davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Service Center, Inc. (WV)

I recently applied for a credit card so I could earn points for flying. I was denied the card so I immediately started looking at my credit report. 

On XX/XX/2017 I had a hospital bill sent to collections that I wasn't aware of by " XXXX XXXX XXXX ''. I don't have any other history of this sort of thing on my credit report and don't think I was notified properly and made aware of what exactly I was being charged for. I think there was really just a lack of communication here.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX, XXXX has XXXX my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-14
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. (IN)

On XX/XX/2019 I contacted the following credit bureaus : Equifax, XXXX  and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX   loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I went on a leisure trip to XXXX XXXX, XXXX in late XXXX / early XXXX. On XXXX XXXX, I was in need of cash and proceeded to a nearby atm. The bank happened to be XXXX. I tried XXXX different machines at the atm unsuccessfully and just had a friend spot me cash for the night. Upon my return to the United States, I noticed that the XXXX attempted atm transactions had cleared and registered as shopping transactions at a clothing retail store in XXXX XXXX. I had not done any kind of shopping let alone stepped foot in a retail store. I called JP Morgan Chase and filed a fraud complaint on XXXX XXXX. I was given a temporary credit of {$430.00} pending the outcome of the transaction. 
On XXXX XXXX, I received a letter in the mail from Chase that the credit had been reversed because they could not verify any incidence of fraud on the account because my debit card had chip and PIN protection and could not ever be breached. I called the fraud claims department and was basically told the same thing. To add insult to injury, the claims specialist said I had to have known about the debit card transactions for them to have taken place and that the case would be permanently closed. 
Upon my own personal investigation and just typing " chip card fraud XXXX XXXX '' in XXXX search, the very first link was to XXXX in which other travelers like myself had the same experience, under a term called " Skimming ''. Basically, something might have been attached to the machine that took all my information, despite claims by Chase that the card could never be cloned. 
This shows gross incompetence and negligence on the part of Chase, as there have been articles in major national publications and consumer finance websites that Skimming has been on the rise despite the introduction of chip and PIN cards.
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (VA)

Got two calls from XXXX XXXX  XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for cascade Capitol LLC. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (WI)

I completed an extension with Ally Auto Finance on or around the XX/XX/XXXX I  was told to pay a total amount of {$230.00} on or before the XX/XX/XXXX. I also was advised that i would receive a document confirming this in the mail. To simply sign the document and send it back and no payment will be due until XX/XX/XXXX. which then only a partial payment would be due. I received the document on XX/XX/XXXX us mail and i signed and returned this back via us mail. I then began getting collection calls shortly after. I then spoke to them 3 times via telephone and advised i sent the document back and have made the payment and i do not understand why they keep calling and reporting i owe them a payment. They said the extension has not been processed and that i would need to pay more money and do another extension. I advised i am not going to do that it is not my fault that they have not processed it. I paid what i was advised to pay and yet they keep calling. I then reached out twice via chat and confirmed the department has been notified to update this information. however they still do not show that i have the extension done. I then was told that they will continue to collect and call until it is processed. They keep telling me to call back in 2 days and now i feel that they are doing something unethical and wrong. They were paid as agreed to and now they are not holding up their end of the deal.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (GA)

XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.
Consumer complaint received 2022-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-08-04
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-22
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. (TX)

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from Great Lakes re acc # XXXX & XXXX
Consumer complaint received 2022-10-02
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. (TX)

XXXX  company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.
Consumer complaint received 2015-07-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

The last XXXX to XXXX times I have used the Chase QuickPay service it has taken well over XXXX hours to receive payment. In fact several occurrences took almost XXXX days. This has made me late on rent previously. When I call they tell me to wait an hour, and it should clear. When the funds do n't clear and I call back, they say wait until XXXX and they will definitely clear by then, however, the funds do n't clear. It really seems like there is a scam happening that is designed to overdraw customers so that Chase may charge overdraft fees. Now, I have n't always had this problem with the QuickPay service. It seems that these issues occure like this if my account is low on funds and can be overdrawn if pending transactions clear. So, if they hold off on depositing my QuickPay funds for XXXX days, then there is a good chance I will be in the red. The misconception is that all the Chase customers, and including the Chase employees think the funds should clear within hours and within XXXX at the max. However, funds do not always clear quickly, and no one can explain why. This is currently the situation I am in. On XXXX/XXXX/15 I had XXXX in my account. I had also excepted a QuickPay-payment for XXXX from another Chase account holder. The Chase QuickPay activity screen says I had excepted an XXXX QuickPay payment and it was complete. When I look at my account balance, the {$85.00} deposit is not reflected. I am currently over drawn {$3.00} even though QuckPay activity says the funds have cleared. The Chase customer that QuickPay'ed me the funds, said they were removed from their account immediately. If this is the case, then there is no need for a waiting period ( Hold ) to insure the funds clear. It is not the same process as a check or Debit card transaction. In addition, when you do become overdrawn as a result and charged a fee, they do not automatically refund you the fee based on their mistake, you have to call them and show them that there is a glitch in there system. If people do n't realize this is happening, they do n't call and Chase collects unwarranted overdraft fees. I would have thought this was just an exception, just a glitch, but I am noticing now a pattern that is of concern and should be investigated. It is a strange operation and does n't look good ....
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (MI)

