davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Chase Card on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

I get calls daily from XXXX about my student loans. I tell them over and over. Im not working. I ask for holds until i get on my feet amd they wont help. Instead they keep reporting negative to my credit and its hurting me badly. How can I get a good job in my degree field if they wont allow a forbearance ( unlesd I pay money I dont have ) but keep hurting my credit
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (FL)

I have checked my credit report and XXXX states that I have XXXX collection accounts under XXXX XXXX XXXX XXXX. When I review the accounts, the account information has been repeated therefore the same account shows twice on the credit report. I informed XXXX  of the issue but they do not address the issue that the same accounts were posted twice on the credit report.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (IL)

In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

I saw a promotion on citi.com when I logged in to see my credit card information ( I have two citi cards ). I was presented a promotion that if open a XXXX  XXXX XXXX XXXX savings account, after 60 days I will get XXXX XXXX miles. Since I have a Citi AAdvantage credit card, this is a very attractive offer. It was a tiered offer. I selected the offer to earn XXXX AAdvantage miles after depositing $ XXXX in a Citi 's savings account. I opened the account and moved $ XXXX into that account on XX/XX/XXXX. I think it was in XXXX that I noticed that I still haven't received the miles. I called Citi and I was told that I need to allow 90 days after the 60 days to get the miles. So the agent told me to wait till after XXXX. I checked on XX/XX/XXXX and the miles still didn't get credited. So I called Citi again. The agent checked my account and said she will open a case because everything looks right and she doesn't know why the miles weren't credited. She said there may be something wrong with the system. So she ordered an investigation and said it will take 5 days. I checked my Citi account on XX/XX/XXXX. An electronic letter was sent to me. It says that my account was not associated with this offer. So I must present some proof that I received this offer. But Citi should know that I got the offer because they presented this offer to me, and I have no paper trail to present since it was online upon login. Also, it was not clearly disclosed that I had to wait another 90 days after the initial 60 days. This savings account has a low APY of XXXX. My other savings account with another bank is at XXXX at the time, and now at XXXX. I lost the higher interest and didn't get what was promised to me. That is completely cheating behavior. They are ripping off customers. Also the agent said that I could have moved my money away after 60 days but that was not disclosed either. This is typical big bank behavior to rip off their customers.
Consumer complaint received 2022-07-05
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. (NV)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-09
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: CITIBANK, N.A. (NY)

In accordance with the fair credit Reporting-acXXXX XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-07
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: EQUIFAX, INC. (MA)

Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc.

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all
Consumer complaint received 2017-10-19
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. (GA)

I was checking my credit report thru XXXX and noticed I had a collection account for {$26.00}. I called the collection company listed on my report XXXX XXXX XXXX to find out about this {$26.00} that was in collection and was told that XXXX XXXX XXXX XXXX was filing the complaint for XXXX XXXX XXXX XXXX said I owed {$26.00} dollars from a emergency room visit in XXXX. I filed a dispute and called the collection agency XXXX and told them I never received a bill for {$26.00}. from XXXX XXXX. I told them I had XXXX insurances and I never have a balance for medical care. It turned out that they only filed my XXXX and XXXX and didn file XXXX for XXXX which pays whatever is left over from XXXX and XXXX which was the {$26.00}. They took the XXXX billing information and said they would file it. 
I thought everything was taken care of until today when I checked my credit report to see my score had dropped from XXXX to XXXX because of this collection of {$26.00} and another acct. for {$79.00}. XXXX never took this off in spite of my constant calling them. 
I need help in Equifax removing this as it never should have been on my report.
Consumer complaint received 2017-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I came out of my Chapter XXXX being dismissed in XXXX. I asked Wells Fargo for a loan modification, after three request they sent one. I told the advisor XXXX XXXX that my husband XXXX just graduated from college and had 2 job offers. She told me to send her the offer letter he was accepting with the loan mod package. I asked her for a VOE so  they could get his employment questions answered that I knew would come up with a new job. The mod was denied, they did not count XXXX income because it was a start date ahead from the time I submitted the application. By the time the decision was made XXXX had already started working. I was told I could dispute it by submitting his paystubs. I sent in the dispute with XXXX first paystub. He started in the middle of the pay period. The underwriter failed to contact his company with the XXXX authorization for questions she had, instead denied the file. I called and spoke with a manager who told me I would have to the " restart department '', and file another loan modification because I had a " change in circumstances '' with my XXXX new job.I contacted the restart department who refused to do  anything because I am past 3 years of being delinquent. Although a mod package was sent to me in XXXX this year, the restart department refused to allow me to do the loan mod based on change of circumstances. I contacted the office of the president. I went through two representatives before having to ask for a superior, supervisor. I presented through my lawyer to Wells Fargo an offer to do a " short payoff ''. The request states that Wells Fargo would agree to halt the foreclosure sale and allow time to close on the short payoff with an investor that is willing to refinance my house. I have offered to do the remaining balance over a term of 30 yrs at the same interest rate. I 'm offering Wells Fargo every dime they want although they have put me through XXXX for 4 yrs not working with me when I was XXXX from my car accident that caused this mess. I was called tonight at XXXX before Wells Fargo closed, by the restart department again, acknowledging they got the letter, and they refuse to send it to the liquidation department because my sale date is within 34 days. I asked the woman if she read the letter where they would agree to halt the foreclosure. She said their department is not at liberty to make that decision but she refused to even send the letter to the department that can make the decision. Wells Fargo has messed up on my Save the Dream Grant, my Court Mediation request, several modification packages and now they are messing up my chance to save my home through another investor by doing a short payoff. The restart department within Wells Fargo has absolutely no honest, ethical feelings to do anything for borrowers. I feel i have became a victim of modification loan fraud and foreclosure fraud.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (MD)

Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}
Consumer complaint received 2017-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (OR)

Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (AZ)

To the best of my knowledge I did not authorize the following hard inquiries : - XXXX  XXXX Inquiry from XX/XX/2018 No institution information - XXXX XXXX Inquiry from XX/XX/2018 Institution Information XXXX   XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-19
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 — Was not notified of investigation status or results
Company: I.C. System, Inc. (NJ)

In XXXX of XXXX, I had a billing dispute with XXXX XXXX. As a result, XXXX XXXX stated I owed XXXX dollars. I disagreed and grieved the bill through XXXX XXXX. I never heard back from XXXX XXXX. Yesterday, XXXX/XXXX/XXXX I applied for a 30 year fixed mortgage. I wa advised that my credit that was over XXXX points last year was now XXXX. This adversely increased what my mortgage rate would have been if XXXX XXXX or the collection company had allowed me the opportunity to grieve or respolve the dispute. As a Result, I was forced to pay a bill in hopes the adverse bill could be reversed. This is extortion. I requested notification and records of the notifications of this outstanding bill that neither XXXX XXXX nor the collection company would nor could produce. I repeat, I was never notified that my credit was going to be adversely affected by XXXX XXXX nor the collection agency. After I paid a bill I was never notified about, the collection agency stated I would have to call XXXX XXXX to have this blemish removed from my credit, when I called XXXX XXXX, they stated I needed to call the collection agency. Someone needs to be accountable for this bully tactic. I am available for further comment or information if necessary.
Consumer complaint received 2017-10-19
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: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX I notified the three major credit bureaus that an account from XXXX XXXX was being reported on my credit report, I informed the that the account was open by my ex-husband when I was out of the country, The account was open on XX/XX/XXXX however I was out of the country and I retuned on XX/XX/XXXX. On XXXX I received responses from the credit bureaus, they claimed that they verified the information and that the account information was correct. On XX/XX/XXXX I notified XXXX XXXX that the account in question was opened with out my consent and at the time I had no knowledge of the account. The Account was opened by my ex-husband. I provided a copy of my passport showing that I was not on the United States when the account was opened however they neglected to acknowledge this and they just stated that they reviewed their files and that the account information was correct. Also they send me a separate letter stating that they sold the account to a collection agency. XXXX XXXX has neglected to acknowledge the fact that I did not open the account and that i was out of the country at the time, they have not also provided proof that the account belongs to me.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I am a XXXX XXXX Banking XXXX, with XXXX active credit cards from them. I have never been late with any of my cards ( chase or non-chase ), and have paid all of my cards in full every month. Also, the amount of money I have in my Chase bank account is a lot more than the credit limit they have extended to me so far. On XXXX XXXX, XXXX, after looking into my online banking account, I noticed that all my credit cards have XXXX available credit limit and are noted as closed. While really panicking, I called chase card services and all they are telling me is that the cards were closed due to bank 's policy with no further explanations or notes on the account. They are not telling me any details, other than that a letter will be sent out to me within XXXX to XXXX business days. The action they have taken is going to destroy my credit history since my XXXX cards are the oldest credit cards I have ever had, and most of the credit cards I have are with XXXX, and I put almost all my spends on them.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2022-01-05
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. (FL)

XXXX  account XXXX. I have not supplied proof under the doctrine of estoppels by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX have already deleted the fraudulent account! All requirements ID with the XXXX report. You are required by law to remove this account no later than four days. This account is involved in litigation.
Consumer complaint received 2017-10-18
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: LoanCare, LLC (AZ)

An account that was not established by me was erroneously reported to the 3 major credit institutions. This complaint is regarding XXXX. I disputed the account with them, during which I provided a brief statement that the account was unknown to me. They closed the dispute simply stating that my credit report had been updated with that short comment when the appropriate response was to follow up on the incorrect entry and have it removed. Called and after spending 30 minutes on the phone I was able to verify that no action was actually taken to investigate/remove the incorrect account.
Consumer complaint received 2017-10-18
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: LEXISNEXIS (TX)

XXXX is reporting an UNVARIFIED Chapter XXXX bankruptcy on my credit report based on information that they received from a third party agency LexisNexis. Under the FCRA, XXXX XXXX Agencies XXXX Credit Bureaus XXXX must provide a copy of the verifiable original creditor documentation if it is requested properly by you the consumer. Since they can not provide proof of verification to you in the form of a physical contract document per your written request to do so the account is classified as UNVERIFIED and under the FCRA all UNVERIFIED accounts MUST BE DELETED. Whether the account is correct or not makes no difference. If the CRA can not provide you physical verification of the account it is an UNVERIFIED account and MUST BE DELETED. Per clerk of the court of the United States Bankruptcy XXXX XXXX And XXXX XXXX of Texas, they do NOT verify bankruptcies for anyone and that is indicated in the attached letter from the court. Companies such as LexisNexis and XXXX are considered third party verifications and NOT actual verifications from the court. Due to the fact that this bankruptcy has NOT and can not be verified via the ACTUAL court, I am requesting and demanding that this bankruptcy be removed from my credit report immediately.
Consumer complaint received 2022-08-05
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. (MO)

In accordance with the Fair Credit Reporting act the following accounts are in dispute : XXXX XXXX XXXXXXXX Account # xxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions