davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I disputed the validity of a public record item I had noticed on my credit report and Equifax deemed it as Released/satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just und er ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and damning my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!
Consumer complaint received 2017-08-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

First Equifax did not full investigate the reinsertion of XXXX XXXX for XXXX XXXX. They can not produce evidence of said original bill. XXXX investigate and found my information to be accurate and removed the account for {$1700.00}. Not once since I started disputing did I receive any written notice of this " new bill '' or a copy of old. Was not notified within 30 days. I started disputing in XX/XX/XXXX it is almost XX/XX/XXXX. This account was added in XX/XX/XXXX, removed and added again XX/XX/XXXX like a new account. Next Equifax put every word I wrote in my complaint to consumer finance on my credit report as a statement from me. I never requested that it be added. I submitted a complaint not something I wanted added so when a company pulls my report they do n't see a huge paragraph from me. I 'm not sure who or why it was added but I never requested a consumer statement be added and o do n't think it 's professional to add a private complaint to my credit report without my permission.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

I have disputed the issue with Equifax, but have received no response other than a request for more information that I responded to over 2 months ago. I am trying to get a  " Fraud Victim Extended Alert ''   removed from the account. Equifax is extremely difficult to contact I have written 3 times via snail mail ; the last  X/X/2017   .
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (WV)

I purchased a   XXXX    XXXX   XXXX  from DriveTime, their  XXXX , MD office. Within 30 days of the purchases, I 've had to buy  XXXX  front tires 2 times. My front tires were wearing down to the metal treads wit hin 4-7 days.      When I bought the second set of tires the mechanic realized that the drivers side front shock spring was broken. I thought it was something I had done but the mechanic said that whoever inspected the car knew about it because they put a zip tie on it. I looked on the inspection order and noticed that the company had marked that suspension as a pass.     They also marked the windshield as repaired, there had been a chip in it when I purchased the truck. Well, that " repaired '' chip had grown to a full crack that stretched across the bottom of my windshield. Also, they had on the inspection order that my rear rig ht brake was repaired ... not true. That brake is ro utinely engaged while I 'm driving. It 's gotten to the point where it is now digging into my rotors so now I need those as well. As a sidebar, the AC does n't work but that 's not a safety issue.      So I contacted Drive Time an d told them what was going on. They told me to call  XXXX   XXXX  which was there extended warranty company. I did that, told them what was going on, they basically kept repeating that they only work with engine problems ... essentially telling me to get lost, that 's my lost. They did n't even have the decency to give me a detailed response. They just kept repeating that they only cover the engine and then left open silence to influence me to disappear.     So  I called Drive Time again, they 're throwing me around to customer service. After 4 tra nsfers they 're still trying to avoid the repairs but they want me to get it looked at with a full diagnostic at one of their partnering shops. It 's getting frustrating. I 've never had a car buying experience like this before.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (CA)

My wife and I moved out of out of   XXXX   XXXX   last year. The apartment company claimed that they wanted more money to cover cleaning fees for the unit, however it was in good condition when we left. In addition, we had the unit professionally cleaned and provided  XXXX  with a copy of the receipt. My wife began communicating with  XXXX   XXXX  via email to resolve the discrepancy, but  XXXX  stopped responding to our emails in  XXXX . We received the move out  XXXX  final account ) statement on   XXXX   XXXX    We responded stating that it had appeared that we had been mischarged and pointed out the discrepancies. We received a response from  XXXX   XXXX  stating that they would review and revise and get back to us. They never got back to us. After numerous email follow ups, we visited the leasing office in person and spoke wit  XXXX   XXXX   XXXX   who assured us that   XXXX   would respond, but we still never got a response. We began receiving notifications from a generic, no-reply email alias from  XXXX  and tried to get in touch with them again about the errors, but received no response. Now we see that they have sent us to a collections company without even bothering to address our concerns. In actuality, based on our calculations,  XXXX  owes us a little over {$70.00}, but we were willing to forgo that amount if we could stop wasting time dealing with this issue. Now we hear that the collection agency has been harassing my in-laws for a debt that we have clearly disputed. The agency continues to call my parents-in-law about me ( not even my wife! ) and will not relent. The collection agency has yet to make phone contact with either of us directly, even though  XXXX  would have provided our contact information to them, and makes improper contact to individuals unassociated with this matter.
Consumer complaint received 2017-04-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber (CA)