I have disputed it a few times through the credit bureaus. I have sent letters to the collection agency reporting a collection on my credit report that they have to show the accuracy of their documents but no such thing was given. It is the law under FCRA to do so and yet they will not. I have not a single blemish on my credit report besides this collection company. When I called and spoke to a supervisor he told me to call an attorney. The " collection '' is a college class that i paid off. The college told me that it wasnt in collections but when I paid them it turns out they reported it that way.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

Our home loan belonged to XXXX and was sold XXXX bank, who then sold us to Deutsche bank out of La. We have been trying to do a loan modification for the last 5 years. They have lost our paperwork and or did n't send in the right stuff when it was all listed what they need. So I want to file a complaint on them to see they are wrongfully foreclosing on us. The foreclosure sale date is supposed to XXXX XXXX 2016. So I need to get this expedited if possible.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I have been a Chase customer since they bought WAMU, so 8 years now. They just closed my account with no notice and no notification. I have money in it. I do n't understand what is happening. I want my account back.
Consumer complaint received 2020-01-14
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: ALLY FINANCIAL INC. (CA)

I finally logged into my XXXX yesterday XX/XX/2020 and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. Please let me know what are the proper steps in taking these off.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS (TX)

To whom this may concern, Ive reached out to Lexis Nexis and got a letter saying they do not have anything on record. As of XX/XX/XXXX. 
XXXX gave the same response as of XX/XX/XXXX.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to XXXX to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}
Consumer complaint received 2016-06-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: U.S. BANCORP (MN)

I have been receiving harassing, threatening and XXXX threats telephone calls from U S Bank representatives in regards to an account and debt of {$7300.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

My lender, Chase sent a check for a perceived overage in my escrow account of about {$1400.00}. The escrow account went negative due to the shortage and they want nearly {$2000.00} or my payments will increase from XXXX to over XXXX dollars a month.
Consumer complaint received 2022-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

In XX/XX/XXXX Money Source bought my loan. I mailed my first payment and did so consecutively for the next 10 months. In XX/XX/XXXX, Money Source wrongfully reported me to the credit bureaus. In XX/XX/XXXX, I received a letter from Money Source indicating I was one month past due. I reached out to Money Source immediately by phone, calling up to four times a day without getting through and extensive wait period. I have proof of my payments to Money Source. I reached out to the XXXXXXXX XXXX  XXXX Program Manager. As of date its been no real dialog and still no monthly payment history sent from XXXX. In good faith I sent my monthly payment in XX/XX/XXXX of {$3000.00} to only have the check returned with a letter stating due to the foreclosure status they can not accept it. No other options of repayment was offered. XX/XX/XXXX I wrote a letter to XXXX XXXX, at XXXX XXXX XXXX Attorney at XXXX. I requested a copy of payment history and informed them that my mortgage payments were misapplied. The reporting of fraudulent/incorrect information to the credit bureau XXXX XXXX has hurt my credit worthiness. It seems like the accounting and numbers are not in line. From day one Money Source Inc. just did not feel right. ( Note this all happened within 6 months into XXXX buying loan ) ( see documents attached )
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC (WA)

I have never applied for a loan with this company and I do not need a loan. This company has emailed me numerous times that my loan is waiting for me to sign and all I need to do is click on the link in the email. I did not ever apply for a loan! I have responded to every email that they have sent and asked them to take my information out of there system because I did not apply for a loan and I believe someone is trying to get a loan in my name. I counted 6 emails in the past 4 days that they have sent me. When I reply to them and ask them to take me out of their system, their response is that " I need to reply again with my Full Name and Last 4 of my Social Security Number ''. I, of course, am not going to give that information out to a company that I have never heard of and never applied with. I have worked in marketing and I have worked with automated email systems and I know how all of it works. They can most definitely at least take me out of their email list if nothing else. But, when I get replies the come from a person and the replies are from a XXXX email, so someone must be reading them. All I want is for them to take me out of their system and acknowledge that someone is trying to get this loan in my name and stolen my information. The company is National Small Loan and the website is www.nationalsmallloan.com phone and fax are P : XXXX F : XXXX
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Halsted Financial Services, LLC. (IA)

halsted financial services, keeps calling XXXX to XXXX times a day attempting to collect a debt, but i have not receive any mail about it, i refuse to give my ssn or any other information over the phone with the till i receive something by us postal service. i would like the calls to stop and my name and information removed from there system, and if they have affected my credit i would like that removed as well.