fraud and place a hold on the account where the money was sent. 

Our financial institution followed ALL of SunTrust 's protocols inclusive of various versions of hold harmless agreements. We have been told that banks generally will have this rectified and the funds returned in a very short period of time. We know the funds were caught before being sent out and that SunTrust is holding the funds. 

It has been well over a month now. SunTrust not only has not yet returned the funds, but they continue to be non-responsive to both myself and our financial institution for weeks. We have calls in every single business day, emails as well, with no response and no courtesy of an update. 

We would like to know what our rights are here with regard to SunTrust and their failure to act professionally in handling this fraud that took place using one of their accounts. In the meantime, my client continues to be waiting for the return of his funds.
Consumer complaint received 2015-04-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. XXXX XXXX has been paying his XXXX mortgage on time which also is with Chase. There are IRS liens on the property. XXXX XXXX is on a payment plan with the IRS. The house is underwater. XXXX XXXX was simply asking to capitalize the arrearages. This is an interest only line of credit currently. XXXX XXXX is in residential construction and had suffered through the recession which affected the housing industry since XX/XX/XXXX The past year in XX/XX/XXXX was the XXXX year which was profitable
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Today I have contacted legal advise in obtaining an attorney to sue the credit reporting companies for not removing an account that was opened up fraudulantly ( XXXX ). I obtained very important information from legal advise in regards to how many times I have disputed this information and requested to show me proof when and how I supposably opened up this account in 2012. I have allowed more than enough time to have this issue addressed. I advised the attorney that I spoke with ( XXXX ) from the fraud investigation department at XXXX and was told that this account will be removed. I still have not received anything in writing via mail that this fraudulant account will be removed from my credit reports. I have intent to sue if this is not resolved. Having this fraudulant account reporting on my credit reports is affecting my credit in a negative way.
Consumer complaint received 2016-10-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Cardmember Services XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX To whom ever ; I am a XXXX veteran and I am very upset with the practices of your bank. 
XX/XX/XXXX I was in a branch in XXXX XXXX and a bank individual mentioned to me that they had a credit card that you could transfer my balance into that card with a 15 month no interest offer. I told that individual at that time that the only way I would be interested in doing anything was, with the stipulation that they would transfer the balance on my other card.. That was the bait ... The switch came when they only transferred less than {$2000.00} ... which was not what I agreed upon. This has now caused my credit rating to drop almost XXXX points. 
At this point I am left with no other option to seek an appeal on your part before I file a small claims court action for the grief and the bait and switch tactics used plus damages to my credit, and before I cancel both my accounts. As I have already closed the credit card immediately after I received it.. 
In short, I would like you to expunge the credit card application from my records and notify the proper credit reporting agency that the report you supplied was due to your error. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I have been with Chase Bank for little over a year and even though I have checks that have cleared, they hold the checks to verify for another XXXX to two days and during that time I am either purchasing items for my company. By the time the check clears I have sometimes anywhere from XXXX to XXXX NSF fees. Each fee is {$34.00} and when I contact Customer Service they check with a computer to see if they can deduct the fees off my account. Every time I never get ANY FEES deducted and they say they can only do it ONCE A YEAR. Most of my purchases are small, the most recent one was gas for {$14.00}, tack on {$34.00} and I have paid {$48.00} for {$14.00} worth of gas even though I have money showing in my account. This particular set of XXXX NSF Fees, XXXX is for {$14.00}, the XXXX XXXX is {$33.00} and the third one was for {$240.00}. Even though my account shows over {$4900.00} in my account I was still assessed the fees since the bank stated they had NOT verified my check until XXXX XXXX, 2016. By the way, my check was verified on XXXX XXXX, 2016. So how could I receive NSF Fees when my check was verified on the same day? I had another instance where I put CASH in the bank earlier in the month at XXXX and the Customer Service guy said the cut off time was XXXX for the money to reflect on my account, so over XXXX minutes my CASH was not in my account and I received XXXX NSF XXXX and the Customer Service guy told me the Chase Computer would NOT be able to deduct my fees. I have had {$200.00} in fees in the last month over ridicoulous reasoning from a computer system, therefore I am asking for my {$200.00} at least be put back in my account immediately!
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (MI)

I went on XXXX. I wanted my credit score from Experian so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked by the fine print scam and they refuse to give me my money back.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

This account has pass the statue of reporting as of XXXX2009. 
When a delinquent account is reported it is reported for seven years from the date of the original date of the first missed payment, which it clearly shows the first date of a missed payment is XXXX2009. 
I will fax the evidence.
Consumer complaint received 2015-12-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Sunset Management, Inc (GA)

I took out a loan for {$260.00} and had to pay back {$700.00} in order to successfully complete the loan. now I can not stop the finance company from contacting me. Sunset finance company has made several House Calls ( meaning sending persons to my home to collect a debt ) I have been in contact with the finance company and also have made agreements to pay they still continue to call and send out workers to my home. The branch manager XXXX XXXX XXXX is very disrespectful and she also demands payments upon speaking with you. She accused me of having a additude and is also very rude to her borrowers if they can not make payments.