davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union in the month of XX/XX/2022 while converting their online systems, failed to proactively send credit card statements to any clients who were set up for edelivery and the ability to speak to anyone to arrange payment required a hold time of over an hour with no ability to be called back. 

I was hospitalized and unable to reach anyone during the time I was able. 

When the system did come back online there was no access or viewability of our credit cards. When I finally spoke to someone I said they needed to reverse the charges and adjust my entire credit reporting and my available credit lines. 

It took 3 phone calls to get access to my credit-card restored but in the meantime I was having my credit lines decreased left and right because they reported my delinquency despite HAVING NO WAY TO PAY THE BILL EXCEPT FOR GOING INTO THE BRANCH! 

They refused to reage the account and correct their reporting and this caused me to financially and mentally spiral as I needed the funds for necessary house repairs. 

My credit score prior to this event was XXXX. I am now down into the 600 's and now jobless. 
None of the creditors will make arrangements either due to the negative credit history I have now been saddled with.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

After a big mess up with my military benefits and school loans, I found out how to access my credit score and I was in the process of repairing my credit as a result. In the process, I noticed that SEVERAL hard inquires were made, XXXX. They were on or near the same day and not done with my permission. I contacted said businesses and questioned them about why such inquiries were approved. I found out that someone ( thankfully that I know ) who had access to my SSN was the culprit. When I asked why a form of photo identification was n't used, I received the same answer resembling that of using paper applications and that there was nothing that they could do. I was perplexed because I just bought a car, and was asked for some form of I.D . among several other personally identifying documents. I proceeded to contact Equifax directly via their online dispute application. Due to my dispute now being expired, I am unable to view it and repeat verbatim what my reply from Equifax was after their investigation, but I am now faced with basically " sucking it up '' after being told that the hard inquiries would not, in fact, be removed as it was an accurate depiction of my credit being requested and then granted. I 'm not proficient in matters such as this, so I may be naive, but I thought companies like this were able to help you in the case of identity theft. Thankfully, I do know the individual responsible, and know that they have a criminal background so I can let the authorities handle that part, but it 's infuriating that my only option, in the eyes of Equifax , is to wait out the 7 years until it drops from my credit report.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX, I was coming from campus at the university XXXX, XXXX campus. On public transportation and was victimized by a pick picketer. This incident was reported to law enforcement and reported to all XXXX bureaus, Equifax has allowed a massive drop in my score, allowing verizon after two years of the account meeting FCRA requirements, as fraud delclaration. this is unacceptable.. i have spent all of XX/XX/XXXX and XX/XX/XXXX paying off debt, and has no more negative accounts any longer. please assist in this matter.Equifax has now filed their 4th dispute to be on hold another 30, days. 
respectfully XXXX XXXX XXXX XXXX ph XXXX
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

They have my social security last XXXX digits XXXX wrong names listed for me had a fraud alert that I did n't put in I also had tremendous inquiries that I 've asked Equifax to remove and if they do I have to put a grad alert and I DONOT want another fraud alert on my credit they have made a mess of my life
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are XXXX writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

As property owners of XXXX XXXX XXXX XXXX, XXXX GA. XXXX, my wife and I decided to change our homeowner insurance policy from XXXX XXXX to XXXX XXXX XX/XX/XXXX. We submitted the documents that were asked of us. Then we trusted that the insurance company and mortgage company would act with our best interest, and had informed of us of all steps needed. 

We released permission to Seterus ( the mortgage company ) to pay the new homeowner 's policy to XXXX XXXX. XXXX XXXX sent a letter to us on XX/XX/2016, stating that due to non-payment the homeowner 's insurance policy was cancelled. 

Unknowingly to us, Seterus had paid XXXX XXXX on XX/XX/XXXX for the policy. Then, they paid XXXX XXXX as well for on XX/XX/XXXX. We did not receive notification from XXXX XXXX that the policy had been reinstated. Nor did we receive notice from Seterus that they had paid XXXX XXXX, and also paid XXXX XXXX. As the homeowner, we were unaware that we had XXXX policies on our home. 

XX/XX/XXXX, Seterus sent a letter to us, stating that we owed approximately {$1900.00} for a deficit in our escrow account. When I called Seterus, they were not able to provide an explanation of why there is a deficit. The letter stated that we could either pay the {$1800.00}, or we they would increase our monthly house payment from {$740.00} to {$940.00}. 

I became aware that there were XXXX insurance policies for XX/XX/XXXX when I received a renewal policy from for our homeowner 's insurance from XXXX XXXX for the XXXX year. I contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted XXXX XXXX on XXXX XXXX, XXXX, who confirmed that they are also currently providing insurance coverage for the property of XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. I then contacted Seterus who confirmed that they also have on record that both, XXXX XXXX and XXXX XXXX are providing insurance policies on the property known as XXXX XXXX XXXX XXXX, XXXX Ga, XXXX. Paying for the XXXX policies out of our escrow account is causing my family punitive damages, for a situation that was out of our control. 

