davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MA)

When handling checking and savings accounts Chase bank treats United States lawful permanent resents as foreigners and forces them to sign XXXX form. 

I am lawful permanent resident of the US and in XX/XX/2019 I had opened a checking and savings accounts with Chase. At the time of account opening I presented to Chase my passport withe XXXX stamp as a proof of my permanent resident status. 

Since the opening of my accounts I experienced difficulties with Chase as the bank required me to fill and submit to them XXXX form instead of the XXXX form. 

Chase rejected my multiple attempts to submit a properly filled XXXX from to them. First they rejected my XXXX form that I mailed to them early in XX/XX/2019. Then they have not processed my XXXX form filled by Chase 's branch associate and signed by my during my visit to Chase 's local branch in XXXX, MA. 

I accuse Chase of unfairly discriminating against newly arrived immigrants to the United States since Chase treats them as non-immigrant aliens and refuses to correct the clerical errors that cause incorrect classifications of permanent residents accounts as foreign accounts after multiple contacts by the customers informing Chase about the error.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (TX)

I ordered my credit report for {$19.00} from Equifax. They, in turn, with much confusion turned my {$19.00} charge into a " Monthly Billing '' of {$19.00} for some XXXX. When I found out they had charged my credit card {$19.00}, while still pending, they REFUSED to issue a refund to my card. I was actually UNABLE to purchase the actual Equifax Credit Report I was hoping to buy. When I called them they apologized and refused to issue a credit. Also, when I called I got someone in another country and had to insist that I be transferred to someone in America as the person was " not fluent in XXXX '' and extremely hard to understand. I did not " sign-up '' for a monthly monitoring service, I have a Law Firm who does that. I attempted to purchase and Equifax Credit Report and was not able to " obtain '' the actual Equifax Credit Report. This is a scam!
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (HI)

On XXXX XXXX, XXXX I received an alert from my credit monitoring company that XXXX credit services did a hard inquiry on me without authorization. I 've had an inactive account with them since XX/XX/XXXX and have never authorized any credit under my name from them.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I contacted Equifax in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. Equifax must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Since XXXX/XXXX/XXXX, someone has been trying to apply for credit cards in my name. 
XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX assures me that they have sent 2 letters to Equifax to remove these fraudulent inquiries. XXXX has sent XXXX letter. XXXX is in the process of sending a letter. 
I have spoken to Equifax on several occasions requesting they remove these fraudulent inquiries from my report. I have filed a police report on the XXXX XXXX and XXXX inquiries. Equifax claims they have not received any letters from the credit card companies. They also claim they can not request copies of the police report. I put a 90 day hold on my account with Equifax at the same time as a XXXX hold. XXXX showed the hold, but apparently Equifax either did n't do it, or does n't care, because the XXXX inquiry should have never been allowed without my consent. 

Can you HELP?
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

EQUIFAX IS NOT REPORTING PURSUANT TO THE FCBA THE XXXX XXXX XXXX OR XXXX ACCOUNT AS IN DISPUTE WITH NO INFORMATION. IT INSTEAD IS PUBLISHING FALSE INFORMATION THAT PURPORTS I OWE XXXX. IT ALSO HAS NEARLY XXXX FRAUDULENT AUTO LOAN INQUIRIES THAT USED THE FAKE MIXED FILE NAMES OF XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have submitted numerous letters with proof to Equifax. The FED TAX LIEN-XXXX This federal tax lien has been paid and withdrawn with the Internal Revenue Service. Please see the letter attached. Delete the Federal Tax lien immediately off my credit file!!
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX  XXXX Balance : {$470.00} Medical XXXX Balance : {$74.00} XXXX XXXX Balance : {$150.00} Medical XXXX Balance : {$190.00} XXXX XXXX Balance : {$85.00} XXXX XXXX Balance : {$85.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$9.00} XXXX XXXX Balance XXXX {$5900.00}
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I had scholarship with   XXXX   university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (CA)

I was inadvertently signed up for paypal credit. I received no invoices or billing statements until I received a phone call stating there was a balance due. I was told PayPal credit was separate from PayPal that I used on rare occasions. Having no knowledge of signing up for a PayPal Credit account. I asked the call to immediately close the account! I asked for proof of the charges and was told they could not give them to me. I informed the caller that without proof I would not make any payment. I was later able to confirm I made a purchase on eBay and after about a month finally obtained some records from Paypal Credit showing interest and late charges. I paid the original purchase amount, they waved some but not all charges. I still disputed the remaining charges but the telephone representative refused to give me an email or snail mail address. I was able to look up on line the snail mail address and sent a letter. Several weeks later I received a form email stating they received my dispute but provided nothing further than " it will be reflected in your billing ''. The billing never changed and they did nothing. Further calls escalated to supervisors we either " dropped '' or " nothing could be done ''. 
I will not be paying the {$54.00} current balance but wish to keep my good credit rating.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Seterus continues to explain their actions for not providing me with information on my mortgage, by stating that I am in bankruptcy and that I am represented by Attorney XXXX XXXX. This is all false ; I have never been in bankruptcy and never hired Attorney XXXX XXXX. Since Seterus is conducting themselves based on this, I need Seterus to submit proof that I am in bankruptcy and I am represented by Attorney XXXX XXXX. Seterus never bothered to verify this information about me. Since this is all false, I am entitled to information about my mortgage loan. This includes receiving monthly statements so that I can make sure that my payments are properly credited, find out when statements are due and what late fees charges are, and escrow statements need to be mailed to me at my home address. The latter was mailed to Attorney XXXX XXXX of which I have no relationship with. This error by Seterus resulted in my not knowing the new monthly payment amount for my mortgage. XXXX Bank sold our mortgage to Seterus in XXXX 2013. During 2013, I continued to receive monthly statements and the escrow statement prior to the mortgage being taken over by Seterus. If XXXX can provide me with information on my loan, than Seterus certainly can continue to do so. I am not in default of my mortgage loan. All payments have been made and proof of payments have been provided to Seterus.
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

