davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have already filed a complaint against this, but it is still not resolved. 
The XXXX companies, XXXX XXXX and XXXX XXXX XXXX ( XXXX ) have both requested that the inquiries be removed from my credit report because they are a result of identity theft. Equifax refuses to remove the inquiries, even after I have disputed the inquiries multiple times. I have attached my denied dispute and highlighted the XXXX inquiries that have been requested to be removed.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SD)

this is an account that should be of my report years ago. I contacted the state that started and closed this account. They state the account is closed, no balance as of XXXX. And, they are not reporting to any credit agency. I disputed this account with Equifax in XXXX 2016. There investigation reports, that this account will be removed 7 yrs after the account is closed with zero balance. So, it should n't be on my report as of XXXX 2016. So, I do n't know where to turn to get this resolved and its keeping my score down
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.
Consumer complaint received 2016-01-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I applied to refinance my home mortgage in XXXX 2015. My bank agreed to match the refinance terms that I had received from a broker because of my being a long term banking customer. I proceeded with the loan process which included a loan subjugation from the city of XXXX XXXX and the conversion of assets to annual income. I received the Good Faith Estimate in XXXX 2015 which was as we agreed except the closing credits would be reflected once everything was finalized so that the amount would be correct. As the months passed I asked the mortgage banker about the rate lock and our original terms to make sure the rate, term and closing costs were as agreed. He assured me that the bank would uphold the terms and not to worry about the extensions. I talked with the mortgage broker XXXX XXXX about closing the XXXX. He said he would get back to me. 
On XXXX XXXX I received a revised Good Faith Estimate in the mail. It quoted {$6000.00} closing costs not the {$1500.00} quoted on the XXXX 2015 Estimate. The higher amount reflects the cost of the rate extensions which the bank newly determined to be my responsibility. The reason given was because the subjugation from the City of XXXX XXXX was not received until XXXX 2015 and since the delay was not the banks fault ... .I am responsible for the multiple rate locks. Their position ignores what I was told verbally by their mortgage broker. There were no written notifications either. If I had been aware of the cost of the rate extensions, I may have made different choices about pursuing the subjugation. 
I have been lied to and am in a position with few alternatives. The loan process that I believed was closing in a week is not as was presented to me. I hoping that I have some recourse.
Consumer complaint received 2016-04-10
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Dyck-O'Neal, Inc. (FL)

The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
Consumer complaint received 2016-11-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (CO)

XX/XX/2016, I notified Selene Finance ( Mortgage Holder ) that I would be doing a short sale in which I also requested cancellation of debt. Per Selene Finance, I submitted ALL Selene 's required documents to include my financial information in which I questioned the necessity since I was NOT asking for a loan modification. Selene gave a deadline of XX/XX/2016, to submit a sales contract. On XX/XX/2016, XXXX ( Realtor ) faxed Selene Finance a signed sales contract along with ALL Selene Financial required documents. Upon checking the status, Selene keeps stating they did n't receive a document ( each time a different document ) and each time XXXX has faxed claimed missing documents NUMEROUS of times. Last status check, XX/XX/2016, yet again, Selene attempted to have not received particular documents ; however, with XXXX tenacity, Selene informed XXXX they have all the documents required yet the review would not be completed until XX/XX/2016, which is unacceptable. It is unquestionably clear of Selene Finance attempt to undermine the sale of my property and this is not unacceptable.
Consumer complaint received 2017-02-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK (MI)

I was denied a re-finance mortgage of real estate by TCF Bank. The approval process took almost a year, with multiple delays created by the bank. I spent nearly {$600.00} in appraisal fees, and nearly one year of time attempting to secure this loan. I took another job during the inordinate amount of time that the Bank took and that became the reason for the denial of my loan. They delayed the loan by asking for the same documents repeatedly. They used other time delay tactics like going " dark '' and not communicating the status of the loan. The bank would ask for repairs for be done to the property that did not need to be done for non-existent issues. The bank also requested that a re-inspection be done after the repairs for the non-existent issues were done. The bank then asked for a certification from a licensed " roofing-professional ' to be provided. This professional license does not exist in the state the property is in, so the request was nonsensical and impossible to obtain.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

My government student loans are reported separately as open and closed accounts on my credit reports from Equifax, XXXX and XXXX. The " closed '' accounts report negative information, whereas the loans are reported again in the " green '' and positive separately. I want the negative ones removed.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am having issues with what is believed to be a mixed report with another individual. I have initiated disputes with the credit bureau. After several calls to the credit bureau, they finally initiated a proper investigation. I received notification from the credit bureau that on XXXX/XXXX/2016, the item has been deleted from my credit file. On XXXX/XXXX/2016, I looked at my credit file and the item was still reporting. I called the credit bureau, and after getting several different excuses about why the item was still reporting, I was finally told that there was an error within their system and the item would be completely deleted within 24 hours. I called back after 48 hours and my file has been placed with a special department within their company is handling my file now. They will not allow me to access my own credit file, nor will they allow potential creditors to view my file. I was told that in order to apply for credit somewhere, I need to contact them beforehand so they can allow the potential creditor access to my credit file. I did not request that they do this. This is very inconvenient. I also have credit monitoring services that I am paying for that do not have access to my file because of this unauthorized tactic by the credit bureau. 

