davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Experian Information Solutions Inc. (NY)

Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CO)

I have a federal student loan serviced by Nelnet. After I graduated in XX/XX/2010, I was n't making enough money to make my payments. When I called them up, they pushed me into a forbearance. The same thing happened a year later, when I still was n't making enough money - I called up, explained my situation, and they put me in forbearance a second time. Little did I know, there was such a thing as income based repayment. I could have afforded {$50.00} a month, or maybe just paid the interest. In retrospect, I could have saved several thousand dollars in accrued interest if they had just offered me an income based repayment plan instead of forbearance.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MS)

THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..
Consumer complaint received 2015-09-21
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 about XXXX/XXXX/14 I got a credit karma alert that I had a XXXX loan put on credit report.I told my son I would co-sign for a loan, if he needed me to.My so bought the car and signed my name as a co-signer.I never knew this, until I got the credit karma report.He told chase auto loan he signed my name and sent them a e-mail thru there secure chase site that he signed my name.They kept me on that loan knowing full well I never signed for that loan.Finally my husband who is now 3rd party rep on this and has full power to act on my son and my behalf to handle this matter.I never saw a loan document or signed a loan document, yet chase kept me on that loan.I finally got copy of that loan and on the back of loan it says : Important before signing you should read this agreement carefully.This written agreement is the ONLY enforceable document and no other terms or verbal promises can be enforced.You acknowledge that you have received a completed copy of this agreement and have READ it.I never got a copy to read-never got a copy to see till after the fact. Chase bank caused my credit score to drop and is still not where it was before this all happened.They new I never saw a contract and chase knew my son signed my name to it.Even after all this they still are making my son pay on this loan which is void according to there own contract.My son is a XXXX vet XXXX and has issues which he told chase bank.This is how they treat veterans and there families.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I recently discovered that XXXX issued a credit card to someone who stole my identity. I am upset because the bank and or credit bureau, did not make any effort to verify the details of the person applying for this credit card. If they had paid proper attention they would have noticed that my address, same as the address on my ID card was not the address given to them. The address they were given used my surname. So they took the correct street number and added my surname as the street address. Surely, when people apply for credit cards, one is hopefully paying attention, and will notice that the surname of the person is the same as the address. Should n't this raise a red flag to be checked? Especially when the address included my surname without even saying street or avenue. XXXX is refusing to take any responsibility for this mistake, suggesting that the mistake was made by the credit bureau. If it is the credit bureau, surely they too have ways to verify the information is correct? This use of my identity has lowered my credit score and affected my application for a mortgage. It is in the process of being resolved but what bothers me is that both the bank and/or the credit bureau do not take responsibility for this mistake.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

The Experian web site is not consumer friendly and very misleading. 
When my new credit card arrived from XXXX XXXX it contained a notice with my credit score from Experian dated XXXX/XXXX/2016. The enclosed note also had instructions on how to obtain a free copy of my credit report. It had mentioned it was federal law that I can obtain my credit report with 60 days of that notice from XXXX XXXX. 
So I followed the instructions and went to XXXX. 
The landing page steps me through a set of questions that strongly implies I have to pay for my report if I was not declined credit. So I went back to the main landing page and looked very carefully at all the words on the page. In very small letters at the bottom of the page there was a link to another page that explains the federal law and the free credit report. Complaint # 1 : the hiding of the free report is clearly not consumer friendly. 
Complaint # 2 : When I clicked on the link for the instructions to get my free report, the page was not available - implying the service was down or not available. I had to come back a few times for the page to render properly and display the instructions. The link I used is below. 
XXXX
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (AZ)

I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files. I was not able to access my free credit report online via Experian and had to pay in order to obtain a copy of my credit report.
Consumer complaint received 2016-10-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

i keep sending this information I get no answers once again i need answers on the loan modification it clearly states my payment start on XXXX/XXXX/XXXX, why was the escrow not collected from XXXX/XXXX/XXXX, instead of starting per chase on XXXX/XXXX/XXXX where is all the escrow money from payments fron XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Your payment work clearly states all this information so where is the XXXX for those six months You representatives clearly told me many times my escrow is collected from XXXX to XXXX so where is XXXX to XXXX? Also on another letter dated XXXX/XXXX/XXXX it clearly says effective XXXX payment was XXXX of XXXX, so that will add another month in question refe number on letter is XXXX, so this refe number clearly says my loan stated in XXXX so why does escrow go from XXXX to XXXX? 


