davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I have disputed the incorrect accounts with Equifax multiple times now. They were included in a charged off bankruptcy and Equifax is the only credit agency that will not report them correctly even after sending them the bankruptcy paperwork to prove they were included. I called them multiple times and they make me sound like I am lying about the accounts. XXXX and XXXX XXXX report them correctly but Equifax does n't seem to care. This company has a duty to report my credit file correctly and has the power to make or break my credit. Why is it so hard to report my file correctly???
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

Hello., I disputed through the BBB XXXX accounts by a company called XXXX on my credit report thinking there would be no problem with them being removed. XXXX and XXXX removed them all as unverfiable. Equifax to the BBB that they verified the accounts, but I dont believe so. The information Equifax gave me was the exact contact information that was on my credit report. They did not give me names of representatives. Nothing. I am just very confused why they havent removed them. The other XXXX credit reporting agencies did. I also have XXXX more collection that is on my account that is reaching the seven year mark. I would kindly like it removed if possible. Its from a company called XXXX XXXX. I really did not want to open a dispute with them through the CFPB, but knowing the fact that XXXX and XXXX removed them all is really alarming to me. I am attaching XXXX documents showing that both these agencies did indeed delete them.I also would NOT like a message to the CFPB saying " we are working '' on it and making me wait a lot longer. I want this derogatory information removed upon receipt. Also Equifax has blocked me from opening a new dispute. In there dispute center. I put it in about 10 times and submitted. I have XXXX confurmation numbers saying these accounts are under investigation, but in actuality. I XXXX back into the dispute center and the dispute is if it has never happened. I would like this practice by Equifax investigated as well. I can provide all those dispute numbers in the future as well.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

My credit score with Equifax went down XXXX points without any apparent reason. I collected all available information online and there was nothing. Apparently getting a copy of my credit report will not provide a credit score. I pay all my bills on time 100 % of the time. This change in my credit score could drastically affect my ability to get a mortgage. The entire process of credit scoring needs to be much more transparent to the consumer in order to be disputed. Knowing the rules of the scoring game in order to increase a persons score is extremely confusing. I believe that any change more than XXXX points to a person 's score should require a 60 day written notice in order to be disputed by the consumer.
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NC)

The credit reporting agency has been compiling my information into some other person 's credit report and they tell me that I do not exist in their system when I give my social security number, name and address. The account that I found out about, is showing in a relative 's credit report for only XXXX credit reporting agency and the other XXXX credit reporting agencies are not having this problem at all. Among myself and my relative, we discovered that this particular credit reporting agency has been mashing our credit information together in a file under my relatives report and showed my name as " formerly known '' with current address and name, a similar name with spell in-corrections and all other sensitive data that was creating false extra credit towards my relatives credit history. Myself and my relative have called the credit reporting agency together and discussed this matter, to separate our data and they gave my relative a credit dispute file. The credit reporting agency representative also told me that they were creating a separate file with my information, since myself and my relative were both giving the agency separate and accurate information about our credit data. After 30 days, my relative 's credit dispute was acknowledged as complete. When I called the credit reporting agency, they ( the credit reporting agency ) told me that I do not exist in their system at all and I will have to call any company that I am involved with for credit data to re-report any credit data all over again or for myself to send in personal sensitive documents including : social security card, payment bill showing information, driver 's license, etc ... .., in which I have never had to do this for any credit reporting agency that I am aware of. I have been working on this issue for quite some time and it has really been hard on myself when it comes to getting any financial credit in good standing when I need.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I as well as the Original Creditor sent documentation as proof the account has been closed -Settled in Full. Equifax still refuses to report the account as a Closed collection on my credit report. The account is currently showing as an Open Collections.I as well as the creditor have reached out to Equifax to update their Database accordingly. Multiple disputes have been initiated with no resolution. I am not asking the account be removed. I am only asking that my credit file report it as a closed collections account, instead of an open collections Account as per the Document from the Original Creditor. Please see attached document as proof of account status.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I faxed a ID theft affidavit with a police report to Equifax claiming that I have no recollection of XXXX trade-lines that appear on my credit file. Equifax did not provide any information to confirm that they followed the procedures to conduct a reasonable investigation, specifically in a case involving ID theft, nor did they forwarded the documentation in this case to XXXX or XXXX. I am demanding that this Credit Reporting Agency follows the procedures as per the FCRA to assure that the information on my credit file is accurate.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (UT)

i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.
Consumer complaint received 2015-06-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CT)

I recently filled out the required forms to transfer IRA CD 's from Discover Bank to a different bank. The instructions that were sent to Discover Bank instructed them to perform these transactions " at maturity ''. They liquidated the accounts immediately ( XXXX XXXX, 2015 ) and an early termination penalty was charged. Since that time I have called Discover multiple times and the fiasco is still not resolved. This is after working multiple days with a supervisor, XXXX, at XXXX. Discover Bank has VERY POOR customer service and does not properly train and supervise their employees. Thanks for nothing XXXX for your association with Discover Bank.
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: DISCOVER BANK (MN)

