davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I am writing in regards to a problem regarding my mother 's estate. She was diagnosed with XXXX and is now deceased. The bank ( JP Chase ) that her loan was with, I applied for modification I was told by them that I needed to have my name on the deed which I had a probate lawyer help me with this and I have a court hearing for XXXX XXXX 2016. I had notified the bank with all my documents faxed to them with my lawyers letter showing proof. I received a letter from the bank date XXXX XXXX that they had received all my paperwork and that they will call me if they need additional information. I called the bank again to check the status of my modification and they told me that my house has a sale date for XXXX XXXX, and that they were unable to reopen my file. I went to the bankruptcy court in XXXX and filed chapter XXXX to stop the sale date. I then faxed a copy of my bankruptcy case to the bank and called them to make sure that they had received it, they then told me yes and that they were going to investigate and call me back. As of today XXXX XXXX they have not contacted me I received yesterday a letter from a third party that the had bought my property. 
JP Chase Bank has been giving me the round around with my loan modification. The letter that I received with the representative who was working on my file never returned my phone calls, and even when I scheduled with her to call me XXXX XXXX @ XXXX SHE never called me, I had to call myself and ask for her then I was told she was UNAVAILABLE!!!!! 
The XXXX should be notified and have someone go to Chase and re-train employees on communication skills. I am beyond disappointed with my experience with Chase, I will never have any family members or friends that I know bank with them. They are dishonest & do not honor their customers & people period. I have all my documentation that I faxed noted with whom I spoke too and dated.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd. (NJ)

Hello, My reason for this compliant is to report a scam by FMA Alliance, LTD who claims to be a debt collector for XXXX. 

Some back history -- In XXXX I had lost my job and fell behind on some payments with XXXX. At the end of XXXX, I was able to repay my late payments in full and my account with XXXX is up to date, and in good standing. 

Today XXXX/XXXX/XXXX I received a letter from FMA Alliance LTD located at XXXX XXXX XXXX, XXXX TX XXXX, XXXX, stating I owed XXXX a balance of {$88.00}. Surprised to see this letter, I called FMA to get more information about the debt. I called and spoke to a customer service rep who had very detailed information about what I had purchased ( but had a hard time reading basic English off a screen -- side note ), and was given very specific information about what I items I had purchased ( all of which was correct ). 

Feeling even more concerned, I decided to, call XXXX directly to confirm if I had any outstanding balance. I spoke to a customer service rep by the name of XXXX, who informed me of the following : 1. My account was in good standing. 
2. They do n't use this company as a debt collector -- they use XXXX. 
3. I should report this as a scam immediately. 
4. Check my credit report. 

Therefore, I did not pay this bill, but in turn am filing a complaint against FMA Alliance LTD so others do n't fall victim to this horrible company.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I am filing a 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 account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Equifax is still listing XXXX derogatory remark that I have XXXX outstanding account in collections. The collection agency removed the collection from XXXX, but it is still listed as being in collections with Equifax. How do i get this collection removed from Equifax?
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I 've placed a fraud alert on my account, yet Experian continues releasing my report to companies that do n't meet the criteria for a report release such as fair use. These inquiries must immediately be deleted because they are damaging and illegal.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I applied for a XXXX XXXX XXXX credit card from XXXX on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before they could look at my credit report. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I needed to make sure my phone number was on file with Equifax for some reason. So I did. 
I 'm not sure how, but XXXX was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. I believe that Equifax provided XXXX with my credit history when they should not have. 