OM THE MORTGAGE STATEMENT DATED XXXX/XXXX/XXXX it clearly shows escrow payment should have been XXXX there is not amount as this on escrow history paper they sent me so how much was added in the account for the XXXX/XXXX/XXXX payment on the payment statemented dated XXXX/XXXX/XXXX it states that on payment due it is only XXXX but on the history paper work sent to me it clearly shows XXXX was put in to escrow where is the rest of the money on XXXX says XXXX goes to escrow but on the history sheet it only has XXXX where is the XXXX XXXX why is there a XXXX money added into principal curtailment where did this come from on XXXX/XXXX/XXXX i paid a extra XXXX on escrow but it clearly shoes they added it to principle curtailment why also on XXXX/XXXX/XXXX for the amount of XXXX and XXXX/XXXX/XXXX for XXXX and XXXX/XXXX/XXXX for the amount of XXXX for XXXX for XXXX my copies from the bank clearly show it was escrow deposit is n't that illegal since my receipts show it was escrow in XXXX there are several months that my payment was suspended and never was added into a payment this also will make escrow short the months are on the transaction history clearly shows they were never added in XXXX, XXXX XXXX I have asked this be answered they are not answering it going back to XXXX/XXXX/XXXX I was also cheated out of money stated at XXXX then they took out XXXX saying i had minus XXXX then added back in XXXX coming up with a plus of XXXX you can look at this and see its incorrect why was this not corrected what is a loan maintenance for XXXX dated XXXX/XXXX/XXXX
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have been very active of my credit score and credit report since I became a victim of Identity Theft on XXXX XXXX, XXXX. I have many issues with Experian Credit Bureau since I became a victim. First Experian took a very long time to investigate my Identity Theft case. Second Experian refused to bring my credit score to XXXX points when I disputed all the fraudulent charges against me from other credit card companies and the charges were all dropped in my favor. XXXX Experian continued to remove other false information on my credit report such as the address XXXX XXXX XXXX, XXXX, CA in a swift timely manner as requested. Finally the waiting period to talk to a live human being customer representative on the phone is between 20-45 minutes long when I called to ask questions or other concern. My main concern right now is the address such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX appeared on my credit report. I already informed Experian that I do NOT live in XXXX California or will NEVER move to XXXX California. I ONLY live in XXXX XXXX, California since XX/XX/XXXX. Why is the address XXXX XXXX XXXX XXXX, XXXX, CA appeared on my credit report? How is this possible? I have already placed a Security Freeze and a Fraud Alert with Experian, XXXX and XXXX on my credit report in order to prevent and stop the criminals from opening more fraudulent accounts under my name WITHOUT my consent. The suspect or criminals should have NEVER opened any further or more fraudulent accounts. I checked my credit score on XXXX/XXXX/XXXX and noticed a huge drop from XXXX points dated on XXXX XXXX, XXXX down to XXXX points on XXXX XXXX, XXXX. The reason why it was dropped according to Experian was " Derogatory public record or collection filed. '' The last time I checked, I do NOT have any other credit cards other than my current ones such as XXXX XXXX, XXXX XXXX and XXXX cards. I ONLY owe a few amounts such as {$620.00} on my XXXX XXXX card. My other account is XXXX XXXX XXXX and I owe {$210000.00} on my mortgage or townhouse. Why did Experian dropped my credit score so low? I do NOT owe any more accounts. I am a VERY responsible person and spend my money within my budget. Why does Experian hate me so much and continue to refuse to bring my credit score to XXXX points? XXXX gave me XXXX points on several occasions. Why ca n't I ever receive XXXX points from Experian? Is it retaliation since I have filed numerous complaints against Experian? I will continue to file more complaints until I receive XXXX points credit score from Experian. Experian should know by now that I am very serious about my credit score to XXXX points because I am a responsible person and paid ALL my bills on time. I hope and pray that the people working for Experian take my current situation regarding my Identity Theft seriously and assist me.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (AZ)

I am a senior citizen and I was taken advantage of buying a vehicle at XXXX XXXX. I returned the car, because it was over priced and the XXXX told them to delete it, it was overpriced and I could not afford it. I have the case in the XXXX Court and the credit report under Chase says, " I made a payment and I never made a payment. '' They made it it a charge off. I 've been disputing with all the credit bureaus and they refused to take this car off my credit report. I deleted the car, cancelled the contracts and the loan I had my money on was XXXX. After XXXX seen the situation they deleted the loan and told me XXXX XXXX tried to get them to hono do the second loan. They told them no, because it was not legal. I received letters from the lawyer at XXXX XXXX threating me to do arbitration and said, " I would be the only XXXX receiving this court order. '' I cancelled the car at motor vehicle, cancelled the XXXX contracts and went the XXXX. 
They lied to the XXXX and said, " They knew the car was overpriced and they negotiated with me, which was a lie. This happened at XXXX XXXX at night and they rushed me to sign the contracts and told me they were going to make the the changes on Tuesday. This has been a nightmare how can you lie and say I put a payment on a car and turn it into a charge off. I took the situation to XXXX XXXX lawyers and they told me it was illegal. How can a past due XXXX be on my credit report if I do n't have the car and I never paid XXXX cent and I cancelled the contracts like the lawyers told me too. The credit bureau 's will not delete this car and I do not have it or want it. It is a 2015 for XXXX. I went to other XXXX dealers and I have proof the car is way over price even it writing. Chase Auto Finance # XXXX on my XXXX report and all other reports charge off is a lie. XXXX is where I had my initial loan which was XXXX percent and my money down. 
When they found out they took advantage of me and made the high price you can look at my credit report and see they deleted the loan. Chase wanted to be greedy and raised the interest rate and finance charge and took the chance to say " I I made a XXXX payment received which is a lie. I never gave Chase XXXX cent please help me it 's been a year and I feel like your my only help. XXXX you and me and I work for the government and this is on my credit report and I have a XXXX at work. Please help me I need your assistance. 
You can contact the XXXX if you do n't believe me. 
Ask Chase to give you proof of my payment, because its not true. I only had XXXX contract when I signed my house loan and XXXX offered to help me after this fraud is deleted. Please help XXXX XXXX XXXX XXXX or work at XXXX. I am only a XXXX and I can not afford the car the XXXX told Chase. XXXX XXXX. Senior citizen.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

