davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

This is the continuation of efforts of the credit reporting agency to increase profits, regardless of verification of item, to ensure that they can continue to evade the required verification, they restrict disputes through their website or other means, while maintaining inaccurate information. The social security administration in 2005 found that they issued the same information and social security number to XXXX liked named information, in such, per the name changed for the record, and thru the SSA, my name is XXXX XXXX. Experian still regardless of the fact that the name listed on my credit report to my social security number, still maintains the inaccurate information, and thereby maintains and lists information on my credit report from the inaccurate person. In their response to dispute they inform that the verification is their paying corporations, and that whether actual verification of not to the true identity, their paying corporations are superior to factual verification. I herein state that if they remove the inaccurate, names that appear to my credit profile, then all the inaccurate credit entries, inaccurate inquiries associated with those names, then all of my credit disputes would be satisfied. Experian avoids compliance by denying consumers the right to dispute, which inofitself violates the standards of fair and accurate reporting. I herein request that they remove all names that do n't verify with my assigned social security number, and all inquiries that are n't associated with my actual name and identity based upon the issued and assigned social security number.
Consumer complaint received 2022-08-04
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/16 a dispute and validation of a bankruptcy being recorded on my credit request was made to Experian in regards to inaccurate information contained in the credit report. I received a response back from Experian that they would not investigate the matter further as they verified the information. I personally went to the court and was told that no one from Experian attempted to validate the information and that the court does not submit any information to credit reporting companies. Experian continues to refuse to show or provide the method of validation of this information. As the court themselves has not validated. The utilizing a third party to verify information violates both legal and fair credit reporting guidelines.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I have submitted a complaint with the annualcreditreport.com website but have not heard back. I have on several occasions since XX/XX/XXXX attempted to get my credit reports from that website but every time each of these sites say that they are " unable to provide my credit report, and to submit requests by mail '' with multiple different documentation at my own expense. I have not been able to get my credit report from Experian or XXXX in over 3yrs and have not seen my XXXX in over a yr. How can I know if my identy has been stolen if these companies prevent me from checking my information, and how can it be a " free report '' if I have to spend money to copy/print and mail additional information at my own expense?
Consumer complaint received 2015-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBM Services, Inc. (MI)

I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone credit report?
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (PA)

I received a call from PennCredit claiming that I owe a debt for tax on a motorcycle that I purchased 10 years ago and that I purchased it under fair market value and so I still owed tax on that fair market value. The first woman who called refused to furnish me with all the pertinent info concerning who the debt was owed to. No full institution name, no account number concerning this alleged debt, not contact info and not even a full explanation. I asked for these things after making them aware that I did not receive any 30 day notice from any organization that I had a debt that would be put in collections, I also verbalized that this debt is definitely some misunderstanding because I bought this motorcycle completely wrecked and I notified the tags/title agency of the explanation as to why it was therefore under fair market value. The woman was rude and uncooperative and threatened that this would be placed on my credit report as a delinquent account. I advised her that the debt was over 7 years old and that she was not allowed to do that ... that in fact the debt is over 10 years old. I told her that I was going to have to file a complaint and possible judgement and she told me that there was no statute of limitations and that my credit report would reflect the delinquent account. I then called back in an hour and spoke to XXXX who was equally as rude, yelled at me and spoke over me while I was trying to obtain information to contact the debtor, I got nowhere with this agency and was threatened the entire time. I do not owe this debt and I had to search long and hard and make many phone calls to finally get a hold of an institution ( PA Dept of Revenue ) and find the right dept. I am currently working to resolve this mistake but PennCredit does not care and will not be reasonable while I work through this ... they continue to threaten.
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (NY)

I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.
Consumer complaint received 2015-05-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MSW Capital, LLC (GA)

This is an update to Case : XXXX and XXXXCourt date was XXXX XXXX. Attorney XXXX XXXX informed me that they have done all they were obligated to do. While he agrees that this has been going on a long time, they are not obligated to notify me since I disputed the debt. XXXX, XXXX XXXX XXXX XXXX notified me of the debt collection via a letter dated XXXX XXXX, XX/XX/XXXX. In that letter I was NOT informed of the original creditor. XXXX, XXXX and XXXX did not notify me of the original creditor until a letter dated XXXX XXXX, XXXX. In addition, as of today 's date XXXX, XXXX and XXXX still have not provided ALL of the requested information in my fax to them dated XXXX XXXX, XX/XX/XXXX. 
After Attorney XXXX XXXX told me that they have no obligation to notify me and that they have done all that they are obligated to do, I asked him what where my options. He advised me to pay a lump sum on the debt or set up installment payments. As it was apparent that XXXX XXXX, as has been done before by XXXX, XXXX and XXXX, was attempting to side step the law, I asked for a continuance of the case so that I can hire an attorney. That date is now scheduled for XXXX XXXX. 