XXXX mixed up my account with another XXXX XXXX living in XXXX who was seeking debt relief. They turned my account over to collections XXXX. My credit card account with XXXX was among the accounts that was entered into the debt settlement agreement with XXXX XXXX XXXX XXXX. The last XXXX digits of his Social Security number is XXXX and my last XXXX digits are XXXX. After numerous attempts to have XXXX take care of this, I finally filed a complaint with the Consumer Protection Bureau. XXXX responded to the complaint last week. I am attaching my letter to the Consumer Protection Bureau along with XXXX letter to me. They have indicated in their letter they have requested the credit reporting agencies to delete any delinquencies related to this issue. I want to be sure this is being taken care of as this has been going on for XXXX months and I need my credit restored ASAP. This has created an undue hardship on me and my family. My daughter is in need of a loan and needs me as a cosigner. I need to do this for her as soon as possible. Also I was not able to take advantage of a sales promotion on a car due to my credit score now being in the XXXX as opposed to the XXXX where it was at before this incident. Please let me know this matter has been taken care of and my credit has been restored. My daughter is in need of this loan. This has been going on for XXXX months now.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I 'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The dispute have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which ca n't be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MT)

I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?
Consumer complaint received 2015-09-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

I financed a vehicle through Ford Motor Credit in XX/XX/XXXX. At the time I was making {$50.00} an hour and paying for my loan was not a problem. I became totally XXXX and got behind on my payments and I am nearing the end of my contract. I receive Social Security and XXXX XXXX payments which is my only income. I contacted Ford Motor Credit in XX/XX/XXXX and made a {$900.00} payment and advised the nice lady that I would pay at least that monthly in order to satisfy the loan. She told me that a person from her retail department would contact me and try to assist me to get back on tract. Instead I get a call from a very rude man from their collections department demanding that I pay the total past due or I would need to surrender the vehicle. I told him several times that I did not have that kind of money and my vehicle is my only means to get back and forth to my numerous doctors appointments. He became very arrogant and told me that if my house payment was behind that they would foreclose on my house, which my mortgage company has been very understanding and I am current on my payment. He told me to call back to speak with him, but I refuse to talk to such an arrogant person that has no business in Customer Service. He got upset with me because I was using my cell phone to which I explained was my only means of communication. My home address is in XXXX but I am in XXXX undergoing medical treatment for my disease. I am XXXX most of the time and have a hard time speaking on the phone. I have sent emails to the executive offices of Ford Motor Credit, the XXXX to no avail. I tried using the secure email system through Ford Motor Credit but the response is always that I need to call and they are unable to help me through email. Maybe they do not understand that I am trying to pay them money and they do not have to be arrogant and demeaning towards their customers that pay their wages. While my account was past due I would get at least XXXX calls a day on my cell phone telling me to call Ford Motor Credit. As I stated above I have difficulty communicating at times due to my illness but no one cares. I just want to pay off the vehicle. I have paid around XXXX thus far for this vehicle with financing and they want to take it when I am so close to paying it off. I am putting half my Social Security into paying the vehicle off. I do not want anything free, just some empathy and understanding in my situation. I have been in XXXX about 45 years and have never treated a person as such, let alone a XXXX XXXX.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

Conserve collection popped up on my credit report early  XXXX . I tried calling the company but could n't discuss the account with anyone as they claimed they could n't discuss the account with me unless I verified my social, I refused to verify my social because I gave them an account number and according to FCRA rules that is the only information necessary when consumer are asking about an alleged debt. The representative go on to repeat my birthday, which was inaccurate and kept trying to get me to give her my social. I kept repeating I needed proof of the debt baring my signature and the representative kept asking for my social. I asked fo r a manager because absolutely NOTHING about this debt for conserve has come to my house. The manager infor ms me the original debt is through  XXXX  University. I explained I had gone through this with  XXXX  before in court and it was proven the debt was n't fine as I 've never attending  XXXX  and they  XXXX  and closed out my account with them. I informed Conserve they purchased a bad debt as I never owed the original creditor for them to sell the account, the manager then told me they needed to recover their money and tried to negotiate a settlement. At that point I asked again for proof with my signature that I owed Conserve ( as they are reporting  it ) & n ot  XXXX  ( whom it has been proven I do n't owe in court ). The manager then hung up in my face. I sent a request in writing for proof that I owed Conserve and received a bill for   XXXX    not anything with my signature confirming I owe Conserve! They just placed this debt on my credit without giving me the opportunity to defend myself nor do they have proof to that their reporting is legal in accordance to FCRA rules. Since they do n't have my signature showing I owe them please delete it from all reporting agencies.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withdrew {$200.00} from my US BANK XXXX card. I took too long to retrieve the money and the money was sucked back into the ATM. I've filed a regulation E with both companies, keep calling both companies but keep getting told they are waiting for the other to call them. This should be a very easy fix. I called both companies on XX/XX/2022 to report this issue but still have not gotten my money back.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( XXXX ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. BAL : {$8500.00} This ACCT. is duplicate with multiple listing as open error please delete.. 
2. ACCT. NAME : XXXX XXXX XXXX - XXXX XXXX XXXX ) ACCT. BAL : {$1200.00} This ACCT. is duplicate with multiple listing as open error please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$500.00} This ACCT. is duplicate with multiple listing as open error please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$420.00}. This ACCT. is duplicate with multiple listing as open error please delete. 
5. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$440.00} This ACCT. is duplicate with multiple listing as open error please delete.