I would like for Seterus to return the amount of {$610.00} to our escrow account and apply the additional monies paid each month above the {$740.00}, to the escrow account associated with the mentioned property.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

In 2011 I was given XXXX XXXX line of credit without my approval. 
Prior to that, my XXXX payments were automatically withdrawn from my personal checking account. XXXX XXXX XXXX sent me statements to my old address, and since I did not expect any payments, I never checked my online account status. Once I started getting calls from XXXX that my account was overdue, I paid it promptly. Unfortunately it shows as 30 day late payment on my credit report, which prevents me from getting mortgage. I am a physician and the {$100.00} payment would not break me, but unfortunately this incorrect information on my credit file is preventing me and my family from buying a new house. 
I called the bank XXXX XXXX XXXX XXXX who issued the XXXX credit. I was told that they can not make any changes to files beyond 12 months. The manager by the name of XXXX, refused to give me her last name or the phone number of their legal department or give name of their legal counsel.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

There has been a judgment on my credit report from XXXX XXXX that I 've always assumed was mine since I originally had a XXXX XXXX Card. I 'm in the process of buying a house and pulled my credit report and there was another collection from XXXX XXXX. I called the collection company and verified that was actually my account and paid it. I then called the company in charge of the judgment and found out that the social security number does not match my name. I contacted XXXX XXXX who admitted that the account was fraudulent and that they will have it removed but it 's still on my credit report. I 've always indicated that I 've only had XXXX XXXX XXXX account so I would like them to clear this up and take this off my credit report.
Consumer complaint received 2016-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I am a victim of identity theft. I have a identity theft marker on my credit reports. 

XXXX accounts which Equifax are reporting on " XXXX '' and " XXXX XXXX '' are result of identity theft and I demand Equifax stop reporting this information. 

I submitted a FTC ID theft affidavit and police report to XXXX over a year ago.. They responded to me a few months later saying that there is nothing they can do since they sold this account to XXXX XXXX XXXX. 

I called XXXX XXXX ( the debt buyer ) recently and explained the situation and the fact that I am a victim of ID theft. The XXXX XXXX rep says " In that case since you are a identity theft victim, I can offer you a one-time settlement 80 % discount ''. I refused to pay even with their large discount because I will not pay for someone else stealing my identity.. It was n't me..
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

Equifax credit needed to take off XXXX collections items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/2015. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report from Equifax that I paid for on XXXX/XXXX/15 and again another report which purchase on XXXX/XXXX/15. The confirmation numbers are XXXX and XXXX. Not only did Equifax take them off they reduce my credit score nearly XXXX points. So, I pay off a medical bill and they take away from my score. Equifax needs to remove these XXXX items from my credit report right-away. Equifax Credit not only did they not remove the XXXX items from my report they were past thirty days giving me a response in both disputes. Equifax wants to keep XXXX down so they can keep chains on people. They seem to be corrupted as many other companies. Where is your integrity Equifax? The account number for XXXX is XXXX and XXXX is XXXX is also reporting this same information incorrectly and needs be remove from my credit report right away. They did the same exact thing that Equifax. They also brought my score down XXXX points. I ran my XXXX score/ XXXX credit report from the Equifax.com website XXXX times which cost me {$16.00} to {$20.00} every time the report was printed. The reports included Equifax, XXXX and XXXX credit report and scores for all credit reporting agencies. 

The only one that is reporting correctly is XXXX. XXXX and Equifax are not being regulated by no one. Help Me XXXX XXXX.
Consumer complaint received 2018-05-28
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: EQUIFAX, INC. (SC)

I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but EQUIFAX it's showing last payment for XX/XX/XXXX. It's was reported on Wquifax XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I have been disputing information on my credit report on several accounts for 2 years. I have included excellent proof which consisted of a signed letter from the property manager for account with the name of XXXX ( XXXX XXXX XXXX ), indicating it was paid 5 years as of today and given to me upon payment for my records. Yet they have not deleted it. The XXXX item is XXXX, it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX and Equifax if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers..
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NV)

