davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AR)

MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

this company has accounts that has been close on my account and some these accounts dont even have the merchant name or contact information. I want these accounts remove from my credit. I ca n't get a good job with these stuff on my credit. In addition some of these accounts have been solve by the merchants to this XXXX collection agency.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (PA)

I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 
I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be 37,244 days or 10.20384 years. Please correct my years of credit to 10-years, 2-months This is the third time I have submitted this request ... So please read this and absorb in its entirety ... Then respond accurately.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

I put in a dispute with Equifax and XXXX XXXX back in XXXX 2016. I notice that XXXX did an inquiry on my credit file but I did n't request or authorized them to pull my credit. XXXX sent me a letter stating the inquiry will be removed because it was an unauthorized inquiry. I called Equifax consumer XXXX on XXXX XXXX because I did n't receive and notice from them stating the investigated the unauthorized inquiry. The person I talked to that they stated the do n't investigate inquiry 's. I told him that XXXX XXXX has already investigated the matter and requested that the inquiry be remove. The person on the phone stated the inquiry will not be remove. Equifax is always refusing to investigate or remove items that has been proven is inaccurate information. I always have to put in a complaint to get items taken care of. I have attached the XXXX letter saying they requested the item to be removed.
Consumer complaint received 2015-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX. 
I want to report this company as a total fraud.
Consumer complaint received 2017-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

X/XX/2017 My purse stolen. ( unbeknownst to me contained a blank check ) X/XX/2017 Fraudulent check cashed against my checking account U.S, Bank XX/XX/XXXX-X/2017 I contacted U.S.Bank, who instructed me to fill out fraud report XXXX I received a denial of claim from the Fraud dept., they claim that I 'm at fault for not securing my checks. X/XX/2017 I went to my local bank branch and was told that when the fraud dept makes a denial, it is finial. I talked to XXXX XXXX, branch manager at the XXXX branch. XXXX XXXX said that he would do what he could. After many phone calls and several weeks later, nothing has been X/XX/2017 XXXX XXXX said the Back Office would try and pursue the matter through the bank that cashed the check. Fidelity. X/XX/2017 XXXX XXXX called to say there was n't anything else he could do. He suggested that I pursue the matter through the other bank, Fidelity. I do n't think that is fair since US Bank was not successful in taking that route. XXXX XXXX said he would contact his Regional manager XXXX XXXX. X/XX/2017 XXXX XXXX offered me 1/2 of the amount of the fraudulent check stating that I was at least 50 % to blame. X/XX/2017 I contacted the CFPB to ask for their help in full restitution. Thank you.
Consumer complaint received 2015-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I have a bankruptcy listed on my files. There was no bankruptcy ever filed it was dismissed. Both my lawyer and I have notified in writing submitting proof of the dismissal to all the creditReport bureaus ... yet they continue to report I have a bankruptcy. This is simply not trueMy case number for the dismissal is XXXX filed XXXX/XXXX/2015. It is signed by judge XXXX XXXX XXXX in XXXX, Va. Please help removing this as my credit is destroyed because of this erroneous report.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CT)

I have filed complaints with Equifax three times and provided them with several documents that I received DIRECTLY from XXXX XXXX stating that I was not delinquent on my XXXX/XXXX/13 mortgage payment. .Equifax is ignoring the request to remove this frivolous and inaccurate information.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OH)

currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down, when they should not be there after researching ohio law!! fair credit act.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

XXXX is reporting a XXXX mortgage on my credit. That is not mine. They are trying to validate an outdated loan that is NOT mine as a charge off. Equifax continues to report this account on my credit yet they refuse to show any proof or validation. The have Not corresponded with me at all
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Portfolio Group (DC)

