davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

I am contesting Public Record Information on my credit report is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. I have contacted the Bankruptcy Court and has confirmed that they did not " verify '' any information to the reporting agencies as stated. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. I am filing this complaint requesting that the CFPB advocate for me in this challenge.
Consumer complaint received 2017-04-30
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: Experian Information Solutions Inc. (FL)

I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   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   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   Miscellaneous Reptg. Agencies  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX . Agencies  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Utilities DISCOVER BANK  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .   EQUIFAX MORTGAGE SER  XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Mail Order Firms   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Complete Dept. Stores  XXXX  MOTORS,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, New   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto Financing  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Unions   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Auto   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Personal Loans Cos.     XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Credit Card  XXXX .
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

During an application for a car loan, I discovered that there were many errors in my Credit Reports with all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). I respectfully sent a request letter to them to investigate, delete, and forward me the names and phone others of all the people they contact, any documentation as well as a new Credit Report within 30 days per Fair Debt Collection Practices Act ( FDCPA ). 

To my dismay and surprise, I have not received any documentation evidence as stated in all my XXXX letters I sent to all three credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ). 
I feel it is an intentional action by these credit bureaus to gain from the errors in other peoples credit reports so that we as consumers can pay for very high interest loans as I am paying now. Per Fair Debt Collection Practices Act ( FDCPA ) reuglations they are supposed to investigate any errors and notify me if these have been done. 
I am about to file a law suit against all the credit bureaus ( Equifax Information Services , LLC ; XXXX ; and XXXX XXXX XXXX ) ; and before I do that I report it to CFPD.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

We originally had a loan in about XXXX with XXXX, due to the economic condition at that time, we were unable to maintain the loan. The loan subsequently fell behind and was in a charge off status in XXXX. The loan subsequently transferred hands to various different lenders, XXXX lender was XXXX which reported the XXXX XXXX on out credit as a charge off. This particular loan was then bought and transferred to XXXX XXXX in XXXX, i may add the loan was bought in a charged off status. Earlier this year XXXX XXXX, XXXX XXXX finally decided to charge off the loan again. I contacted the credit bureau on more than XXXX occasion as well as made contact with XXXX XXXX. I explained to them the debt was charged off XXXX and should have been removed from our credit report about XXXX. The only response from Equifax is that they confirmed the debt was mine, they put a current charge off on my credit report and put the charge off on my wifes credit for about 6 years ago. I believe this is an attempt for XXXX XXXX to re-age this old debt in an attempt to keep it on my credit report longer than the statutory 7 years. When XXXX XXXX charged off the debt in XXXX, that should have been an internal process not one that should still affect me the consumer. 
I am not sure if my complaint should be against the Credit Bureau because they are not holding XXXX XXXX to any standards too report correct information or if my complaint should be against XXXX XXXX. Either way, I have no other options but to contact your Agency to determine if you can help us and what is the path to an amicable solution. 
Thank you for any assistance you may be able to provide.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Ive contacted equifax numerous times in regards to incorrect information on my credit report. I was told I could not re-dispute information that has been previously disputed. I have XXXX items on my report that were the cause of someone opening accounts under my name. I have reported this to the proper authorities and equifax will not accept I contacted law enforcement in regards to this. Equifax keeps updating my report with incorrect information which is affecting my credit score. I have sent letters/phone calls/copies of proof and am getting nowhere. I 've submitted a complaint on equifax already. I am fustrated at the the fact I supply proper proof and they still will not correct and remove this negative information. I also have XXXX credit cards that are held with commenity bank. I was told from equifax I need to contact commenity bank myself to clear the issue. I contacted commenity bank and received XXXX seperate letters for each of my accounts. ( XXXX XXXX ). I supplied the letters to equifax to show proof that they are requesting to update my report as these accounts were never paid late. Equifax still has not updated the information. XXXX account shows to go to a positive in 2022. This is beyond ridicilous. I am being penalized for incorrect information that is reflexing as negative when it should be reflexting positive. My next step is to hire an outside attorney to sue equifax for not correcting my report. This negative incorrect information is affecting my credit score. Especially when I paid all XXXX accounts on time and have proper proof from the bank stating so.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

