davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MI)

I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX : Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I answered a solicitation form XXXX XXXX ( XXXX ) and got a denial letter on XX/XX/XXXX. I contacted credit reporting agencies and got 3 of 4 reports from, XXXX, XXXX and XXXX and await number 4, XXXX. No report shows me as deceased. I wrote back to XXXX XXXX to ascertain who was reporting me deceased and on XX/XX/XXXX they sent my a repeat of the original rejection letter of XX/XX/XXXX not indicating who had made the erroneous report. I am not sure what to do. Credit reporting agencies have no mechanism for me to seek relief. Can you advise me or must I sue XXXX XXXX in order to find out who is misinformed?
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When Covid-19 hit, we were unsure if payments would be made on our home mortgage, I called them and they graciously extended 90 days due to the crisis - called forbearance- noting that full payment must be made for the three months plus the month coming, which I agreed would be fine. I recently checked my credit score and noted that the forbearance was reported and it dropped my credit score by 30 points. This is cruel and unusual punishment for a person who has NEVER missed a payment, EVER. Plus, we had decided to go ahead and bring our account current by making two payments on XX/XX/XXXX, and today, I received a call from the mortgage company wanting to know what we were going to do XX/XX/XXXX. I'm upset on two fronts that calls were made in an attempt to collect a debt that was already paid current - plus, taking a credit report hit that was totally undeserved since the entire country is in a crisis ... ... .just thinking that these actions were not only uncalled for but very unfair to my personal credit and I would like to have satisfaction on this complaint by way of punitive measures against XXXX XXXX XXXX, whichever is claiming ownership at this time - maybe even a monetary penalty as well. Needless to say, I will be looking to refi with a different company asap. 

I own and operate a small business ( manufacture lab furniture for schools ) and my personal credit drives many decisions that our vendors make regarding extending credit to my company - this negatively impacts not only me, but my company and it's 10 employees. The ripple effect is very strong in my eyes, and this action damaged myself and my company.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We currently have a mortgage with Chase and are buying a new home so thought we would go through Chase as well for the new loan. We uploaded all documents as requested within 24 hours and for the past 3 weeks we were told no issues and should be able to close the week of XXXX XXXX. We just learned that the only item lacking is an appraisal and they use the term that no appraisers are picking up the order. They said the appraisal order has been out for 2+ weeks and recently escalated XXXX XXXX and again this week. The issue is no one and Chase can explain why that is being held up. 

We are in downtown XXXX XXXX, TX and have randomly called 5 appraisers, 3 of which said they work with Chase and certainly could get out in the next day or 2. So clearly there is a disconnect. 

We are at risk of the builder voiding our contract since we likely ca n't meet the contracted closing date now and at this point we do n't know what we can do as a consumer. The mortgage bankers, processors, etc are all saying nothing can be done and now have stopped returning calls. At this point we do n't know what to do. I understand banks ca n't call appraisers directly but why would this appraisal not be picked up for 2+ weeks? Is that really the hold up? 

We have to be out of our current house next week and with it unlikely that we will be able to close next week we do n't know what we can do. If there is some regulation or process then they should be able to articulate that or at least better set closing time expectations as opposed to waiting until the XXXX hour before delivering the issue. 

At this point I have never felt more frustrated or helpless and with the red tape and lack of concern on the part of Chase I feel like this is simply not right. I 'm not sure what we are supposed to do with our pets, belongings, etc while in the interim and that assumes we can talk our builder into extending the contract. If not we have to start over. Simply not right.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

Auto loan was paid on time until XXXX 2014 at which time I was incarcerated. Upon my release, I contacted the company to make pant araingments to make the loan current. I was given an amount of the past due balance and I had attempted to make good on the balance. I had continued to make payments and then the company repossessed the vehicle with no warning-even after payments were current. I contacted the company the following day and was given a payment amount to pay the loan to what they claimed to be current. I paid the requested amount to retain the truck from the tow company. Since that time I have continued to make on time payments. I recently applied for a mortgage and upon review of my credit report, I noticed that the loan has been incorrectly reported as a " charge off '' since XXXX 2014. I was never told by the company that the loan was charged off and that my payments would not be reported correctly on my credit report. I have since then contacted them sever times, with no explanation for the false reporting. I am now over {$2000.00} in deduct for false afield fees and such that no one is able to explain. I was told by the company to either continue to make unreported payments and deal with the reporting of a charge off on my credit report or hire an attorney.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (CA)

I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.
Consumer complaint received 2015-03-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (PA)

I have been called by Chrysler Capital XXXX or XXXX times over the past 2 months saying that my lease payment is late. Then, they look at my file and realize that they have called me in error ( I have automatic payment set up and have never paid late ). Each representative that I talk with says that they will fix their system and stop calling me. I 'm being harassed and I 'm worried that their accounting problems are going to impact my credit history.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to XXXX XXXX XXXX XXXX for the original creditor Synchrony Bank ( XXXX 's Club ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX XXXX XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from XXXX XXXX XXXX requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.
Consumer complaint received 2017-01-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GOLD KEY CREDIT, INC. (NY)