I have been advised that based on what has occurred to file complaints with the State Bar of Georgia against XXXX, XXXX and XXXX and Attorney XXXX XXXX as well as filing complaints against MSW Capital with the Governor 's Office of Consumer Protection and Federal Trade Commission. Those complaints will be completed this week. Copies of CFPB complaints will be included in the new complaints.
Consumer complaint received 2015-12-21
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: MNE Services, Inc (SC)

I contacted United Cash Loans by telephone to a XXXX XXXX @ XXXX XXXX XXXX to obtain an installment loan for {$5000.00}. 
In order to obtain this loan I was instructed to purchase XXXX XXXX red label forms and telephone the numbers to XXXX XXXX. I purchased {$950.00} of these XXXX Transfer tickets which cost me {$1000.00} and gave the numbers over the telephone to XXXX XXXX. ( these numbers are available from me upon request ). Then XXXX XXXX requested more money claiming that I must pay income tax on this loan. 
As this did not sound legitimate to me, I contacted the XXXX XXXX XXXX to file a complaint. The XXXX contacted this loan company twice with no response from the loan company. Names and file numbers for this complaint are available upon request.
Consumer complaint received 2016-11-19
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: SLM CORPORATION (NH)

My sister is a student and has bad credit so she asked my wife and I to co-sign on her loan. My wife applied and was rejected. I then tried ( my income is much higher ) and I was rejected. I called to ask how this was possible ( I have a high salary and an XXXX XXXX score ). Sallie Mae explained that it was a hard rejection because of my sisters credit history. I told them that it was not reasonable for them to have me apply for as a co-signer when they knew all along, that it would be rejected. This means i got dinged on my credit score for applying for a loan and I show that it was rejected. Their response was that I should have applied over the phone instead of using the link in the email I got -- they would have told me it would have been denied. 

This is not fair and could easily be avoided if the application process checked the primary borrower first and only solicited the second person if there was a chance of acceptance with the co-signer. The CSR said they wo n't fix it and they would not escalate my complaint.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

Further to claim # XXXX, I acknowledge receipt of Chase response dated XX/XX/XXXX in which the include a lock-in-agreement dated XX/XX/XXXX. 
This was an agreement I was told to sign so that they can secure at least the 5 % interest rate. I had wanted to get the lower rate which at the time was a lower than 4 % for the 20 year loan I really wanted at the time but I was told that I did n't qualify for that rate. No explanation was given. No one ever mentioned that I could qualify under the HARP program nor I had any idea such a program existed until not too long ago when I kept reading about it. No one ever told me that I could refinance with any other institution either. I had a 20 year loan which I had to increased it to 30 years to get the lower rate (!!!!??? ) I had tried re-financing not too long ago and I was n't able to do so either and this may be because Reading thru the Truth in Lending Disclosure Statement, it says that that 'there is no guarantee I will be able to refinance to lower my rate and payments (! ) No wonder Chase closed on the refinance so quickly. The Lock in agreement is dated XX/XX/XXXX the loan was effective XX/XX/XXXX. 
Chase said that I did n't need an attorney nor anything. Chase sent a notary to my house to sign the documents but the lady left me with unsigned documents. 
The Lock in agreement indicates that there were no fees ; however, the HUD says something completely different. ( see copy attached ) None of my documents indicate that the loan was under the HARP program and as I stated before, every time I have called Chase, each representative stated that I I did n't have a HARP loan because for some reason ( they did n't know exactly why ) I had not qualified for one. How is it possible that Chase representative could n't tell whether or not I had a HARP loan. This was not just one representative but every representative I called. ( I had called in several occasions ) I remember finding it very strange that the loan had been processed so quickly, yet no one volunteered any information. 
I notice now that among the documents that there are is a HUD from XXXX XXXX XXXX XXXX and it also says that I could 've paid them?? May I know why. What was the advantage or disadvantage? 
While I was able to reduce my payments, this was due only to the fact that I increased the term of the loan not because of the advantage that HARP program could 've given me at the time. 
Due to another situation with another loan, it occurred to me to inquire JPM Chase about the ownership of the note on my mortgage for my house, the representative told me that Chase does not sell its notes. However, when I called again on a different day and asked for a copy of the note, I was told that the loan owner was XXXX XXXX I feel JPM Chase misled me and misrepresented the refinance of my loan effected in XX/XX/XXXX.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