2 weeks ago I called Equifax to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I have disputed XXXX public records on my Equifax that have been deleted through my XXXX and XXXX. I provided all XXXX the same information and Equifax is refusing to delete stating that it must remain for 7 years. If that 's the case, then why did XXXX and XXXX delete them? I am trying to purchase a home and I need to have these matters resolved and it seems as though they are very unwilling to assist in any way.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I sent a letter Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax has not removed the accounts and have sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus. The information that has been reported has been due to identity theft and has already been investigated however, Equifax is neglecting to delete these items from my credit report.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

On the Equifax.com website they present the end user with security questions in order to access the annual " free '' credit report. For example " Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? '' They then provide XXXX multiple choice answers XXXX of which is None of the Above. The problem is that none of the answers pertain to your credit file and even if you answer none of the above the website reports back that your answers do not match up with their database. The questions and answers are bogus and essentially designed to prevent users from gaining access to their reports on-line. In each attempt the user fails the security " test ''. The next window then asks the user to fax copies of personal documents ( e.g. driver license, XXXX, etc. ) to a particular phone number to verify identity. The intent is obviously to make it difficult for consumers to access their free report in the hope that consumers subscribe to their " member services '' for a monthly fee. This is fraudulent. My wife and I have both tried to log-in on several occasions and the questions change each time but are never relevant to our credit history. We know these fictional accounts do not exist. How many others have experienced the same? If you search " Equifax free credit report verification '' you will see that others have had similar problems. The other XXXX reporting agencies provide access without complaint.
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

I have been paying my mortgage on time, but Seterus has diverted the funds to cover a non existent escrow account. I am now getting late fees and notices of intent to foreclose, as well as threaten legal fees. These guys are crooks
Consumer complaint received 2017-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian, per the attached evidence, has programmed their automated dispute system to violate the FCRA.EXPERIAN is a scofflaw and thumbs their nose at the CFPB and federal law, the FAIR CREDIT REPORT ING ACT.THE CF PB CAN VERIFY BY looking at the attached evidence that every single dispute was not frivolous and legitimate.Experian wants to deny my rights to have accurate credit reports because it costs them  XXXX  dollars and strains their computer system that is not adequate to handle their  XXXX   XXXX  customers.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

JP Chase Bank is just not doing right to their customer knowing that is difficult to control their money, if purchases are made with debit card when you look a the account will show that transaction was deducted then 2days later they transaction appear on a different day and an insufficient funds fee when it was process there was enough money to cover the transaction and balance was provided. 2nd issue if check are process in the same day or night before their deposit from employer they overdraw the account and change all this fee 's when the deposit comes in. 3rd issue if they receive XXXX or more checks they put the bigger one first to over drawn the account and charge more non sufficient funds fees so we never could keep account balance and you ca n't talk to one single representative that will even take the time to understand they will either tell you if you do n't have the protection plan they will cover and charge but they still returns the check when ever they want so its deceptive
Consumer complaint received 2015-10-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (AL)

On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or aboutXX/XX/XXXX14 I got a XXXX alert that a XXXX car loan was put on my credit report.I t was thru chase bank.I notified them that I did not sign for a car loan or ever saw a contract for car loan.Never knew of a car loan, until after contract was signed.Chase bank fraudulently kept me on a car loan for a year and XXXX and made money on a loan I never signed for.They sent me letter stating I would be responsible for the loan if it defaulted.They have broken banking laws that protect consumers from this.The contract was a sham and fraud from the beginning.Chase bank did not verify who signed the loan document or had it notarized at all.This amounts to fraud and keeping someone on a loan who never saw it for profit.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (WA)

