davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I called Chase Credit Card Services several months ago to ask why interest was accruing on my account. I had recently done a balance transfer and was not aware of the implications on my grace period ( which I found out months later ). I was instructed to pay my purchases in full which were stated at the top of the bill. I pay my card on time and typically in full each month. The next several months I paid slightly more then the purchase amount at the top of the bill yet interest was still accruing. I called Chase today and spoke with the rep who clearly did not understand how the statements work - it started with pay your bill in full and after several holds as she needed clarification it continued with the minimum payment goes to your purchases and the rest goes to your balance transfer till finally after over 20 minutes she found out that balance transfers eliminate grace periods. I asked for the interest to be refunded maybe {$75.00} total as I was previously told something different. I then spoke with the manager who should not be in customer service. XXXX of the frustrations is that I was told they are charging interest on a figure that I can not see and that it 's a " long drawn out calculation that is done in the system ''. How am I supposed to know why I 'm being charged something if its not disclosed. After much back and forth with the manager it was clear that she was knowledgable enough to throw out terms but not knowledgeable enough to fully educate the consumer. Having been in finance for years this is not that complicated but the lack of transparency and not being clear on the statements is cause for concern. After much discussion I further inquired about the interest portion on the bottom of my bill and she figured out it was my average daily balance that I 'm getting charged interest on - again this makes no sense as these figures I was told previously by the first rep - ignore those and just look at the purchase amount. The second rep said they were the purchase amount ( no this is at the top of the bill ) and the manager stated this was the average daily balance ( not stated anywhere in the section ). I simply wanted to know what I was getting charged interest on and no one could answer this. When I asked for a refund of the approx {$75.00} of interest the manager said no even though it was my previous communication with the rep that stated I would n't accrue interest if I paid my purchase amount in full. She said they had already refunded my interest once before ( which they did the first time I called to find out why there was interest on my bill ). I 've been a customer for years and the lack of transparency, the lack of understanding on their own products and the deliberate, what feels like deceit, in allowing the statements to be clear about what interest in being charged on and why is incredible frustrating and leaves me feeling disgusted.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

There are several issues 1. I could n't get my free credit report because I do n't have Social Security Number. 

2. I 'm keep receiving " prescreened '' offers from lots of companies and I want to stop receiving " prescreened '' offers of credit from companies for 5 years but could n't do that because I do n't have Social Security Number. 

3. The name on prescreened offers is slightly different from my name. I guess the information in the credit report is wrong but I ca n't check it because I could n't get my credit report. 

4. I received a phone-call from a debt collector that I have a bad debt which I do n't know. 

The information that federated law ( debt collector ) told me : I have a bad debt for consumer credit card from XXXX which I did n't pay since XXXX. 

Fact : I entered XXXX at XXXX. Before XXXX, for XXXX years, I 've never lived in XXXX. So I did n't and could n't have XXXX credit card. I also checked from XXXX that there is no such record that I owned account before XXXX in XXXX. 

I appealed this to the debt collector and they sent me a letter and ID theft affidavit. The name on the envelope and the letter were same as prescreened offers, which is slightly different from mine. I doubt the " debt collector '' might be scam but the name on the envelope gives me a sense that my credit report might be wrong. 

5. For the reason I described above, I want to place a fraud alert on my credit report but I could n't because I do n't have Social Security Number.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blitt and Gaines, P.C. (IL)