My Son and I applied for a college student loan with Discover Student Loans because they have displayed/promote on their website viable rates as low 2.99 %. I have very good credit of XXXX and the lowest they gave was 6.5 %. I 'm not new to student loans because I have XXXX older Sons in college with private student loans also and I know what to expect. I think it 's a scam and dishonest to promote such a low rate when it 's really not available ( 'bait and switch ' ). I went with XXXX XXXX XXXX loans because I received a substantially better rate, Substantially!
Consumer complaint received 2015-07-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (CA)

# XXXXRise CreditXXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I need help in dealing with Rise Credit. I am a single mother who is living 138 % below the poverty level. I have had my share of credit problems and have owed more than I make for quite some time. 
I was misled by Rise Credit to believe that they were unlike other predatory loan companies. By the time I understood what I had sighed, I had paid them thousands of dollars in interest. I have recently become temporarily unemployed and called them to ask for help during my time of financial hardship. They refused any solution and my account is headed to collections now. 
In the last sixty days I have paid over XXXX dollars in interest and the total paid is far over the amount I initially borrowed from Rise. The interest is around XXXX percent. This is robbery and all of the necessities I have for myself and my children are suffering because of it. If I were to steal from someone like Rise has stolen from me it would be considered robbery. 
How is it that they can do this? I am asking for help for not only my family, but for all of the families targeted by these predatory loans meant to target those living in poverty and struggling to live paycheck to paycheck. 
Thank you so much for any assistance.
Consumer complaint received 2015-08-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (TX)

On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX i submitted a complaint through the CFPB - original case # XXXX. I disputed the fact that Experian was still reporting XXXX debts from XXXX XXXX. The company has agreed to stop reporting, it was already deleted from XXXX and XXXX. Experian responded by saying that the student loan would be deleted from my credit report. The accounts were never deleted. i 'm attaching proof of the response letter from Experian and my most recent credit report showing the loans still being reported. They are scheduled to be removed in XXXX. but its been 3 years since they should have been removed in the 1st place.
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Illegal collection practicesharrassmentthreatsThe mortgage company contacted me demanding that I bring the account current. In XXXX of this year I missed a payment but I 'm doing the best I can to pay once a month since then. 

XXXX, from Greentree started to read me the disclosure about collecting from me when I informed her she had no legal right to collect from me as I a not on the Note. I am only on title. This should all be in the notes in the file as I 've been having issues with Greentree and illegal collection tactics since XXXX 2015. 

The loan was in my exhusband 's name only. I was deeded title to the property in the divorce. He filed bankruptcy after the divorce and discharged the debt. I reaffirmed with Greentree and have been making the payments since. 

When I got one payment behind in XXXX, I started receiving up to 8 calls a day from Greentree trying to collect. Even after I told them repeatedly that they have no legal right to collect from me because I '' M NOT ON THE NOTE. 

Today I got a call from XXXX from Greentree demanding that I bring the account current or they would start foreclosure proceedings. 

I explained for the millionth time the situation. 

She continued to harrass me after I told her she did not have my permission to contact me at this number. She placed me on hold and put XXXX on the line. 

Then he proceeded to harrass and threaten me as well telling me that if I didi n't make a payment and bring the account current it would go into default. 


The account is only 27 days past due as of today XXXX told XXXX I would make another payment in about a month and that the house is under contract and I 'm just waiting for it to close. He demanded I tell him when it would close. How XXXX do I know? So I told him I would get my crystal ball out and see if that would tell me. 

Then XXXX said that I was living in 'Greentree 's property ' that it did n't belong to me and that I needed to bring the account current. It 's only 27 days past due. 

I am sick and tired XXXX. I am doing the best I can to keep the payments up. 

They have tried numerous times to collect from me after I have told them not to. 

I 'm tired of being harrassed when I 've done everything I can to keep sending in monthly payments. 

Hopefully my house will close quickly so I do n't have to deal with these jerks anymore.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