I  have been receiving calls from Premiere Portfolio  for the past month. This company has contacted me from various numbers. Today I received a message from a  XXXX   XXXX  stating that he was a case supervisor and to call him at my convenience. I do n't even remember receiving any correspondence in the mail from this company. I have even checked my credit report to see if the company was listed on my credit report, but it is not. The number that was left on the voice message was  XXXX
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I have disputed XXXX collection accounts with the City of XXXX XXXX, account number XXXX in the amount of {$150.00} and XXXX in the amount of {$140.00}. This information has not been legally verified per the Fair Credit REporting Act and it 's affecting my credit. They City of XXXX XXXX ca n't even provide validation that these accounts belong to me.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (GA)

My wife received a phone call from the dealership where we purchased our truck XX/XX/XXXX. They said they noticed we had been making our payments on time and would like to see us and possibly see about new options. We drove to dealership the following weekend and only had plans to discuss these new options. The salesman kept trying to talk us into purchasing a new vehicle on top of the one we already have and also told us we could just purchase a new vehicle and let the one we have go back. My wife and I specifically told them we were not interested in buying a new truck and stated that several times while we were there. While we were there the manager sent my credit report to XXXX different bank and financing companies without my permission trying to get us approved for another loan, which I had stated I did not give permission too. This is affecting my credit report because I have to many inquiries, and we were going to refinance in the upcoming month or so. I contacted Equifax and they said I would have to contact each individual company. I contacted XXXX of the XXXX and they said they could not do anything because it was n't directly through them, that I would have to contact the dealership. I called the dealership and spoke with the man who pulled my report and he said there is no way he could contact credit bureau and let them know it was a mistake ( Equifax said the could send in a statement explaining it was a mistake and to remove the inquiry ). He continued to say in his XXXX years experience he has never heard of such a thing being done.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NV)

I have been trying to get Equifax to report correctly. They sent me a letter stating it 's been taken care of, but it 's still reporting the same -- that the amount is owed. XXXX has not corrected it as well, I 've been trying to deal with this issue for over a year and it is still not resolved.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CT)

I am filing this complaint because XXXX has ignored my request to provide proof with the documents that their company has on file that was used to verify the accounts I disputed. They have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this issue as soon as possible. Thank you,
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I am disturbed that Equifax continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

Credit card was paid in full through Chase banks automatied system. Chase sent the following statement saying interest was due. Who is this possible if you are using there automatied system and paying off a credit card with all current transactions. There was a XXXX balance on XX/XX/2017 and then interest charged on XX/XX/2017.
Consumer complaint received 2016-08-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JPMORGAN CHASE & CO. (CA)

We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (CA)

I went to school XXXX years ago at XXXX graduated never had a job in my field I went to school for XXXX the loan people is telling me I owe them XXXX now and I never even had a chance to work in that field this is really making my credit report really bad ca n't pay my loan off or even make payments because I 'm still work at XXXX I 'm wage job with XXXX children I do n't think it 's fair when people trying to do something right with there life and it still does not work at as you planned
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I made a loan on a chase mileage plus credit card ( I actually had thought I was doing it on a Freedom credit card, but apparently it was n't ), In any case I paid the loan off on time, but after my last payment was charged the yearly fee of {$95.00}. I wrote and told them I was cancelling the card and therefore not paying the yearly fee ( which was due after my letter cancelling the account ). I got a bill the next month ( recently ) repeating the charge and adding an interest fee. I phoned the company and was told I was XXXX days late - somehow there was a 1 month deadline after paying off the credit card and i was XXXX days short of that when I cancelled. I refused to pay and am hoping you can resolve this.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

I was scammed by XXXX ; they claimed to have a trial of their eye serum ( to eliminate under-eye bags ) ; the trial was for {$4.00}. I agreed to that charge, and that charge only, and received the product, XXXX. The product did not work at all ; I never ordered it again and I never " subscribed '' for it. Weeks later I see {$270.00} on my credit card statement. I never, ever agreed to these charges ; the product is worthless. I told my credit card company ( Chase Card Services ) to take those charges off, which they did -- initially. I responded to them for each information request. I researched XXXX and found that they have a grade of F from the XXXX. There are also numerous complaints on the Web about this company. There is no way I 'm ever going to pay for these bogus charges.
Consumer complaint received 2016-07-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (LA)