I was contacted by XXXX XXXX XXXX and Blitt & Gaines law firms that were hired by XXXX to collect a debt XXXX claimed to have purcashed from XXXX XXXX XXXX. They summons me to court and I stated I needed proof they were the legal owners of the debt. At no time I entered into any agreement with XXXX XXXX XXXX XXXX XXXX. I requested the original signiture document showing proof of the purchase from the bank. They never provided it to me. It is my belief that XXXX XXXX XXXX XXXX XXXX violated my rights in accordnace with TILA. I was not given notice in writing as to the assignment made on the alleged debt or that XXXX XXXX XXXX XXXX XXXX was considered assignee.I do not have a contract with XXXX XXXX XXXX XXXX XXXX. I also believe XXXX XXXX I is in violation of the Fair Debt Collection Practices Act. They reported on my credit report I was in collections ahead of the case ever being settled in court. The Judge handling the case asked the law firms to produce the documents but they never did. The judge told me it did not matter because I owe the money to someone and even if they did not produce the documents on the next court date he would make a decision for me to pay XXXX XXXX XXXX XXXX XXXX the debt. I even tried to work out the debt amount with them since I was being forced to pay it and XXXX said they did not have a plan in place to reduce the XXXX I owed them. So I was forced to start paying them.
Consumer complaint received 2016-08-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$9500.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$9500.00} when in fact, {$8500.00} were attorney fees, paid directly to XXXX.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

We have XXXX mortgage accounts with the same company which misapplied the payment for XXXX account to the other making the payment late. When we ask for a correction XXXX payments was put into an expense account, not crediting either account making the payments late and reporting it to the credit bureau. XXXX account we 've had for 11 years and the other for 9 years and have never been late on either XXXX. The problem started back in XXXX and have not been totally corrected as of this month and it 's now XXXX. We are still receiving calls from them stating that our payments are late although they have received payment and the checks have been cleared. How do we stop the harassment and get our credit back to the way it was?
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

EQUIFAX HAS NOT UPDATED MY XXXX XXXX LINE OF CREDIT ACCOUNT WITH A CREDIT LIMIT OF XXXX TO REFLECT A ZERO BALANCE AND ZERO MONTHLY PAYMENT. ****************THEY CAN NOT DISPUTE ACCOUNT AS MORTGAGE COMPANY DOES NOT ALLOW ANY DISPUTES ON ANY TRADE LINES ON ANY CREDIT BUREAUS***************** THEY NEED TO PICK UP THE PHONE AND CALL XXXX XXXX XXXX XXXX DIRECTLY! IF EQUIFAX JUST OPENS UP ANOTHER DISPUTE, THEY WILL CAUSE EVEN FURTHER MASSIVE PROBLEMS AS THERE CAN NOT BE ANY DISPUTES ON MY CREDIT REPORT AND BESIDES THAT, IT WOULD TAKE 30 DAYS. TIME IS OF THE ESSENCE***** THEY NEED TO PICK UP THE PHONE AND MANUALLY REMOVE THIS BALANCE. 

I SENT IN A LETTER FROM XXXX STATING THIS ACCOUNT WAS PAID OFF AND EQUIFAX TOLD ME IT WOULD TAKE 24-48 HOURS TO UPDATE AND IT HAS BEEN OVER 2 WEEKS! EQUIFAX SIMPLY CAN NOT DELAY THE PROCESS ANY LONGER. 

I AM CLOSING ON A MORTAGE ON XXXX/XXXX/2015 AND THIS MUST SHOW UP AND PAID IN FULL AND ZERO CURRENT BALANCE ASAP.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I am in a continual modification with Seterus. On XXXX I had spoke to XXXX at XXXX and he stated that he could n't tell me anything about my modification because I was being represented by legal counsel. I told him that I sent you information on this last XXXX that I was not represented by legal counsel. He told me that he has no documents and told me to send it again. I asked him to tell me exactly how does he wanted spelled out. " No longer being represented by legal authority counsel. Remove counsel on file. '' It was faxed to them on XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX and he told me that the fax was showing in their system. On XXXX I spoke with XXXX XXXX and she confirmed my modification has been set for trial payments of 3-4 starting XXXX XXXX. I paid her XXXX & XXXX in the amount of {$840.00} for each month. I called and paid XXXX with no problem. When I called for the XXXX payment, XXXX XXXX, they took my monthly payment and told me congratulations the modification has gone through for {$840.00} a month. Then she put me on hold, came back and told me that she ca n't proceed anymore because I 'm being represented by an attorney. She also told me that their attorney, XXXX needed to be contacted by me before XXXX XXXX with signed documentation. I also need to send Seterus a letter stating that I am not represented by legal counsel and that she did not have any documentation of my fax from XXXX. 
The last time I paid my 4th payment in the modification process, they told me I was in default and had to start the process all over again. That was in XXXX. I paid close to {$4000.00} then. They are unorganized and each time I talk to someone at Seterus they tell me something different from the last person. Frustrated. I feel like I 'm being taking advantage of their mistakes.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Equifax has a voluntary surrender of a vehicle on my credit report with an account they could not verify with actual documentation. The creditor refuses to validate the account and equifax just take their word for it with no documentation. They refuse to remove it off my closed accounts.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I have not received the written investigation results of any disputes with Equifax. The credit bureau has denied me access to credit monitoring. I am not able to access any of the online results from investigations that have been completed. I have been denied credit within the last 90 days, therefore, I need an updated credit report to determine why this happened. XXXX denied my credit card application based on Equifax report and I need to know why.
Consumer complaint received 2016-09-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Social Finance, Inc. (NY)