I have XXXX complaints regarding, 1. Mismanagement of my payments, and 2. the refusal of DiTech to send me mortgage statements and full disclosure of my account, prior to, during and after my bankruptcy and 3. the rude, disrespectful, callous disregard of my requests to resolve the aforementioned matters. 
Customer Service : DiTech Financial LLC, XXXX. XXXX XXXX, XXXX XXXX, S.D. XXXX Bankruptcy Correspondence Address : DiTech Bankruptcy Department, XXXX. XXXX XXXX, XXXX, South Dakota, XXXX When DiTech Financial took over payment management from Green Tree, I was and have always paid my mortgage 2 months in advance. Therefore if my billing stmt was XXXX/XXXX/XXXX, my due date was XXXX/XXXX/XXXX. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX DiTech took one whole principle and interest payment and mis-applied it without my consent. Therefore I am only 1 month in advance. Since bringing this to DiTech 's attention via phone calls ~ they have ceased sending me mortgage statements. I have not received any mortgage statements for XXXX/XXXX/XXXX to present XXXX XXXX. 
2. My bankruptcy was discharged on XXXX/XXXX/XXXX. I have been paying my mortgage without billing statements faithfully every month, throughout the bankruptcy. To date Di Tech refuses to respond to resolving the mismanagement of my payments, and to provide me with billing statements, and full disclosure of all my mortgage records from XX/XX/XXXX through present.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (CA)

My account was recently involved in a breach of Scottrade Bank 's security systems. In total XXXX Million+ customers were effected. 

I have asked Scottrade numerous times to provide explanation on what data was breached, however, Scottrade refuses to respond. 

Personally, I am closing my account with Scottrade and will not trust them with any personal information again. Every time I call, I get a rude customer support agent who sends me in circles going back and forth between departments and promising to follow up at a later point in time but never accomplishing anything.
Consumer complaint received 2015-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (MA)

National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.
Consumer complaint received 2015-12-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (OR)

I received a mailer from Chase notifying me that I was invited to receive a Chase credit card ; the language on the mailer said " complete your certificate '', " mail your invitation '', " request your card today ''. Nowhere on the mailer did the words " apply '' or " application '' appear, so I was led to believe that the card was mine, and all I had to do was request it. When I did so, Chase checked my credit report and denied me the card! 

Chase went out of their way to hide that this was, in the end, a credit card application, rather than some kind of automatic, pre-approved offer. **This is clearly a case a misleading/deceptive advertising. ** If I 'm being asked to apply for a card, the word " apply '' should appear somewhere on the letter! 

When I spoke to them over the phone, they insisted that this was an " invitation to apply '', even though the word " apply '' appeared nowhere on the letter I received! If I had known that *denial* was even a possibility, I would n't have responded to the letter - it 's not worth the negative hit on my credit score. 

I am happy to send the CFPB a copy of the letter I received from Chase.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (VA)

On vacation, calling from our car, I used our credit card to book a hotel room by phone through XXXX. My wife was looking at the website on her tablet. The XXXX page states the XXXX following reassurances : " And there are absolutely no booking fees. '' and on the lower left " Best Rate Guarantee ''. I was told during that call that the total was {$99.00} and that I would need to pay the separate {$15.00} pet fee at the XXXX motel. Upon paying that fee with our XXXX at checkout I asked for a receipt and was provided with the attached. It shows the room rate paid of {$82.00} on a XXXX ending in XXXX. This is not our card, but apparently that of the booking agent. Further, the XXXX WA address provided is not our address, but belongs with that booking agent card. Despite the no fee claim on the XXXX website, they have collected a hefty fee of over {$15.00}. Also, we interpreted Best Rate Guarantee to mean that a discount rate would be extended, such as auto club. In fact the {$99.00} represents a full price. We did not realize until too late that the terms of the Best Price Guarantee are limited to catching them within XXXX hours. XXXX is misleading and defrauding thousands of people each day since so many of us travel with our pets. Once home I contacted my XXXX card bank to dispute the fee portion only to be told by the Chase representative that XXXX " did provide a service ''. I was connected with a representative from XXXX and no resolution was achieved. I called Chase Bank again and asked to file a written dispute and was told by Chase Bank that no forms would be mailed. In addition to XXXX 's deception, Chase Bank is denying me my right to dispute a fraudulent charge amount.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NY)

I am currently paying a {$120.00} annual fee for the Chase Sapphire Preferred Card, which is one of my favorite credit card products. Today, I found out my friends, who signed up for the same card during the same time as I did, is paying {$95.00} in annual fee. The company advised me that the Credit Card companies posts test links in the market to test a price plan. I, unfortunately, was targeted with a higher cost fee and the Customer Service Rep advised that he has seen a fee as high as {$150.00}. I advised that this does n't sound fair to me, considering the card has the same benefit as the Chase Sapphire Preferred that charges {$95.00} annual fee. This is very misleading to to consumers and I am concerned that it is targeting the audience unfairly. How many other consumers are they targeting at un-equal prices? Please advise. 

Thank you, XXXX
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My partners and I opened a business account for our company XXXX with Chase on XXXX XXXX and on XXXX XXXX we deposited a seed money check from our investor. We were told that the funds would be held until XXXX XXXX. I told them that this is unacceptable and that I would need at least a portion of the funds releasde within a few days. The agent told me that would more than likely be no problem. However, it is now the XXXX of XXXX and the funds are still not available. I have spoken with my investor and was told that the funds were removed from his account on XXXX XXXX.