I received a letter from XXXX dated XX/XX/2017 stating the following : Dear XXXX, You have already paid XXXX {$3700.00} and we want to help you resolve this account once and for all. Call XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time XXXX. would like to thank you for paying {$3700.00} signed XXXX Division XXXX I called XXXX to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.
Consumer complaint received 2017-04-30
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: Experian Information Solutions Inc. (NJ)

The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  XXXX   XXXX   XXXX   to pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it a s Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In Experian report, it is stated a s FP ( Fail to Pay ) as  of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to Experian.   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced b y credit score b y  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason Experian took such action was because I express dissatisfaction with how Experian was handing my credit investigation with  XXXX   XXXX   XXXX  . The Experian are punishing consumer who exercise there right to ask for fair credit report treatment
Consumer complaint received 2016-11-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (NC)

I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.
Consumer complaint received 2016-12-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2015, My XXXX child and I purchased a used 2013 Mazda S from XXXX, Colorado XXXX. XXXX had us sign a contract with Chase Bank to finance the vehicle. The contract contained alleged fraudulent entries for options the car already had. I disputed the items and XXXX agreed to issue a new contract. However, the new contract had a different purchase price and initial payment due date than the contract XXXX submitted to Chase Bank. I place a stop payment on the down payment check and contacted Chase immediately. Chase Bank refused to accept Colorado and Federal law regarding the consumer right to know the exact purchase price of a vehicle and the initial payment due date. We tried to work with Chase to remedy the situation, to no avail. I reported the issue to the criminal investigator of the Auto Industry Division of the Colorado Department of Revenue.
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I deposit a check to Chase bank to one of their Teller on Monday XXXX. XXXX and it was saying depending. The next day on XXXX XXXX I check my account threw my text and it said chkXXXX avail {$190.00} at XXXX and the I check again it said chkXXXX avail {$10000.00} at XXXX. I paid some bills threw the online banking and then went to the bank to get a new debit card and get money out and they tell me the check is still depending. How can it it is depending when I look online it say available balance still there of {$5200.00} and all the bills i pay online when threw. The banker at chase put a hold on all my money.
Consumer complaint received 2016-10-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

J.P. Morgan Chase Bank have used confidentiality laws 15 united states code 6801-6804 to avoid acknowledging its facilitating the crime of fraud. My children the heirs to my ex-spouse property illegally hold my assets in account at Chase Bank with Chase Bank assistance. While I was incarcerated during the XXXX period my ex-spouse allowed Chase Bank to place my investment assets within her account without having my consent of her being appointed my financial guardian. The account in question is a Michigan account kept under the following names. My ex-spouse in XXXX unknowing to me died plus willed control of the account in question to her the children XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX born XXXX XXXX, XXXX plus XXXX XXXX born XXXX XXXX, XXXX. 
chase possess no legal documentation authorizing my assets being placed within the account but still it with intent on aid fraud hold my assets within that account plus refuse to turn the assets over to me. 
The assets were initially placed in the account at the XXXX XXXX which was purchased by the XXXX ( XXXX ) which was purchased by Chase Bank. Despite fact this crime was committed before Chase Bank became overseer of the account Chase Bank is liable being it will not address the criminal act instead it hides behind account confidentiality.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (GA)

I had a loan with Westlake Financial and was advised that my last loan payment in would be in XX/XX/XXXX. I was informed that I would need to pay only late fee charges and returned check fee charge to receive my title. The rep that I spoke with never gave me a date when this amount would need to be paid as it was not goin against my loan balance. For several months the company did not report this as a charge off, nor send any correspondence or make calls demanding payment I made a payment on XX/XX/XXXX in the amount of XXXX. This paid the remainder balance to get my title in full. On XX/XX/XXXX I received a credit notification stating that Westlake Financial reported my account as a charge off with a balance of XXXX. This was reported after my account was paid in full. Not sure how this is possible when it was never reported prior to making my payment. Therefore I am launching a formal complaint and investigation.