I completed the verification on XXXX/XXXX/2015. XXXX was able to place a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that XXXX of the inquiries be removed. The agent was adamant that XXXX would not remove the second credit inquiry from my credit report because it was " Not done in error '' While I did authorize XXXX bank to run my credit report ONCE, they were somehow able to pull my credit information from Equifax prior to my authorization and then again a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application. Equifax should not be allowed to provide any information to any prospective creditor when a fraud block is placed on my SSN.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I have called in to experian multiple times trying to get in touch with a special handeling agent. multiple times i was told that they were unable and/ or simply refused to transfer me. I found XXXX companies that had done hard inquiries into my account without my permission and wanted to report this. after multiple calls and multiple agents being belligerent, i finally was transfered and was told that there was XXXX accounts ( total of XXXX inquiries that would be removed and a temp credit lock would be placed on my account so i can investigate further. The accounts were not removed, nor was the lock placed on my account ( now putting experian at risk should anything else come up. ) I also sent letters to the XXXX companies that had performed the inquiries illegally and asked for validation as to these being legitimate. none of the XXXX had gotten back to me in the 30 days required by law.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX account number XXXX ... ( XXXX ) indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. " According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX ... indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. This item remains unchanged from our processing of your dispute in XXXX XXXX. " I have disputed this credit item with Experian several times to no avail.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is a collection agency attempting to collect for doctors bills from emergency room visits. I provided my insurance information at the time of the visits and numerous times afterwards. When I try to contact the providers, I 'm told I need to speak to XXXX. When I call XXXX, they tell me that they are unable to bill the insurance. The insurance paid out all bills that were sent and my co-payments were paid. I 've tried disputing the accounts with the credit bureaus but they refuse to update my credit report. 3 accounts from 2 separate dates.
Consumer complaint received 2016-12-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

Seterus did not apply my last month 's payment to my mortgage. It is going into a suspense account, which then generates a penalty, even though the payment is timely. They are also adding other unjustified charges. The Consumer Financial Protection Bureau allows these abuses to continue. They do not protect the consumer and should be disbanded.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

In 2015 I reported that I was having a problem with the XXXX major credit reporting agencies. I have recently found out that a settlement was issued. I like to know if I was a part of this settlement and if not why. Here are the reports I submitted to you agency. 
XXXX XXXX XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

XXXX Accounts showing as navient, XXXX balance closed are showing on my Experian credit report. 
I have disputed these accounts several times and recently submitted a police report requesting a block per FCRA 605. Experian choose not to comply and initiated a normal dispute. The results came back verified yet again. I have recently contacted XXXX to dispute directly with them. XXXX the onbudsman requested a copy of the police report and informed me that all communication with the CRA is done via an internal data system. 
She stated " we did not receive a copy of he police report from Experian to her knowlage '' and they 're system does not " recive documents '' When I called Experian today to inquire how they " verified '' this account the response was XXXX replied as it is mine. Experian also stated they supplied XXXX with a copy of the police report. 

I have supplied XXXX with the police report and they are requesting 60 days to do an internal investigation. Experian needs to honor, 605 request to block, supply furnisher with submited documents to conduct a reasonable investigation, and escalate concerns such as this to more then basic data reporting.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I sent a letter to EQUIFAX 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 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 - 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 2015-06-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WA)

U.S. Bank has been charging me XXXX overdraft fees, the XXXX overdraft fee is charged same day the purchase has been made and the second is charged XXXX hours after the account has been negative. The latter is legal, but not the XXXX charge because it is charged the same day. Not only have I had to pay additional fees the charges have in some instance made my account negative when it would not have been otherwise. I have also received overdraft fees when my account was not negative, the fees were waived, but it has happened on many occasions. In addition to this I have received XXXX overdraft charges for the same purchase, for instance XXXX charged would be stated as an " overdraft fee '' and the XXXX would be stated as a " negative balance fee '', a charge of which I have never received any direct information on. The last issue is that I have received overdraft fees that would increase each day following the initial fee, notices are sent through the mail, but does not show on your statement. I have not kept these statements for record, but others have stated that they have received the same type of fees.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (PA)