I am contacting you in desire need before i take legal action against a company that has placed a collection account on my credit. My concern like i advised the attorney i met with is that i have never received a notice from the company asking if the account was mine and if so work with me on some payment options .... be advised none of that has happened and the account is not mine, I have no knowledge of what is is for.     The attorney told me this is a violation of the FCRA and ha s sued Grant and Weber before actually a few months ago for this and similar violations.      I am requesting the following account be removed immediately if not a suit will be f ile in Federal Court.      Grant & Weber Account  Number   XXXX
Consumer complaint received 2017-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (TX)

This complaint is for a private student loan I have wi th Citibank Student L oans. The amount owed on the account was {$2300.00}. This account was settled with their preferred collection company,  XXXX   XXXX ,  XXXX  in  XXXX  of  2016  for {$590.00} . Citibank is n ot acknowledging this account as settled and is still negatively reporting it to the credit bureaus. After contacting  XXXX   XXXX  about this they sent me a letter stating that the account has been settled and contacted Citibank regarding this. Since then, Citibank has closed the original account as " transferred to another lender '' and reopened the account  under " Citibank N.A ' ' and "  XXXX  \Citibank N.A . '' with a b alance of {$1700. 00} ( whic h is the difference from the original amount owed and the paid settlement amount ). The accounts are countinously reporting late, deferred and opened with a {$1700.00} balance on my credit files after several disputes and attempts to correct them . Citibank is  in violation of the FCRA. They have cause  my credit score to dra stically decrease by  XXXX  points with the false reporting and duplicate additions of these accounts, and they have cause me to be denied for a mortgage loan. Please help.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX XXXX I paid off my Chase credit card in full and closed it out I never received a bill afterwards for the day or two days that interest had occurred which came to {$7.00} my credit score went down 62 points because that {$7.00} was n't paid. Chase reported at that it was a late payment more than 30 days on my credit card I had no idea that that interest had occurred due to the fact that I closed out the account I never received a paper bill they said they sent me an email but it must have went into my spam. I called Chase and ask them to reverse it being so I was trying to get my credit score up and just cause my credit score to go down 62 points and they refused to help me
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (MA)

I am totally  XXXX . I have been totally  XXXX  since  XXXX . I have been receiving social security  XXXX  since  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I provided this information to MOHELA when I went on   XXXX   XXXX    XXXX . I was told that while there was no loan forgiveness for  XXXX  ( I WAS TOLD THERE WAS NO LOAN FORGIVENESS ) that I did qualify for payment adjustments based on income. I provided copies of my social security notification in  XXXX  and was mailed information about income based payments. I have occasional income, but it has never exceeded the amount set by social security. I sent a very comprehensive set of documents to MOHELA in  XXXX . Despite MOHELA knowing of the permanent  XXXX  and having the documents, no one has ever discussed anything other than forbearance. Each time since then that I have discussed adjusting my loans I am advised to fill out forms for forbearance. I have inquired if there are forms that my doctor can provide related to being permanently  XXXX  on at l east two occasion s and I have been told no, but advised of forbearance and sent these forms. Occasions have arisen when I was hospitalized and had hospital bills not covered by insurance. I have inquired about other ways to handle my loan and clarified that I was totally  XXXX , but each time I am instructed about forbearance and am sent forbearance forms. It was not until today that I received any information about forgiveness. It is my understanding that Social Security notified MOHELA of my status and they then sent me forms describing what I required to have the loan forgiven. It appears that I have qualified for this since  XXXX .
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL (FL)

I informed Synchrony Bank/ JCPenny that I lost my job after being XXXX in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called XXXX XXXX XXXX XXXX after I was served with papers at my home informing me that they were representing Synchrony Bank in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I am going through a divorce with my ex wife XXXX XXXX. During the proceedings I closed and paid off all of our joint accounts. In XXXX got an alert from XXXX that my usage on my XXXX XXXX had spiked and that the balance was almost {$12000.00}. I called XXXX as I have another card through them and was informed of this card for the first time which is in my ex wife 's name with me listed as a secondary guarantor. I told them on XXXX to close the account and they told me that could only be done by the primary card holder. 

I was then directed to the fraud resolution department which I spoke to on XXXX XXXX, XXXX, and XXXX th. The account was finally closed on XXXX XXXX, XXXX but by then the amount owed had risen to {$18000.00}. I told them that I had never authorized this card and they verified that I have never charged anything on the card. I have since requested a copy of the card holder agreement on XXXX XXXX and was told it was sent. On XXXX XXXX, XXXX I was told it was sent to my ex wife in error. I then resubmitted the request on XXXX XXXX, XXXX and was told it was coming my address which was verified. When I called today and spoke to a supervisor I was told it could only be sent to the primary card holder. 