I have a refinanced private student loan I took out with SoFi, which I took out under the pretense that I could take advantage of an income-based repayment plan. For the first four years I have had the loan, I was able to make good on this program, and was annually provided with an IBR application issued for US federal education loans ( despite the fact that the loan was a private loan ) by their servicer Trustudent. In all that time, this program was always referred to as an income-based payment program, and I was never informed of any limitations on how long I could take advantage of it. In 2015, SoFi changed their servicer from XXXX to XXXX, and XX/XX/XXXX I was informed that my payments would be effectively doubling within the next billing period. When I asked why I had not been provided with IBR paperwork, the servicer informed me that no such program existed. After several phone calls with SoFi over the course of two weeks, I finally learned that SoFi had not, in fact, had me on an IBR plan but on an interest-only forbearance. This was despite the fact that this was never communicated to me in correspondence or writing. I have spoken with an attorney who says this could be a case of deception in a consumer product, and I would like to see XXXX records examined to understand what happened.
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc (VA)

United Consumers , Inc constantly attempts to collect debt from me when my insurance company ( XXXX ) already made the payment. I spoke to representative from United Consumers explained my situation and e-mailed EOB from XXXX but few months later I continue to receive letters from them. Agent from XXXX contacted United Consumers and faxed over EOB and I have asked United Consumers to setup a conference call between their client, XXXX and them but they refuse to do this. All they 're saying is they will send the EOB back to their client ( XXXX XXXX XXXX ) and go from there. I am very frustrated because this is just going in circles.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

Equifax has changed the reporting of an account I have with XXXX. I have filed complaints previously on this and they last corrected it in XX/XX/XXXX only to be reporting it again as in collections. this account has been discharged in a chapter XXXX bankruptcy and is almost at the 7 year reporting mark do be deleted. this has continued to cause me severe harm in my working to establish credit and appears like it is done on purpose to cause harm and is violating the bankruptcy discharge.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait
Consumer complaint received 2016-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I completed the rehab program their collection agency notified me about, and after I completed it, they started reporting my student loans on my credit report after over 8 years of not being on there and demanded much higher payments, both of which were not completely explained to me could happen since my loans were not on my credit report for being so old. I was in prison, which was cause of the default in the first place, so $ XXXX in student loans is currently over $ 29k and growing, despite me paying back for over 7 years. I am not crippled credit wise, and can not maintain the low payments I had been making for those 7 years. If I falter on the unrealistic payments they now expect, the new ding on my credit report will be even more serious. I feel trapped and tricked into doing this rehab, which was primarily done to get away from their terroristic tactics on the phone, which I previously complained about via the CFPB with no results. What was sold to me as a benefit has hurt me financially and also now on my credit with them reporting a previously unreported for years ( as the 7 year credit reporting guidelines expired on it ) and I was not informed it would affect my credit when they offered the rehab.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO. (WA)

I have been using my Chase credit card as my primary credit card for over 5 years, spending easily over {$1000.00} per month almost every month. During this time, I 've paid back my balance in full every time without any problems. 