Several years ago I paid a fee to place a credit freeze on my account with all XXXX bureaus in order to protect against ID theft. I do n't believe I received a PIN from any - I 'm very good about recording these. I am trying to refinance my house. XXXX and XXXX provide the ability to immediately reset a PIN on-line or by phone. Neither charges a fee. Equifax provides no on-line PIN recovery ability and provides no way to contact them by phone. The only recourse is to mail a request with a check for {$10.00} to get a new PIN, which I did on XXXX/XXXX/16. It took them until XXXX/XXXX/16 to process and cash my check, which I verified through my bank. It is now XXXX/XXXX/16 and I still have not received a new PIN. According to the re-finance company trying to pull my credit, because I am frozen on Equifax, it blocks access to reporting from the other bureaus. Due to this indifference and/or incompetence by Equifax, my wife and I are now blocked from any activity that requires a credit search. I need Equifax to respond immediately and they should be required by CFPB to provide an on-line means for immediate unfreezing and phone support. Thank you for your assistance. 

PS - I sent my request to Equifax Security Freez, XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2015-06-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NJ)

Discover is applying payments in excess to the minimum payment primarily to the balance with the lowest APR instead of the one with the highest APR per the Cardmember Agreement. I would have chosen to apply the payments to other balances had I known that Discover was not going to abide by the agreement.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (PA)

Yesterday I received my credit card bill for last month and saw XXXX charges for completing and submitting my Federal income tax. While I have some problem with the deception XXXX XXXX used to have me pay to complete my taxes this year, after using them free for many years, I have no problem with using my Discover card to pay my taxes. First, XXXX has always used terms like " Easy, Fast, Free '' in promoting their service. This year they added charges, which I was n't aware of until well into the completion process. My real outrage comes in the third charge : paying a XXXX % " Convenience Fee '' to pay my taxes by credit card, through a third party in XXXX I might add. I do n't pay to use a credit card normally, and I was n't aware that such a charge would be forthcoming. 
I would think the Federal government would be happy to accept credit card payments to avoid bounced checks and receive faster payments. They should probably be happy to pay a " Convenience Fee '' for such a benefit. Please look into this. Thank you. P.S. I do n't intend to ever use XXXX again, and I will certainly never pay a " Convenience Fee '' again.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (MN)

Discover Bank holds my deposits and transfer-in for unreasonable periods, making it impossible to access funds and earn proper interest. When I deposited my check via the mobile application, I received an email saying my fund will be available 1 business day after deposit day if the deposit occurs on a business day. I deposited {$300.00} on XXXX XXXX, 2016 and they released {$200.00} on XXXX XXXX, 2016 and hold {$100.00} till XXXX XXXX, 2016 while all the fund has been deducted from the withdrawal account on XXXX XXXX. For transfers from external account, they hold the funds for 2-3 days before making it available for use even though my external account has been deducted. I believe this is a malpractice as they hold my money for extended period and I lose interest on these funds.
Consumer complaint received 2015-06-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (IL)

DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TX)

This is a follow up to Case # XXXX. I was originally told to wait 30 days for the CRAs to remove the inquiry. It has now been almost 8 months since I was told this would be removed and it has been over a month since this case # was supposedly resolved and yet the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? It certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will affect my interest rates. I want this removed immediately or legal action will follow shortly!
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CA)

So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. Below that message, it says Submit '' or Cancel ''. Now, maybe I am naive, but I took the message In these cases, we will proceed with the application only with your consent '' to mean that in cases where they need to pull a credit report, they will specifically ask me if I want to proceed. I think that is a reasonable interpretation of the verbiage. Anyhow, I proceeded with this under the impression that if Discover wants to pull a new CBR -- -- and thus cause a hard inquiry ) they will ask me for my consent. Well, when I hit the submit button, Discover immediately responded with Congrats, you 're approved ''. There was no screen after hitting submit that asked for consent to pull a Credit Bureau. I thought ok, that was easy, no problem. '' Later that day, I received an alert from my credit monitoring service that there was a hard inquiry from Discover on that very day on my -- -- CBR. I did n't put in any other requests or applications. When I approached Discover about it, they either did n't understand me, did n't understand their own system, or simply refused to acknowledge the situation.