davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX I was solicited the opportunity to request disaster forbearance on my 2 mortgages with Chase, Loan # 's XXXX, XXXX, due to hurricane XXXX in XXXX. At that time I clearly asked what the program consisted of, and how it worked. I was told that due to the disaster, and this program that if I could NOT pay the monthly payment amount would NOT have to be paid for 6 months, and that any payment amount NOT paid would be deferred to the back end of the total loan payment amount to be paid in the form of a balloon payment. It was also stated that NO interest would be charged to that amount at time of payment, nor would ANY late payments be reported to ANY credit reporting agencies.XX/XX/XXXX, I am sent a very confusing misleading letter ( attached ) soliciting me stating : The disaster relief we provided ends on XX/XX/XXXX They are checking in to see if I'm ready to resume making my regular payments, again.They 'll move the past due payments of principal, if any, and interest to the end of the loan term, and change my payment date. the deferred amount will be due in one payment at the end of my loan term via a balloon payment.To take advantage of the offer by XX/XX/XXXX I would need to my regular monthly payment by XX/XX/XXXX, ( which I did NOT do ), and accept this offer by calling them ( which I did NOT do ). Now they are telling me that my payment is due for XX/XX/XXXX, and XX/XX/XXXX which it is NOT, in accordance which what the disaster forbearance program consists of, and what has been misleading, and misrepresented by Chase.
Consumer complaint received 2020-04-18
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. (PA)

The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX   XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (CA)

XXXX XXXX XXXX is a consumer credit reporting agency I had never heard of until I applied for a loan. My credit score is not perfect, but its also not as low as this site is reporting. Theres no way to file a dispute online without giving all my most personal information. It seems as though other people have also run in to this problem. It seems very suspicious. As I trust the three major credit bureaus vs one that I never knew existed until today.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (WI)

I received a call from Chase Freedom. They notified me that someone has attempted to open an credit card account using my social security number, name and date of birth. I had not. They cancelled the account. I received the actual cards in the mail a few days later. XXXX says my name, the other a false name, XXXX XXXX. Today I received yet another card from Chase Sapphire, that I did not apply for. I called to notify the company that it is not me. They told me the account was applied for XXXX XXXX, and the name and address was changed to XXXX XXXX on XXXX XXXX. I also have received a letter from XXXX XXXX thanking me for applying for a card and requesting a social number and mailing address from me. I have contacted my bank account and XXXX XXXX to receive a credit report and set up a fraud alert.
Consumer complaint received 2018-05-30
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. (IL)

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Ive tried to call, email and do stuff to obtain the credit report from Equifax. It has not been updated since XX/XX/2018. 
I was trying to refinance my home due to minimal income and unable to do so because they can't obtain my credit report from Equifax! 
This is hurting me drastically! 
Ive filled out all online consumer websites help here and emailed XXXX XXXX and Equifax. 
No answer from you. 
Please unfreeze my credit report now XXXX XXXX
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

I took out a loan with this company called Loanme and every month, right after 1 day of delinquency, they start calling my cell phone incessantly from spoofed or fake numbers. They are located in XXXX XXXX, but they call from fake numbers from all over the state. Their main number is XXXX XXXX, but they call from various fake numbers including the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NC)

I have repeatedly requested a legislative security freeze at no costs in full accordance with FCRA and all other applicable Federal law for victims of identity theft. I have provided documents verifying that I was the victim of identity theft ( including but not limited to the identity theft police report and notarized affidavit ) and the verification letter from the Commonwealth of Kentucky Social Security Administration verifying that my social security number was changed in 2004 as a form of relief from the identity theft from which I 've suffered ... Every time I speak with XXXX ( if I can reach her ) she has claimed no receipt of my documents. Clearly, I have provided the documents because even XXXX displays an Extended Fraud Alert which is only available to those who 've shown proof of identity theft. I have faxed the documents to XXXX ( the number provided by XXXX XXXX at XXXX ) or ATTEMPTED to several times, but there is always a busy tone. I have tried to upload the documents at experian.com/upload but there is always a pop-up window that states my submission can not be accepted online. Experian, XXXX and XXXX have all evidently restricted my access to their online portals and even general customer service, because when I call the rep who initially answers always advises me that " my account is being handled by an escalation team member. '' That appears unduly punitive, tedious and cumbersome for me especially when the said escalation team member ca n't seem to handle my basal credit report and identity theft protection needs. It 's ridiculous. I have a legislative security freeze with XXXX and XXXX. I need XXXX for Experian as well. This should be simple to obtain.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