Due to a mail sorting issue i received a letter from Gold Key Credit Inc. Much later then i was suppose to. I called them om XX/XX/XXXX to get more information. I then faxed over my insurance information that will cover the bill. A few weeks later a received another call demanding immediate payment or they will place this on my credit report. I advised them that i have insurance and i faxed all the documents. I was told that they were missing information. I then called back later that day and provided them with the missing info. The rep indicated that since its will be in pending status it will not be on my credit report unless my claim is denied. I also asked for them to provide proof that i owe this money. A few weeks later i saw this on my credit report. I called and asked why and to have this removed since i was cooperating and I asked for proof again. I was denied the right to speak to a supervisor and was told that one will get back to me in 24-48. The rep i spoke to was new and stated that he cant give me all the information. After 48 hours i did not receive a call. I called them again and made the same request. I also happened to get the same rep as last time. I advised him that i want to dispute and i want to speak to his supervisor. He told me that he will call me back in 24 hrs. I argued that he failed to do that last time but he still would not put me on.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My vehicle was totaled in an accident with the lender XXXX XXXX, they were reporting on my credit report wrong stating the payment was late in XXXX and XXXX when the account was paid in full in XXXX. I contacted XXXX  and they sent me an AUD stating the account was paid in full and there were XXXX late payments throughout the loan and they sent this letter to all 3 credit reporting agencies and XXXX and XXXX are now reporting correctly but Equifax somehow put wrong information and put there is a 60 day past due amount for XX/XX/2023 even though it was a joint account with my fianc XXXX XXXX and her Equifax is reporting correctly with XXXX past due payments. Im not sure how they got this information when the loan was paid off in XXXX but I have been calling them for weeks now and they keep hanging up on me, telling me false information, keeping me on hold until the office is closed. I have spoke with Supervisor XXXX and XXXX and they both told me two completely different answers, XXXX said she took the late payment off of XXXX and that I was good to go and even gave me a confirmation number which I have XXXX but when I looked into my Equifax it was still incorrect. Im closing on a house for me and my family next week and they will be checking my credit and if this is on there I will not get approved and I have told them this and just hang up on me. It's the most unprofessional agents I have ever been on the phone with I have asked for a corporate number for Equifax and supervisor XXXX gave me one that is no longer in use and just disconnects the call. I am a XXXX  veteran doing a VA Loan and this has been the worse experience it has completely triggered my XXXX with how disrespectful these people have been on the phone to me and just say what I want to hear to get me off the phone but literally do nothing. I have the AUD letter from XXXX XXXX and they were a big help, XXXX and XXXX were amazing but Equifax is by far the worst credit agency out there. Please help me get this situated with, im not sure what else I can do at this point.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Bankruptcy — 
Company: AMERICAN EXPRESS COMPANY (FL)

I filed bankruptcy in XX/XX/XXXX, and it was discharged in XX/XX/XXXX. I had a platinum card with American Express that was included in the filing. I have been fairly successful rebuilding my credit, but each time I have tried to get a card with AMEX, even a corporate card, I was denied due to having an outstanding balance. When I have called in to inquire about my denial, they have indicated that I could get a card, if I paid off my old balance. That does n't seem right.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I asked for original purchase agreement signed by all parties involved. Because I have had several different companies reach out to me about this same alleged debt. 
They have the date opened as of XXXX & delinquent which is incorrect reporting on my report. As you will see on the statement the account was opened before that date and due to a financial hardship I faced in XXXX was last payment. Please see attached statement
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

the way2go company is who issues the card to receive my unemployment benefits, i applied for my card on XX/XX/XXXX. The state government page says you should receive your card 7-10 days after processing your first week payment which takes 48 hours, s 12 days at most, i waited until XX/XX/XXXX to call state unemployment customer service for assistance and they gave me the customer service number for the way2go company. The prerecorded message asks for card number or pin but requires activating the card before receiving a pin number. Eventually you can wait and get transfered to a queue to speak to someone if the number doesnt hang up on you automatically, but then no one ever answers I called several times XX/XX/XXXX to be put on hold for 45 min before the call dropping and another for 1 hour before hanging up, i also called XX/XX/XXXX several times and after being disconnected immediately I eventually waited on hold for 40 min before hanging up. State unemployment can not help because way2go is a third party financial company. I still have no card, can not contact any customer service representative, and can not receive approx {$2300.00} which is waiting to be placed on the card. I have since changed my method of payment to direct deposit, and I have been told from the unemployment office the company would have no issue moving the money to my account but i can not even talk to anyone in the company.
Consumer complaint received 2016-11-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We are reaching out to you for your help in protecting us ( consumers ) against wrongful accusations from bank ( mortgage loan ) establishments. Attached are documents and letters that will help support our case of wrongful and fraudulent activity committed against us. We originally obtained a mortgage loan from Countrywide Home Loans with a 1st and 2nd loan in 2006. Later on we found out this mortgage was a fraudulent loan to begin with. They used inaccurate income, asset and liability. They also incorrectly reported our principal balance over $ 40XXXXXXXX than the original loan.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Lustig, Glaser & Wilson, P.C. (MA)

After one missed auto-payment to LGW I began receiving threats about a judgment against me in 2014 that I was not able to defend myself for. I had called ( Lustig, Glaser and wilson ) to ask them to withdraw the bounced payment along with the next months auto withdrawel. I had not received a phone call in response. They ceased all payments and began threatening more court. I received to date, XXXX financial statements, XXXX of these were returned with no response ( letter said they would call with arrangement ) and Was served a summons for XXXX XXXX due to my " failure to communicate '' with them. After this summons they have sent me the fourth financial statement to " avoid appearing in court '' I have called and left messages and have written communication to the company with NO response at all and I am very frustrated with the threats to my family and financial stability ( which is quite unstable ) just to not receive any cooperation regarding my account.