davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

NAVY FEDERAL CREDIT UNION I HAVE A CREDIT CARD ACCOUNT WITH NAVY FEDERAL. MY LIMIT IS XXXX. I ALWAYS PAY MY CREDIT CARD AMOUNT OFF EVERY MONTH. 
WHEN I SPOKE TO AN NFCU AGENT TODAY, XX/XX/XXXX SHE LOOKED AT THE CRITERIA I SPOKE ABOUT AND INFORMED ME THAT UP UNTIL TODAY, FROM XX/XX/XXXX TO XX/XX/XXXX XXXX I HAD DEPOSITED XXXX INTO MY CREDIT CARD ACCOUNT. 
SHE LOOKED INTO AND STATED SHE ALSO FOUND AN ERROR. SHE COULD NOT FIND A XXXX DIFFERENCE. 
I FEEL THAT MY ACCOUNT IS BEING TAMPERED WITH. 
I AM A VICTIM OF FRAUD AND NFCU DOESNT LOOK INTO IT THOROUGHLY. I WOULD LIKE 3RD PARTY INTERVENTION. 
I PAY MY CREDIT CARD AMOUNT OFF EACH MONTH. DURING THE PERIOD OF XX/XX/XXXX UNTIL XX/XX/XXXX I DEPOSITED XXXX I DID NOT PURCHASE ANYTHING LARGE OR UNUSUAL. THIS IS NOT NORMAL FOR ME. 
I USUALLY IMMEDIATELY ADD MONEY TO MY CREDIT CARD ACCOUNT TO KEEP IT UPDATED SO I CAN CONTINUE TO USE IT AND KEEP A GOOD CREDIT SCORE. THIS IS WHERE MY PROBLEM IS I BELIEVE. 
I REALIZED I HAD DEPOSITED XXXX. WITHIN 5 WEEKS. 
WHEN I CALLED TO FIND OUT WHAT WAS GOING ON I WAS GIVEN VAGUE DISTURBING ANSWERS. AFTER TRYING TO FIND OUT WHAT WAS GOING ON I NOTICED THAT THERE WAS A CHANGE TO MY CREDIT CARD ACCOUNT. 
THE CHANGE WAS THAT I NOW OWED XXXX  $ FOR XX/XX/XXXX AFTER DEPOSITING ALL OF THAT MONEY. 
I CALLED NFCU AGAIN. I NOTICED AFTER I MADE THAT CALL THE XXXX   $ PAYMENT WAS REMOVED. 
THIS US DISTURBING. 
I DO NOT UNDERSTAND HOW I SPENT XXXX IN 7 WEEKS WHEN MY CREDIT LIMIT IS XXXX AND I CONSISTENTLY PAY IT OFF. 
I WROTE TO THE NCUA AND THEY STATED THAT AFTER CAREFUL CONSIDERATION, MY CASE SHOULD BE REFERRED TO THE CFPB. 
I BELIEVE I AM MISSING MONIES ESPECIALLY SINCE I WAS INFORMED THAT THERE WAS A XXXX $ DEFICIT ON XX/XX/XXXX BY A NFCU AGENT SUPERVISOR.. 
THE REASON I CALLED TODAY WAS BECAUSE I NOTICED A DISCREPANCY. THERE WAS XXXX BALANCE AND A XXXX XXXX $ PENDING TRANSACTIONS. 
I ADDED THIS AMOUNT UP. IT CAME TO XXXX. I SUBTRACTED THIS FROM FROM XXXX, MY CREDIT LIMIT THE AMOUNT WAS XXXX. 
MY AVAILABLE BALANCE WAS XXXX. 
WHEN I CALLED NFCU AND SPOKE TO AN AGENT. I THEN ASKED TO SPEAK TO A SUPERVISOR. AS I WAITED I PULLED UP MY STATEMENT AND LOOKED AT MY STATEMENT AGAIN. THE BALANCE HAD NOW DROPPED DOWN TO XXXX. 
I COULD NOT UNDERSTAND IT. I SPOKE TO THE SUPERVISOR OF MY CONCERNS. THEN SHE STATED THAT SHE WOULD HELP ME. SHE INFORMED ME AS OF TODAY I HAD DEPOSITED XXXX INTO MY CHECKING ACOUNT AS OF XXXX XXXX. SHE INFORMED ME ABOUT A XXXX DEFICIT. 
INCIDENTALLY.. 
IT SEEMS THAT WHENEVER I GET A LARGE SUM OF MONEY I AM MISSING MONEY IN SOME FORM .ON XX/XX/XXXX, I RECEIVED A DEPOSIT OF XXXX. I IMMEDIATELY PUT XXXX IN MY CREDIT CARD ACCOUNT. BY XX/XX/XXXX I HAD ADDED AN ADDITIONAL XXXX. WHERE DID IT GO I WOULD LIKE CLARITY IN THIS MATTER.
Consumer complaint received 2022-03-21
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-22
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 — Their investigation did not fix an error on your report
Company: T.S. Holdings (MO)