I have previously submitted several disputes to Experian regarding my payment history on my XXXX XXXX account. Each time I submit a dispute and provide documentation to support my dispute they state that they can not use the information which in many cases results in my credit report staying the same. Recently XXXX XXXX added a repossession to my credit report on XX/XX/XXXX for the month of XX/XX/XXXX. This lender reported payment status never appeared on my credit report in the past and when I attempted to dispute this with Experian they stated that XXXX said it was valid. This lender reported status was added to my account almost 21 months later without any notification or supporting evidence to show its was valid. In addition to the repossession, XXXX XXXX through the use of the CFPB agreed to change the delinquent status for XX/XX/XXXX on my credit to reflect a positive status. XXXX XXXX never changed the status and a dispute was opened. A copy of the CFPB investigation results presented evidence from the response received from XXXX XXXX that they were to change the status, but Experian failed to utilize this document and again allowed XXXX XXXX to add this information to my report. Also XXXX XXXX has added a XXXX past due for the month of XX/XX/XXXX. This is inaccurate as my XX/XX/XXXX payment is not due until XX/XX/XXXX. Experian seems to allows these inaccuracies to remain on my report without even validating them. After several phone conversations with both XXXX and Experian the issue comes down to date the information was reported. In XX/XX/XXXX Experian stated that XXXX reports the XXXX of each month, but XXXX states that they report the last day of each month. On XX/XX/XXXX I spoke with Experian who stated that XXXX reports to them on the XXXX day of each month which then raises a red flag about some of the statuses on my account. Attached are my past XXXX XXXX XXXX and updates dating back to XX/XX/XXXX. As you see that no repossession was ever reported on my account until XX/XX/2015, also the payment status for XX/XX/XXXX was never changed as stated in the CFPB investigation response. Again all Experian does is call the creditor and ask if the information is valid and pending on what the credit says is how the information is added to the report. Please help because this really making my finances difficult.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I sent multiple letters to EXPERIAN disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : 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 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I checked my personal credit report, which I got from Experian on XXXX XXXX, XXXX and I noticed that there are inquiries that I did not authorize. One of the unauthorized inquiries was made on XXXX XXXX, XXXX by a company called XXXX with an address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never contacted nor asked this company for anything and I dont even know how so many inquiries are being reported when I never even applied for anything from these companies.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

This is a follow-up dispute to my XXXX original submission number : XXXX. I received the attached final results from Experian in the mail yesterday after I had already submitted my complaint. You will see the date of XXXX XXXX, 2016 as the date of the results of Experian 's " investigation. '' They clearly ignored XXXX XXXX 's directive to delete all the information circled on the attached first page of the report. Yesterday I attached XXXX XXXX 's letter that was sent to XXXX credit bureaus XXXX and is very clear now that Experian has no intention, refuses and has failed to update my credit report as instructed by XXXX XXXX in their letter dated XXXX XXXX, 2016. The only thing left now if this is not rectified VERY quickly, is a lawsuit and I have proof of a winning case just with these two attachments. I could use the extra money Experian so go on breaking the law.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX : XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (AR)

I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX  XXXX XXXX XXXX   WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Consumer complaint received 2017-01-18
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

My son gave me a check written on his Chase Bank personal account. We both have the same last names. I took the check to Chase Bank in XXXX, TX. He had sufficient funds to cover check, I presented a valid id and the bank refused to cash/honor the check because I did not have an account with them violating federal banking regulations. They did not even try to contact him by phone to verify check. I spent approximately 20 to 30 minutes in the bank. The vice-president stated that she did not have the authority to cash this check and was unable to reach any of her supervisors for an authorization. Very hard to believe. In short, they refused to honor their own check written on there bank with a good customer who had ample funds to cover the check. I do n't understand these big corporate banks who make it very difficult to do business with. It is no wonder they spend huge amounts of money on advertising to draw in new customers when they should learn to take care of their existing customers. Do business with a independent bank for superior customer service!
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

On my credit report, it is showing under my XXXX XXXX XXXX account, it is showing that there is negative information listed. That was for a car I purchased. As you can see, I always paid on time up until I sold the vehicle. I closed it XX/XX/XXXX. I do not know what the statute of limitations is but I can not understand how anything negative can be shown under an account that was paid on time. This only appears under my experian credit report. 

Can you please check into this for me. Only on my experian report is it showing XXXX negative marks. XXXX is my bankruptcy from XX/XX/XXXX discharged and I understand that it will be there for 10 years, XXXX credit report shows XXXX negative item ( bankruptcy ) andd the experian XXXX is showing XXXX negative, I would appreciate any help you can give. 

XXXX XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (MI)

I never received correspondence from Exeter Finance after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. 

I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from XXXX XXXX sent a letter stating a {$5300.00} was owed on the vehicle, but is Exeter Finance reporting to CB that over $ 8k is still owed on account.
Consumer complaint received 2018-05-30
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: BB&T CORPORATION (AL)

Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, BB & T Bank continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.