They also placed an inquiry on my file that I did not give them permission to pull. They are the credit reporting agency, so they should have access to the credit file without have to do a " hard pull '' to view a persons credit file.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NY)

On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

We have sent the bankruptcy forms to the credit agency and the accounts do not show paid they show and outstanding balance and the mortgage account shows foreclosed and it was included in the Chapter XXXX bankruptcy with both mortgages on our credit .On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX , previously XXXX XXXX XXXX XXXX XXXX our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XXXX of XXXX. Our bankruptcy was XXXX in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MO)

You are a XXXX XXXX who cant read and you should be fired. Instead of removing the inquiry from my credit report you are choosing to be negligent and I will sue you in federal court for this. You should reference XXXX v. XXXX XXXX and see how much they have paid in attorney fees against me. You are ignorant, XXXX and the definition of petty. You state yourself WE TRIED CALLING YOU ON XX/XX/2018, TO GO OVER THIS INFORMATION, BUT WE WERE UNABLE TO REACH YOU. That is because you didn't have authorization to run my credit anyway and that is why it needs to be removed. You XXXX   XXXX if the inquiry was from me dont you think I would have answered? You XXXX! And I am not worried about calling you names, lets not forget our president calls XXXX football players XXXX XXXX XXXX XXXX so thats exactly what I think Chase bank is, a XXXX  XXXX for leaving a inquiry on my report which accounts for 10 % that is not mine. You will pay for this since you choose not to remove it you XXXX.
Consumer complaint received 2016-12-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: P.S.C., Inc (WA)

This debt is related to my niece, XXXX XXXX. She applied for financial assistance in XXXX 2015. XXXX XXXX was also on Medicaid back-dated. I spoke to XXXX Hospital in 2015 and was told that this bill was being put on XXXX XXXX 's account and should not be in name.
Consumer complaint received 2016-04-29
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Machol & Johannes, LLC (CO)

Abuse of Power, Abuse of the System, Financial Fraud for Personal Gain, Filing False & Illegal Documents, Unfair and Illegal Business Practices, Theft, Racial Discrimination, Violations of Consumer Privacy Laws, Statutes of Limitation.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Genesis Lending (CA)

I was a student at XXXX College XXXX CA, and they closed there doors on XXXX XXXX, 2015. I received a text message indicating the closure. I have student loan with Genesis Lending Services and they will not discharge my loans. I feel that XXXX College is to pay back my loan to the company, after all XXXX is the one that broke the contract. This has caused great pain and suffering, because the reason I attended this college was to better myself in finding a job. Now after two years and three months, and only eight weeks to go, I do n't even have a degree now. I am not liable for this loan and will do what I have to do to get this discharged. I will seek information from an attorney about the steps I need to take.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

I opened a credit card with Sears to try to improve my credit score. XXXX of the only hits to my credit score is that I have very few accounts, and I had a good opportunity and thought Sears was a reputable enough company. I purchased a bed and a few accessories as I 'd just moved to XXXX and that 's the point at which I was asked to open the account. The address I gave them was my new XXXX address, but when verifying my driver 's license they claim to have put the old XXXX address from my license into their system, so the credit card never arrived. 

I got a text message from Sears saying that I had a late payment. So I called them and told them I never received a card, and I need a card number in order to pay the balance. They allowed me to give them bank account information over the phone to cover the balance and they removed the late fees that had been applied. 

Because it had no balance and because I did n't have the card to physically use, I did n't think much of it, but I still never received the credit card and to this day never have. But after my car was broken into and documents that could be used to steal my identity were taken from it I was advised to monitor my credit score closely for accounts attempted to be opened under my name and information. It was at this time I noticed I had grossly overdue payments on the Sears card. 

I called Sears to find out how I could have missing payments with a balance of XXXX and was informed that when I gave them my information and said I wanted the whole balance paid that a small dollar amount, I believe between XXXX and XXXX XXXX dollars, was left on the account. I never said a number, only that I wanted the whole balance paid, so there is no reason they should have left any balance on there. 

The payments were very long overdue, and I was never contacted about any of it at any time, but my credit score has been damaged severely by this. Prior to this incident my payment history and timeliness was perfect, and I would have no reason to leave such a small balance and let it go unpaid for so long. I 've been advised to pursue a resolution and a repair to my credit score through the Consumer Protection Bureau first, and if that does n't fix the problem I understand that there are further legal options. I will also never do business with Sears again if this is not corrected. 

I do not have any documentation other than what 's on my credit report because Sears never sent me anything at all, but I 'm told that they are legally required to keep the documents that will prove what I 'm saying. The representative I talked to on the phone apologized and let me close my account but said nothing else could be done. Legal action has not been filed at this time, but will be if the issue is not resolved and my credit is n't restored.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (FL)

My son has been trying to pay his Sallie Mae loans to the best of his ability. the interest keeps making it higher and he can not for some reason have it based on his income. they are harassing his grandmother who was the co-signer and making her feel as though she has to pay and she has been taking money from her fixed living expenses to try and pay the out ragious amounts that keep going up because they say he 's not paying the full monthly amounts. th interest on his loans have gone through the rough and the payments are double what he brings in monthly. even if he lived at home and made no car payments and I paid for food and everything else he would not be able to make the payments since they keep raising them. There are XXXX different loans which they made him do instead of one. My mother is afraid she is going to loose everything because the payments are not more than all 3 of us together ca n't pay. This should be illegal and why they want let him base the payments off his income I will never know. Please help. And there are more than one of the choices below. We could select every answer below except getting a loan because they have all happened. Dealing with the lender is a joke. they hang up on you once they figure out who you are and will not even try to help. The payments need to be a fixed monthly amount that can be handled and still be able to eat and survive and maybe even feel like living again. Shame on Sallie Mae!!!!
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (CT)

I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.
Consumer complaint received 2016-07-30
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Harris & Harris, Ltd. (MD)

This is a debt that is at least 7 or more years old and which is attached by the State of Maryland for services of which are free and no one told me that I would have to pay a debt for being on probation. This is a serious attempt to ruin my credit rating and thus cause me problems later. 
I never signed any paperwork through the state or was told that I would owe monies at anytime.