My wife and I had a mortgage through Chase for nearly 10 years, so we decided to contact Chase for a potential refinance. We applied for a loan refinance in XX/XX/XXXX, and in doing so were told that we needed to provide Chase with {$500.00} up front for the appraisal which would be refunded to us if we decided not to go through with the refinance. Because the appraisal came in low and would require us providing {$27000.00} in cash, we determined not to go through with the re-finance with Chase. XXXX, XXXX ID XXXX, at Chase was the mortgage banker we were working with for the refinance. In an XX/XX/XXXX email, Mr. XXXX said he had already processed the refund request and we should " keep an eye out on [ our ] account for the {$500.00} refund. '' When the {$500.00} was not refunded, we contacted XXXX on XX/XX/XXXX and XX/XX/XXXX. After XXXX emails and calls to him, he promised to follow up and asked that we contact him in XX/XX/XXXX if the refund had still not been made. The refund was again not made, so we emailed XXXX yet again and he simply responded, " I will have a look '' on XX/XX/XXXX. Nothing happened, so on XXXX, we emailed him again. He did not respond, so on XX/XX/XXXX we contacted his manager, XXXX NMLS ID XXXX, by voicemail and email. XXXX responded by saying he was out of town and would get back to us. He did not get back to us, so on XX/XX/XXXX, we emailed him to follow up. XXXX XXXX again did not respond, so we left him a voicemail on XXXX and an email on XX/XX/XXXX asking for our refund. On XX/XX/XXXX 8, XXXX called us back and claimed there had been an error before and XXXX had to re-process the refund, but we would get it within the week by FedEx. Also on XX/XX/XXXX XXXX emailed us confirming that he had re-processed the refund that day and would update us next week. We still did not receive the refund, so on XX/XX/XXXX we emailed both XXXX and XXXX yet again and asked for the refund and for their supervisor 's contact information to see if that person would help us resolve the issue and get our refund. To date we have not heard back from them.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I am trying to close escrow on a home I have sold and right in the middle of this closing XXXX XXXX XXXX sold my loan to Seterus. Until I am updated in their system, I can not get ANY loan payoff information and it is going to delay my home closing escrow until?? Neither XXXX XXXX XXXX nor Seterus will give me my payoff information. I am in debt and trying to meet my financial obligations in a responsible manner, and this causing me to fall further behind and financial hardship
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Recently, I have been trying to link my account  to a business account with Chase. I 've received multiple calls and I have been updating Chase on wh at has been happening with my accounts. My business account told me they were running trials to see if they accounts were able to link.     Today,  XXXX   XXXX , I called  Chase to see what was going on when I realized I did n't have access to my account online. After calling them and seeing what was wrong, they decided to close my accounts and end business with me. This is not only disappointing but really upsetting when I have been calling Chase multiple times throughout these past two or three weeks. Interrupting my studies with sc hool to go over what 's happening again and again. They said this decision is irreversible and there are no actions that can be done.     Here is my issue with that : my parents have   Chase and they are Chase Private Clients as well. They need me to be with Chase and to use it so they can send me money to pay for rent. This is not only an inconvenience to me because I have rent due in 4 days, my bank suddenly decides to end their business with me right before is absolutely unprofessional. Not only do you jeopardize my living situations but you also jeopardize me being able to live. I am a broke college student, I have no money ... my business accounts were helping me make progress with my life. It 's absolutely disheartening to see Chase has made this move against me when I have valued Chase since my parents have joined.
There should n't be a reason that this is happening because I 've been updating Chase and what 's happening to me. The timing is so bad, especially right now with rent and bills due. It 's coming to a point where this life is not worth living.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (CA)

I went to the discover card website today to find out if I was pre-approved to apply for XXXX of their credit cards. I know that with this pre-approval, there is a soft inquiry, not a hard XXXX, and they collect information to view my credit report and it does n't affect my credit. I filled out my information as requested and the " Discover It '' credit card came up saying that I would be qualified for this card. I went ahead and applied for the credit card and after I clicked " submit '', they requested even more personal information which I filled out. Then after I clicked " submit '' again, a message came up saying that I needed to apply with someone else as I needed to submit a " joint application ''. I never stated that I wanted to submit a joint application or that I was applying with anyone else or had any interest in applying with anyone else. I stated that I, alone, wanted to apply. I then called customer service, new accounts, and spoke with a manager by the name of XXXX XXXX, ( this is the spelling of his name he gave me ) and explained the situation. He was trying to give me the wrong information by telling me that when someone fills out a " pre-approved '' form, that the credit is not checked or viewed at all. I then told/ him that I know how it works and that I have applied for other credit cards with other banks and they have even told me that they view the credit to let me know if they can offer me a credit card or not, and based on that, they either state which credit card I can apply for or state that they can not offer me a credit card at that time. I stated to him that he was giving me the wrong information so that it did not appear that the bank had made a mistake, but that this was exactly the case. The bank made a mistake. He kept repeating the same thing so I told him that I would be filing a complaint with the Consumer Financial Protection Bureau so that you guys knew what they were doing to consumers. I told him that I want them to delete the hard inquiry from my credit report and he refused. So I am filing this complaint to request your assistance so the bank can delete the hard inquiry which should have never been there on the first place, had they not given me the wrong information at the pre-approval screen stating that I could apply for the Discover It credit card.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

this items was not properly validated as accurate and i recieved a letter stating that this item from XXXX county clerk has been deleted from my file on the XXXX of XXXX and i was mail a letter in regards to this inaccurrate information but when i pulled my credit file on the XXXX XXXX it is still there i need the inacurrate information off of my credit file something needs to be done with these credit agencies