I have disputed this account numerous of times with I.Q. Data Solutions. I have requested the proper verification to show that I am responsible of a debt owed with I.Q. Data and they have failed to validate or provide any contract binding me legally with this company. Each time I have called to speak to a representative I am either hung up on, placed on an extensive hold or spoken too rudely and inappropriately. This issue is affecting my credit score and credit repairing. What they have provided with me with shows no proof that any agreement or contract was signed with them.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (FL)

In XX/XX/2020, we missed a payment due to a some personal family issues. We calledBridgecrest when we realized we missed our XXXX payment and was set up on a payment plan to get us current. Our usual payment is {$410.00} a month but we paid {$510.00} per our payment agreement from XXXX to XXXX. On XX/XX/2020, we paid for a credit monitoring service through XXXX and found out Bridgecrest was listing us being late every month since XXXX. This is not true as we ONLY missed XXXX payment and set up a payment agreement with them and PAID it EVERY month. When I realized what they were doing I quickly paid the full amount due. I was never informed by Bridgecrest that my account would be reported late on this payment plan and I was actually lead to believe the opposite as they wanted to asure payment by scheduling a direct debit from my account every month. I agreed to it to protect my account and keep my credit in good standing. I contacted Bridgecrest several times to dispute the late payments as well as disputing it with the credit bureau. They are reporting that we have been consistently late for 5 months and reflecting we are not making payments as agreed, however, we are making a payment every month in accordance with our payment plan. Bridgecrest refuses to fix it and it is affecting our credit score and our ability to buy a house. We are looking into a class action lawsuit with our lawyer as many other customers have experienced the same unethical reporting practices of Bridgecrest. We would like our credit report to accurately reflect our payments and ONLY show we were late in XXXX and paid as agree from XXXX through XXXX as we have paid as agreed.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

To whom it may concern, I have recently been informed that there has been negative information reported by Wakefield and Associates ( based out of XXXX, Colorado ) to the Credit Bureau from the file they maintain under my Social Security number. Upon reviewing a copy of my credit report I see an entry listing that I owe {$1600.00} & a subsequent listing that I owe an additional {$230.00}. 

I challenge the accuracy, compliance and report-ability of these listings. Wakefield and Associates needs to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security Number and removed from my credit report. 

In the letter to Wakefield and Associates I provided 30 days to complete their investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I will meticulously be keeping track of all actions, including methods of verification, and how Wakefield and Associates would of accessed HIPPA protected information as a third party. 

In my letter I do not consent to E-Oscar or any other means of automated verification that has clearly failed Wakefield and Associates. Automation is the reason why Im having to waste my time, defending my name and reputation. The automated system has caused me to have to go out of my way and fix these inaccuracies and defaming reports, and will probably lead to Wakefield and Associates losing another law suit. 

If this matter is not taken care of within thirty days of my certified letter, it will result in a small claims action against Wakefield and Associates for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, HIPPA Violations, and the list goes on. 

Wakefield & Associates has a horrible reputation for their acrimonious actions on every platform. The Consumer Financial Protection Bureau was created to keep companies like this from doing fraudulent stuff and attempting to take advantage of innocent people. I dont barrow money, I could careless about my credit score. I checked for the first time ever, just to do it after a friend I gave hard money loan to asked what my credit score was. Im XXXX because of the principle, either Wakefield & Associates has the wrong person, or knowingly is committing fraud.
Consumer complaint received 2022-09-01
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. (TN)

I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. 

Equifax is governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Not long ago they were giving out fake credit scores, and its been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. 

According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Equifax or any other agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. 