This is happening with alarming frequency with XXXX of the credit report bureaus : they simply refuse to show my credit report online when it 's time for my free check-in ( I keep them on a rotating schedule in my calendar, so I know when it 's been a year since each report ). THis time is Experian ( XXXX is the other frequent refuser ) Instead, they suggest I fill in a very long form, attach many documents and send in a snail mailed request. I am sure this would not happen if I was willing to pay for my report.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I submitted a dispute letter to Experian dated XXXX/XXXX/15. I then received a reply from them dated XXXX/XXXX/15 stating that they think my letter is " suspicious '' and is coming from a XXXX party. I am disputing this account on my own, and even signed the letter and sent it certified mail.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian credit reporting. I disputed all the items on credit report. I got all the items disputed and investigated. They were deleted off of my credit report. But Experian placed the items back on my credit report. I was not notified of the reinsertion of the items. And the inquiries I did not authorize. I never heard of them.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WA)

Took a trip to XXXX XXXX XXXX in XXXX 2015. Was invited to a timeshare presentation by reps for " XXXX XXXX XXXX '' working in the airport arrival area. Attended their presentation, eventually they convinced us to sell our old underused campground membership to them ( at a profit to us ) in exchange for a timeshare condo product, discounted via various incentives, presently being built in downtown XXXX. They took a down payment of {$10000.00} on our Chase XXXX Visa for purchase of their timeshare. 
Incidentally, because this was a very good deal for us ( sale of our old campground membership covering cost of new timeshare ), we actually called Chase before committing to ensure that if things fell through we could be protected ... and we were assured they would cover us. 
Long story short, " XXXX XXXX XXXX '' never provided funds via correct/save/valid escrow process to purchase our old campground membership, we never got any timeshare product from them at all, and they still have our {$10000.00}. The down payment was never returned *despite* a signed contract addendum saying monies were to be returned to original parties if transaction fell thru. 
We later found out it was all a money-laundering scam ( via XXXX ), many other parties have been defrauded in exactly the same way, by the same guys. ( Documentation is attached ). Disputed transaction with Chase, they disagree that it was fraudulent and/or not valid. However we never got a timeshare, we never sold our campground membership to them, no money was returned to us, we are out {$10000.00} and we have nothing. This was a scam. 
After we made a dispute/fraud claim with Chase Visa, Chase denied the claim. ( XXXX XXXX club simply provided " evidence '' showing a receipt of the transaction ). 
So we attached more documentation and re-submitted. Chase eventually replied with a letter stating they simply " disagreed '' that our claim was valid. Despite the transaction being a definite scam, we were " jacked out '' of {$10000.00} for NOTHING. 
Not sure how Chase can rationalize that we received a " valid product or service '' for our money. 
Chase should honor their card fraud protection guarantee with us.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

First off this is a CARES ACT violation -- I will be filing complaints with US GOVT who administers that -- ( treasury department ). I started with XXXX in XXXX. XXXX years of payments later- they CLAIM I still owed XXXX. XXXX what I started with. 

THEN -- -when they told me the loan payments were paid -- -all payments made- in XXXX XXXX XX/XX/XXXX they reported me late. First off- they gave me a concession -- forbearance-. it was current- therefore its illegal for them to report it late. 

They are in violation of the CARES act and I want these late payments removed immediately.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (VA)

I had a Chase Sapphire rewards credit card that I closed last XXXX, and this month I received a refund on a travel purchase from a tour provider. I assumed Chase would automatically send me a check for the refund since I had already closed my account, and when I called Chase, they said that they would only send me a check if I called. If I had n't called, they simply would 've kept the money. That is downright dishonest. Credit card companies should be required to automatically send you a physical check for any credit at the time of account closure or for any credits received after the account has been closed.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (VA)

I signed up with Experian Credit reporting, paid the fee and I received a credit XXXX score of XXXX when I applied for a loan the same company gave me XXXX score of XXXX, which caused me not to get the loan. The XXXX would have allowed me to get the loan. I am going to have to pay again to get the mortgage score again when I close the loan. I am being defrauded by Experian Credit Reporting company by paying for the scores which are different If i did work for some one and charged two times for same job, the I could be charge with fraud. Am I right or wrong.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 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