Earlier this year, I purchased some foreign currency while traveling, and used this credit card to pay for that purchase. When the month 's statement arrived, I was surprised to see multiple cash advance fees on my card. I called Chase regarding these charges and they were not helpful at all. I reluctantly paid these fees and moved on. 

Every month after that, I 've been hit with cash advance interest fees despite me paying my statement in full weeks before the statement due date. Each time that I called Chase, they could n't do anything about the current month 's fees, and they did not warn me about the fees that will show up next month. As a matter of fact, in my most recent call, their representative told me they could n't do anything to help but they can close my account. Despite being a loyal customer for over 5 years, and using their products heavily, this was the last straw for me. I 've closed my account and will never be doing any business with Chase again.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (PA)

I have been disputing a contention by Chase that a credit card account it has claimed I owned jointly should rightly include me as a party responsible for its debt. Chase researched its records and provided a copy of the original application used to assign account responsibility. Neither the handwriting nor signature on that document is mine. Further, though bearing only a single signature, Chase nevertheless contends that the account was jointly held with another person with no supporting documentation. 

In XXXX 2016, I advised Chase of its understandable error, providing the company with copies of the same documents they sent to to me from its own records and additional documents in my possession with comparator handwriting that would demonstrate the mistake they made. In this regard, it was my belief that even an untrained eye would be capable of differentiation between the two samples. 

In my letter I asked, again, that Chase remove my name from responsibility for the debt, notify credit reporting agencies of this action, and to amend a false report to the IRS resulting in a XXXX form to me. 

Chase has yet to offer a response of any manner. While the sum involved is insignificant to the bank, the loss since " written off '' and perhaps otherwise irrelevant to it, continuing existence of incorrect records of the misplaced debt continue to have real ramifications to me. Not only was my tax burden greatly increased last year, but a marginal creditworthiness continues to follow me. This issue is one which I would like to resolve in as timely a manner as possible.
Consumer complaint received 2015-08-22
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Red Cedar Services, Inc (ME)

Due to a medical crisis, I used poor judgement and took out an online loan with 500FastCash.com on XXXX XXXX, 2012 in the amount of XXXX. This amount was deducted from my checking account and it was my understanding that this matter was resolved as this was XXXX years ago. XXXX weeks ago, I began receiving threatening phone calls from this company saying I owe them XXXX. I have since moved out of state thus closing my account. I requested a statement from this company and XXXX weeks later I received a statement by email showing ridiculous charges for XXXX years. Although my balance was paid in full, I am told that additional interest was incurred. Additionally, as I had closed my account and transferred to an out of state bank, this company has continued to attempt to deduct funds and when denied as account closed by XXXX Bank, I am being charged for each transmission that was rejected for the last XXXX years.
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (WA)

On XXXX/XXXX/2016 I contacted them ( The Bureaus INC ) to pay a debt owing on my credit report. I paid the debt in full and requested an email stating the debt had been paid in full. I explained that I was in the process of getting a mortgage and needed to do a rapid rescore with the credit. I have only worked with XXXX at ext. XXXX. She first stated that I would have to call back at XXXX XXXX the following day to get her to send email but that it would not be an issue. I called her back XXXX at XXXX she stated that she would send it out that it was right in front of her. I did not receive the email. I called her 8 times on XXXX each time she stated that they she spoke to her VP and he had to send the email but she would remind him. I do n't understand why I have been treated this way. I have a hard deadline to make to ensure financing for my new home. Called again at XXXX XXXX spoke to a XXXX XXXX. He stated that they could n't send out the email because of their law department and VP could n't get their system up and running. I paid my debt, it cleared my account but I ca n't get a email or fax showing that I paid my debt in full is criminal, Have been lied too twice about getting it done first yesterday XXXX and again today XXXX/XXXX/2016