We are using JP Morgan Chase as our lenders for a home mortgage loan. We have received nothing, but frustration, disappointment and anxiety from Chase team. Despite giving them the required documents and a projected closing date 6 months in advance, Chase has been unsuccessful in processing my file for closing on time. At this stage, we have no indication or tentative timelines as to when we would close. In anticipation of closing, we provided notice to end our lease agreement at our current rental apartment. This means that we are now without a roof over our heads. Where do I take my family? Chase has not given any attention to the vulnerable situation I have been put into, nor have they cared enough to return my phone calls. The XXXX XXXX manager claims that he will " look after us '' and I keep wondering how he would when he ca n't even return my calls. We have escalated our concerns within Chase as best as possible, without any success. The team informs us that they have transferred our file to an expedited status. It has been over a week now. If the expedited process takes this long, I wonder how long would the normal process take. Why should I give my business to Chase mortgage department when they have been nothing short of a reason for stress and anxiety to me and my family. I have no words to describe my disappointment and frustration with Chase over the past 8 months.
Consumer complaint received 2017-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX   XXXX   which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (SC)

I enrolled in an At & T access more card offer that advertised a XXXX $ At & t phone credit when XXXX $ was spent within the first 3 months. I hit the mark on our XXXX statement and called in multiple times to confirm I was over the XXXX $ mark. Every person I talked to at Citi confirmed I was over the mark. Only after the 3 month period passed did I learn that I was XXXX $ short because they would not count the credit card fee towards the total. I was misled by multiple customer service reps and now I wont qualify for the offer. I attached a chat with a Citi rep confirming that my credit would arrive soon. Later I was told to fax in a proof of purchase which I also did. Only now have I been told I was XXXX $ short. Citi 's mistake has led to my cost of XXXX .
Consumer complaint received 2016-06-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

This letter is to notify you about a problem I am having with Chase XXXX Lien Holder Department in regards to prolonging the short sale process of my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. 
I am dissatisfied with the Short Sale Department at Chase because I have now been informed that the file has been selected for yet another internal review for the THIRD time. The file was OK 'd by the management department and was sent to the closing department to finish the short sale process. Now, randomly Chase has decided to pull the file once again to do another internal review of the file KNOWING that the short sale approval for the XXXX bank XXXX is expiring on XXXX XXXX, 2016. 
XXXX has already extended their short sale approval XXXX times to accommodate Chase 's numerous internal reviews and rejection of previous buyers and real estate broker. The short sale approval from XXXX expires on XXXX XXXX, 2016 and I 'm not sure if they will extend it again. 
To be honest, this entire process has been a nightmare. I can tell you frankly as a homeowner who now finds herself in the situation where she needs to short sell a house, I am disappointed and sad about my own inability to successfully complete a regular sale of my property. When I was laid off a year and a half ago after going on XXXX leave to look after my XXXX, I was desperate to find solutions to deal with a difficult financial situation. That situation has only become worse with our property catching fire and sustaining considerable damage. I am now currently looking for work in XXXX as I have been unemployed for over a year and have been advised that there is more work available there. Living with help and assistance from family and friends I have been able to get by. However, with the property being located in XXXX and being in XXXX, this is a big source of worry. Also, a neighbor that I am still in contact with has told me that there have been many suspicious people on and around the property attempting entry. This property is a serious liability and has caused XXXX for me. My only hope was that Chase would be able to see that I am a homeowner who is attempting to do the right thing and let go of this property in a way that will satisfy all parties involved. 
I now realize that Chase does not want to assist me in my efforts to complete a short sale on the property. It seems that Chase would rather have the property foreclosed on. 
I wrote a letter to XXXX XXXX XXXX dated on XXXX XXXX, 2016 to try to resolve this internally with Chase with no luck. See that letter attached.
Consumer complaint received 2015-11-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

I made an ATM check deposit of {$24.00} but Chase bank made a mistake and reported it as {$920.00} on XXXX/XXXX/15. They corrected their mistake on XXXX/XXXX/15 2 months later and debited {$900.00} from my account without my knowledge or notice and over drafted my account. I made a car payment online on XXXX/XXXX/15 and XXXX received that payment on XXXX/XXXX/15 before Chase decided to correct their error on XXXX/XXXX/15. Chase then decided to return the payment from XXXX and disregard my car payment that was processed before their adjustment. I think this is illegal and ridiculous that a bank would process a transaction to benefit and correct their mistake. Transactions should happen in chronological order not when Chase feels like honoring and online transaction. They should be responsible for their mistakes and not penalize their consumers for their negligence. My car payment should have been processed because there were sufficient funds in my account at the time the transaction was made. Chase should be responsible for honoring my car payment and take care of any fees assessed to me by XXXX. Transactions should be placed in chronological order.