I then sent a fax as directed explaining my situation again. If they can not provide me with an agreement I have requested they remove me as a guarantror.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

On  XXXX   XXXX ,  2017 th e IRS submitted a form  XXXX  withdrawing an IRS lien.   XXXX   immediately removed this lien from my credit report and my wife 's. I filed a dispute with Experian however their " investigation '' confirmed the lien was valid despite the fact that I submitted to them the IRS form  XXXX  and this form was recorded with the  XXXX  County  Recorder 's Office, th e very office they state they verified the validity of the lien with.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. ()

I disputed online using Experian website and submitted proof that the judgment was paid in full. I sent payment proof and invoice from the  XXXX  County court house showing that the judgment was paid in full.   All other credit bureaus have accepted the information and removed the judgment but Experian has failed to remove it. I spoke with a representative at Experian and was told they can not remove it. I tried to dispute only  a 2nd ti me and no luck with Experian.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

My property tax bill was corrected and decreased due to a   XXXX   XXXX   XXXX     XXXX  rating for my spouse. My taxes are escrowed with my mortgage servicer ( required ). I notifie d Seterus, my mortgage servicer and provided the updated tax bill along with  a written request for an escrow analysis on  XXXX / XXXX / XXXX , which was confirmed received  by Seterus that day. I made several calls over the next month to Seterus and  they had notes but nothing was done. In addition, even though they had the documentation  6  weeks prior and all notes in their system acknowledged the new tax bill, they paid  XXXX  he county the 2nd  installment due ( for  XXXX   XXXX   )  the full amount of the previous bill therefore over {$1300.00} in overpayment which is due back to me. I called them again in early  XXXX  and threatened them with a complaint to the CFPB. At this point, I did receive the updated escrow analysis but they still have not resolved the overpayment. I was told last month that while the payment had been allocated to a batch payment to be se nt to the county, it had not yet disbursed, therefore they were researching having the fund s cut back out of the batch and would refund me. This has been going on for a month and as of today, it 's still being " researched ''. In closing, final complaint : my mortgage is paid every month and has not been assessed a late fee since prior to a modification in  XXXX . Yet, this company has a practice of harassing calls on the  XXXX  of the month if they have not received payment. I would refinance to get away from this servicer, but obviously, any company I refinance with could sell my loan to a servicer and I have no control. In addition, I most likely would not be able to beat my current interest rate so I 'm shackled to this mortgage servicer.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AL)

I joined  XXXX   XXXX  for a personal trainer, after receiving a personal trainer by the name of  XXXX . We setup payment dates which the money would be taken out on. One week prior to the first payment due, I reached out to  XXXX  to reschedule the first payment.  XXXX  was very understanding and she would let management know about the change.  XXXX  told  XXXX  another personal trainer and  XXXX  said he could change it but he never did.  XXXX  reason for not changing it was because he had personal family issues going on but that is not a good reason not to do your job plus that was unfair to me. So the {$250.00} was taken out of my account and that let me in a bind. The same day the money was taken out, I went up there to get it resolved but they were n't understanding or compliant at all. They said it is what it is and they can not do anything about it in a very rude manner. So I cancelled my membership and they still want me to pay for a gym I stopped attending the same day they refused my refund.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I had lost my credit cards quite a few times through Chase back in XXXX and had fraud charges from XXXX all the way to early XXXX. Each time I noticed my card was lost I promptly called Chase to report them lost. They removed all unauthorized transactions from my account and told me they would be investigating the fraudulent charges. Well I just received a call from someone in the fraud department today and was told that they were going to be placing XXXX in fraud charges back into my account within two billing cycles. I was so shocked and heart broken that they would be doing this. They informed me that the signatures matched and that they had evidence that it was me. I informed them that it was impossible as the cards were lost and I was never at the locations that the cards were used and that I demanded to have them show me the evidence they speak of she informed me that there was nothing she could do and cut me off and said sorry. I informed her that the FCRA states that I am not held liable for any unauthorized charges that I did not do she informed me that even if the police give them evidence that shows it was not me she cant guarantee that the charges would be removed from my account WHAT?!?! That does not make any sense to me what so ever. I XXXX  that many other people are having these same issues with Chase in their fraud claims and were treated the same way. They are doing very shady things and are making their customers pay for it. Please help me as I can not afford to pay XXXX in fraud charges that I did not do. Thank you.