I have had a loan through Westlake financial for a little over 2 years. Never had a problem till recently. I hit a little bit of financial trouble, due to my ex-husband not paying child support. I called them 2 weeks to explain why I was 3 months behind, at first they were understanding and told me to get a payment in asap, I informed the lady I would be doing it the first, she said that would be okay. Today I called to pay on my account and I was informed that had closed my account and charged it off and even though I offered them a payment, they refused said that I had to pay {$1000.00} towards the {$4000.00} that was still owed before the account was closed and they would work a payment plan for the rest. The last bill I recieved showed that I owed {$3800.00} left on my car. They would not explain anything and had not told me that they were going to this. They said they had called the past 2 weeks and left messages, I have no messages or calls from, they also said they sent mail, I did not recieve this either. I then asked them when will you be repossessing my car. I was informed even thought my account had been closed, my car was not up for repossession, I repeat they have closed my account, yet have not set me up repossession, it sounds very suspicious to me. I was very angry and upset, because they were very rude and ugly to me, and I did curse at them at the end of the call. I also discovered that last XXXX they had a lawsuit filed against them for their business practices, they are still doing unlawful and less savory business practices.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (MA)

Upon reviewing my credit report after being denied a loan, I was told that I still owed money to Chase for an account that they wrote off. The debt was written off and a XXXX was issued and I filed taxes on this debt but they report this debt as still being owed on my credit reports. I wrote to all XXXX major credit reporting agencies and all three responded with no change to the status of this account. I 've called Chase 's recoveries dept. and they refuse to report this account correctly. This account should read as a XXXX balance on all credit reports due to the write off but they refuse to state it as such.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (TN)

I had a Chase credit card years ago and went to court because Chase was trying to sue me for a {$1700.00} balance they said I owed and I did n't. The judge through the case out and said for us to settle it outside of court because Chase could n't prove I owed it. Now I have a judgment for this amount plus interest from them. I saw an article where Chase Bank was ordered to stop collecting on accounts between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I fall into this category. How can I get this garnishment stopped? Please help me
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Around the XXXX, I was sued by XXXX a subsidiary of XXXX, for the unpaid Chase Bank USA , NA, debt which was jointly incurred by my former husband and I but was in my name. Before XXXX filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. XXXX did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt XXXX took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. XXXX literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that XXXX took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, XXXX failed to comply with California Rule of Court XXXX by failing to immediately alert the Court regarding the settlement. 
Around the second part of XXXX XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with XXXX to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. XXXX attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of XXXX and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of XXXX and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once XXXX received my final payment, it reneged on the terms of its own settlement letter. Furthermore, XXXX failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent XXXX from harming consumers who, in good faith, comply with their settlements with XXXX while XXXX feels entitled to renege causing consumers to incur additional expenses.
Consumer complaint received 2015-05-21
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX XXXX 2015 I paid {$1000.00} for trading company XXXX On XXXX XXXX 2015 I ordered withdrawal all my deposit, but they cancelled my request. On XXXX XXXX I ordered second withdrawal and this request was approved. They promise people money transfer XXXX7 days, but I did not received my money back. I contacted them on XXXX XXXX and they said that this transaction was approved on XXXX XXXX and was paid. I should received the money any day. Unfortunately, I did not received my money back. 
Today is XXXX month as they promised my money back and I think that they cheating me. In this case I was in Chase bank and asked for help. The banker called to an specialist but the person said that they rejected my claim because I do n't have any demanded proof. Such proof must be letter only, copy of email, no screen shot copy. 
So, from this next case I did not received any confirmation, any explanation from Chase bank. 

This is next proof that they discriminate me. Online transactions always where are and I believe will be mostly based on online documentation and such documents must be respect as proof. 

The XXXX is part of XXXX XXXX, which confused me in bank statement, because payment for XXXX is listed as XXXX XXXX, but I have conflict also with XXXX which also stole my money, however, this case will be in my next complaint.