According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-12
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. (MI)

According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. XXXX  and equifax failed to do so.

also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy XXXX violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. XXXX EQUIFAX AND XXXX have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX XXXX HAS CHARGED ME 10 times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if not. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : 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
Consumer complaint received 2020-04-28
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. (CA)

XXXX XXXX reported that I was 90 days late on my XX/XX/2020 invoice. I have never been late on any of my invoices and have always paid the minimum balance on all statements. None of my statements show a late payment being issued or a payment had not been paid. XXXX XXXX states I owe {$120.00} for a late fee. Why is the late fee {$120.00}? That is an extremely high fee. Every statement has been paid before the due date every month. I dont understand why Im given the option to submit my evidence when its not taken into account. The proof is on each statement.
Consumer complaint received 2021-12-13
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (OH)

My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting XXXX XXXX and Fidelity Properties off my XXXX report due to illegal reporting practices.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

My XXXX and XXXX reports correctly indicate that this debt was not able to be verified. It dropped off my reports years ago and still remains on my XXXX report. It is a creditor or collection agencys responsibility to report accurate information to all three bureaus. In this case, they keep saying the debt is verified even though it has since been unverifiable. I need help getting IC Systems and XXXX XXXX off my XXXX report due to illegal reporting practices.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (TN)

Hyundai Motor Credit informed me that my interest on my car loan does not go down as I make my monthly payments to my vehicle loan. This is not the contract I signed. They informed me that my interest will stay roughly the same every month at {$1.00} per day from due date to due date. My truth in lending disclosure states I should pay {$2500.00} over the 72mo life of the loan. But if I pay {$1.00} per day that's nearly {$4000.00} over the life of the loan. I will attach a screenshot of my payments I made and you can see I am making extra payments to the loan but my interest is increasing every month
Consumer complaint received 2022-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

As per the limited time waver ( 1 year to apply ) from the Department of Education and XXXX XXXX XXXX ( FSA ), I would like to know if my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments will count toward my student loan payment as qualifying months. 
There is proof on file that I was employed by the XXXX of NY for this entire time. Although this was passed in XX/XX/XXXX, no payments have been added to my account. I mailed you the application and I received a letter months later stating that I did not sign the application. I have since mailed you back another signed application and still my account has not been updated. 
I have been calling since XX/XX/XXXX and was told that XXXX is updating my account. To which XXXX stated that Fed-Loan is supposed to update the account. I have called to see when this account would be updated as of today, I was told that it would be another 6 months. 
I would like for this account to be updated as soon as possible. Thank you for your time and cooperation.
Consumer complaint received 2022-01-11
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: JPMORGAN CHASE & CO. (NY)

Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX XXXX XXXX Bank ) XX/XX/2021 2021
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Hello, I would like to file a complaint regarding Chase Bank 's unwillingness to uphold the terms of its Trip Delay Reimbursement policy. [ See attachment 1 - Chase Claim Correspondence ] According to their Trip Delay Reimbursement policy [ See attachment 2 - XXXX XXXX XXXX ], Chase Bank should reimburse me for the XXXX XXXX reservation that I missed due to a trip delay caused by XXXX. 

My original flight itinerary with XXXX was scheduled to leave on XX/XX/22 at XXXX. [ See attachments 3 - Original Boarding Pass, 4 - Original Flight Itinerary ] However, XXXX had to rebook my flight last minute from XX/XX/22 at XXXX to XX/XX/22 at XXXX. [ See attachments 5 - Flight Change Itinerary, 6 - New Boarding Pass, 7 - XXXX  Flight Change Statement # 1, 8 - XXXX Flight Change Statement # 2 ] This 24 hour trip delay caused me to miss my hotel reservation with XXXX XXXX on XX/XX/22. [ See attachments 9 - XXXX  XXXX  Booking Email Confirmation, 10 - XXXX XXXX Booking Receipt ] Chase Bank 's Trip Delay Reimbursement policy states that if you get delayed for more than 6 hours, or you require an overnight stay, you and your family are covered for up to {$500.00} per ticket for reasonable expenses " including but not limited to meals, lodging, toiletries, medication, and other personal use items. '' I didn't receive XXXX XXXX 's services due to the trip delay caused by XXXX. I have reached out numerous times to Chase Bank representatives regarding honoring their policy, and acted in good faith in providing them all the information they requested. 

Since Chase Bank 's trip delay reimbursement policy covers lodging, I would like Chase Bank to reimburse my account with {$200.00} for the XXXX transactions I made with XXXX XXXX. 

Thank you.
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (TN)

XXXX XXXX had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX