davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX we formed an XXXX XXXX for a small commercial property in XXXX CA. 

It was an inheritance and XXXX XXXX XXXX called the loan based on my fathers death. 

We had a relationship with Washington Mutual so we reached out and explained our needs In XX/XX/XXXX we came to an agreement secured a 15 year fixed loan which terminates in XXXX of XXXX We thought our loan was 15 year fixed and our last payment would be our last payment. 

In XXXX of XXXX our group had a bit of a riff. I requested an Amortization schedule as part of due diligence as a Managing Member. 

This was the first time I was aware of a balloon payment associated with our loan. 

I called again after we resolved and was told there was no balloon payment by a rep. I was still uncertain however I did not pursue it at that time as we had a loan called prior and were in no position to pay off our loan at that time. Now we are. The loan is now serviced by Chase. 

I reached out to Chase with my concerns in XXXX. We moved from our initial contact to another department and traded several emails and one initial phone conversation and one recent group call from Chase and two different departments. 

I admit to being a bit unsophisticated at signing. I did not know what a XXXX XXXX loan or an Actual XXXX was. I did question the XXXX have a balloon payment at the time and it was explained in case there was an issue down the road. 

We feel there was insufficient disclosure. We brought this matter to Chase. They feel there was. We are in disagreement. 

The the Note does say XXXX have a balloon payment There is no other description An Amortization schedule was not provided at signing Washington Mutual Billed XXXX XXXX but charged Actual XXXX they then took the difference between the actual XXXX and XXXX XXXX and added to the difference of the principal monthly. 

We feel disclosure was insufficient and had we known that we could we would have made extra payment to account for the difference if we could. In fact even now we are unsure if we could have due the rather aggressive prepayment schedule with our loan. 

Our argument to Chase was based on the way the loan was structured and billed there was a known balloon payment from the beginning by design of Washington Mutual. Furthermore, it was disclosed inadequately. 

This and lack of the Amortization schedule would have alerted us to this. 

We sought out Chase to correct this. They denied and defended the note and feel that disclosure was sufficient as of yesterday.
Consumer complaint received 2018-08-01
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. (WA)

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, Equifax, XXXX.
Consumer complaint received 2021-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX  Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-10-09
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: I.C. System, Inc. (GA)

XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from I.C. Systems for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from IC Systems and XXXX. XXXX XXXX provided no proof of debt and IC Systems indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that IC Systems was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and IC Systems typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, IC Systems, AND XXXX!
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}
Consumer complaint received 2018-10-08
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. (MA)

I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.
Consumer complaint received 2021-11-29
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. (IL)

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX These accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.
Consumer complaint received 2021-11-04
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MI)

The attached documents show WF failed to live up to the terms of the MPN for my Private Student Loans they acquired from Wachovia.

1. WF XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. WF XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. WF erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XX/XX/XXXX ( see p. 23 - 24 ) Thus, WF improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because WF failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, I have a refund credit of {$1000.00} posted to my Best Buy store card by citibank. I have called them multiple times, but they say they can not help me because they are unable to verify my account using my phone number. The phone number I gave them is the one listed in my account and also the phone that I used to call them with. Apparently there are a multitude of issues with citibank verification system. I would just like my refund because as a XXXX XXXX, it is hindering me from getting gas money, groceries, etc.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I received a negative report on my credit report. It was from Enhanced Recovery comapany. They represent XXXX. It states that it is a new account and has an open date XX/XX/2016. That is false and hurts my credit score. I have been with XXXX for the past 10 years. I would like for this to be removed from my credit report. I filed a dispute with XXXX but it came back as correct which it is not and is illegal. Can you please remove this information from my credit report.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (ME)

I was denied a XXXX XXXX from the XXXX XXXX XXXX. I'm a frequent customer of XXXX ( to the tune of thousands of dollars a year ), and I often miss out on sales because they are for card holders only. 

I have good ( even " excellent '' ) credit ( XXXX from XXXX   ), over 22 years of credit history, no " derogatory '' items on my credit report : basically nothing negative. I can see no legitimate reason to deny me such a card, but the reason given was, implausibly, " Insufficient Credit Experience. '' I have worked hard to obtain a good credit rating, and I'm surprised and disappointed to see these predatory financial companies deny me credit anyway.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

I applied to refinance my home loan with Ditech Financial. The agent who took my information ran my credit report before he told me i had to be occupying the property i was attempting to refinance first. 

I need Ditech to remove the inquiry from my credit report because i feel they were not honest with me up-front concerning their financing policies.
Consumer complaint received 2020-01-29
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. (OH)

Equifax ; XXXX  and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

On Friday XX/XX/XXXX I went to the Suntrust XXXX XXXX Branch ATM on XXXX XXXX XXXX, XXXX XXXX Florida to make a withdrawal of $ XXXX from my XXXX XXXX XXXX XXXX. The time was XXXX. There was no sign or any message that the machine was out of service. 
The machine took all my info including a {$3.00} fee and then informed me that it was " unable to process '' my request. I went into the branch and was informed they were aware the machine was OOS and were awaiting a technician to make repairs. I requested a sign be posted but was told the technician was on the way. An hour later on my 4th trip to Suntrust there was still no info to let the customer know the machine was out of service. Had there been a notice none of this would have happened. 
I then went to another branch and the ATM there informed me I had 'insufficient ' funds to complete the transaction. I then returned home and checked on line my XXXX   account and was surprised that, with the conversion, XXXX  had debited C {$960.00} from my account. I then returned to the XXXX XXXX branch and talked to the assistant mgr who informed me the problem was with my XXXX XXXX  and not the fault of Suntrust, and that I should contact my XXXX XXXX  and lodge a complaint. 
I didn't believe her, and returned home, called the XXXX XXXX in XXXX, and even though they or myself didn't believe that XXXX was responsible, set up a fraud complaint file and advised me to return to Suntrust and re talk with them. On my fourth trip to Suntrust the asst. mgr still insisted the problem was with my XXXX XXXX and not Suntrust. I explained that Suntrust ATM didn't dispense my {$700.00} because it was 'unable to process ' but electronically informed XXXX that it did and XXXX   sent Suntrust {$700.00} from my XXXX checking account. This totals $ XXXX that Suntrust now had. This has caused me to miss my first mortgage payment in eight years. 
I talked to Mgr XXXX four times, but was told today Suntrust is set up for the defrauded customer to have to do the fighting with the bank from where the funds were taken from ; NOT Suntrust ATM that failed to dispense the funds as Suntrust does not service their machines. 
That means Suntrust takes no responsibility for their errors and places the onus on the consumer/customer to suffer. 
With four employees inside who knew the ATM was OOS, why did not one of them  place a sign on the ATM? Would it have been too much of an effort to do so? 
I can only guess it would have been even though I requested a notice be placed on the machine. Over an hour later there was still no notice on the ATM. With the popularity of that branch, I can only imagine how many customers have been inconvenienced and have lost money by the lack of management responsibility and Suntrust policy.
Consumer complaint received 2018-11-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Choice Recovery, Inc. (NJ)

I received a collection letter from Choice Recovery Inc. alleging a debt to XXXX XXXX XXXX in the amount of {$120.00}. I responded in writing to inform Choice Recovery Inc. that I have no record of any {$120.00} debt to XXXX XXXX XXXX, which office routinely makes billing errors, and that a bona fide dispute exists as to whether or not this debt exists. I did not hear back from Choice Recovery Inc. ; certainly they did not provide me any documentation to evidence the existence of this debt. However, on XX/XX/2018 Choice Recovery Inc. informed the credit ratings agencies that this debt had been placed for correction. My FICO score dropped immediately dropped from XXXX to XXXX.
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in XXXXection 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-07-09
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: Garcadia Financial LLC (TX)

I notified XXXX that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. XXXX however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX me. The XXXX rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-Foursight Capital/XXXX XXXX issue- I have reported for two years to the bureaus that Foursight has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX is the only one that removed XXXX XXXX. Please have all bureaus remove the Foursight & XXXX XXXX. Thanks
Consumer complaint received 2022-08-07
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NY)

I CALLED ALL THREE CREDIT BUREAU 'S TO FILE A DISPUTE IN REGUARDS TO MY XXXX XXXXt CARD. MY ACCOUNT WAS NEVER IN DEFAULT OR LATE. THIS WAS DURING THE COVID19 PANDEMIC.. THIS ISNT FAIR THAT ITS NOT BEEN TAKEN CARE OF AND MAKES ME NOT ABLE TO QUALIFY FOR A MORTGAGE OR A PERSONAL LOAN WHEN IN DISTRESS NEED OF ONE. I'VE TRIED CALLING AND CALLING AND PLACED DISPUTES AND THEY DONT DO ANYTHING NOR REPLY BACK AS TO WHY ITS ACCURATE. ALSO FOR JP MORGAN CREDIT CARD SERVICES.. THE ACCOUNT HAS BEEN CLOSED AND PAID FOR.. ITS SHOWN IT WASNT PAID FOR. PLEASE HELP HELP HELPPPPP!!!!!!!
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NV)

Due to the hardship of covid 19. I decided to take on the covid relief program from XXXX XXXX XXXX. Not knowing that Wells Fargo was going to continue to report late fees and 30 days late on to my credit report.