davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (FL)

Capital Accounts claims that I owe a debt # XXXX for {$3000.00} from XX/XX/XXXX. They say they are from XXXX?? 

I explained to them that this debt is not mine. I also explain to them that I was XXXX in a XXXX XXXX in XXXX?? It would have been impossible for me to make these charges!! 

I never signed and document of agreed to any of the charges they claim. they are not my charges. I have been divorced since XXXX. I believe these bills were made by my ex-wife. I know nothing of these bills, nor was I ever called to authorize them or assume responsibility for them. 

I have asked Capital Accounts SEVERAL TIMES to remove this item from my credit report. I also asked them to provide me with PROOF of these charges and PROOF that they are mine. They have informed me that they have NO supporting documents to supply me!! 

This item # XXXX has to be removed immediately! It is over 11 years old! It is unlawful to makeup charges and attach them to someone credit report without any supporting documents or proof that the claim is valid. 

Please have them remove this item from my Credit Report with XXXX, XXXX and XXXX XXXX Immediately. Thank you I XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

multiple times I dispute fradulent accounts, but all 3 credit credit reporting agencys, keep saying information is correct, please help me to remove 12 fraudulent accounts from my credit report, XXXX and XXXX removed 6 fraudulent accounts, please also help me with XXXX XXXX and XXXX to remove remaining fraudulent accounts from my credit report, I'm attaching all fraudulent accounts witch one I print it and uploded. 


police report also uploded
Consumer complaint received 2021-08-10
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX I was recently a customer with chase bank. I had a roommate living with me for a significant amount of time and I had no knowledge that she had been keeping a note book of my information as well as stealing my cell phone that had information stored in it. She stole my phone and essentially used it to make 2 separate XXXX XXXX  she use this information to steal alot of money from my account and leave it over drawn. When I became aware of this I disputed the transactions. There were so many that it was done in several claims. In 5 or 6 I believe the disputes where mostly ruled in my favor but there was one that was not totaling XXXX dollars they closed my account and said I owed them these funds. My issue is that I don't understand how they could determine this if Evey other dispute was ruled in my favor it make no sense that I was denied this dispute but in every situation it was all the same information provided and nothing more. They also told me my account was closed but still accepted my work check into the account. Leaving me with out money. In my savings account I still had XXXX dollars they just took that money never issued a check and never subtracted the XXXX from what I supposedly owe
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 — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to XXXX, XXXX, and Equifax requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I used my Chase Ultimate Rewards points to book a flight on XXXX XXXX from XXXX to XXXX with a stopover in XXXX XXXX scheduled to depart on XX/XX/XXXX. On XX/XX/XXXX I discovered that the flight had been cancelled. I contacted Chase Ultimate Rewards to refund my points so that I can make alternative arrangements. Chase Ultimate Rewards has refused to refund the points claiming that " it is up to the airline '' however US DOT rules require airlines to refund passengers for cancelled flights, and as the issuing agent Chase is also responsible to refund the points. Chase reached out to me again in XXXX by email notifying me that the flight had been cancelled and asking if I wanted to get a refund or boo an alternative flight ( although no flight to XXXX   is/was available ) I requested a refund. However, when I called to see if the refund had been processed I was again told that Chase would take no action unless they heard first from XXXX  XXXX ( which has been completely unresponsive ). They have shirked all responsibility to their customer as both a financial institution and an agent.
Consumer complaint received 2020-08-24
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$150.00} XXXX XXXXXXXX XXXX {$1400.00} XXXX XXXX {$1300.00}
Consumer complaint received 2022-08-16
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

I am currently living off of money provided from Pandemic unemployment assistance since I am unable to make much income from my normal field of work. Recently, the CARES ACT expired and as a result, I am only receiving a portion from my state unemployment office of the money I have usually received. 

From XXXX- XXXX I accumulated {$370.00} in Overdraft and return item fees. 

This {$370.00} would be helpful in my situation since I am currently dealing with this sudden drop in income since the pandemic forced me to rely on unemployment assistance. 

I beg chase to help me out and reverse all {$370.00} dollars. I think it would be right since I dealt with a small issue in early XXXX in which I was unable to get my debit card sent to my new address. I am dealing with this pandemic as a single father who recently graduted college. 

I don't mind paying my $ XXXX  monthly fee, you guys deserve that money. I'm only disputing the OD and RI fees.
Consumer complaint received 2022-07-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Failure to perform an investigation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Failure to perform an investigation XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2020-11-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (GA)

My home equity FHA mortgage loan is through PNC Bank. I've been being harassed and threatened to have penalties and fees for payments I can not afford at this time. I've been trying to apply for the forbearance due to me having no job, and family members that have passed away due to covid. This national pandemic has taken a toll on my income and family. Under the CARES ACT I'm suppose to be protected and able to apply for a pause on my mortgage. PNC bank however, is denying me the right, when I ask for the forbearance they inform me of only having a loan modification program and hardship program available which both requires approval and can take over 30 days, it also requires a 17 page form to fill out with copies of my bank account funds. Many of PNC bank members are having the same issues with PNC denying them the right to apply for forbearance. PNC Bank is making it really difficult for myself and others through these difficult unforeseen times. I need help, and would like to file a complaint against PNC bank for not abiding by the Cares Act law. They are threatening to have me homeless and are causing me emotional stress.
Consumer complaint received 2020-11-02
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. (GA)

Fraudulent inquiries showing on my XXXX  credit report. I have contact XXXX directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX date of inquiry XX/XX/XXXX XXXX XXXXXXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX
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. (NC)

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to XXXX and Equifax Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 

XXXX Account # XXXX Reporting to XXXX and XXXX Only! Violating my rights! 

XXXX Account # XXXX Reporting to XXXX  Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to XXXX  Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to Equifax and XXXX Only! Violating my rights! 

XXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information XXXX Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to Equifax OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information XXXX Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to Equifax XXXX are in violation of my rights! 

XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to XXXX and Equifax ! They are violating 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

Barclays originally denied 2 disputes that were eventually settled. After weeks and weeks of enduring poor customer service and my needing to invest hours and hours of time, the ordeal seems to be over with refunds in my account. However, I have interest charges associated with the amounts that were disputed. I asked customer service to take care of the charges. For the umpteenth time, they are having me wait 24 -48 hours for a manager to call me to discuss it. The lunacy must end. I can not handle getting involved with any other lengthy round of circular conversations. I just do not have the time, and I should not be asked to do this! I am tired of wasting time because of their most inferior customer service!
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.
Consumer complaint received 2022-09-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I have tried to resolve the property tax exemption with this company for months. 

Submitted letter from county on XX/XX/XXXX stating Im exempt from property tax Submitted corrected tax bill that reflected the months I closed on the property XXXX XXXX. The bill reflected the last two months being tax exempt for the tax bill in XXXX ( for XXXX taxes ) XX/XX/XXXX - I had the county assessor ( XXXX XXXX ) on the phone with XXXX ( escalation team ) and he couldnt be any more clear that I was exempt from property taxes. Please review the recording. 
I was told I would have resolution in 3-5 days. I followed up on XX/XX/XXXX and they said this was sent to their executive team for review. 
I called on XX/XX/XXXX and they said it was still with the executive team. 
I called this morning and loan care said the executive team doesnt review this. 
Please help.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

Beginning with XXXX, I submitted a request for a free credit report and identified an account to which I have no knowledge or association to. This is identity theft/ fraud and I need help removing this from my credit report. Please help! Details are listed below. 

*I have called this company and it can not locate me using my social security number and I can not assist any further because I do not know of any account number except the last four digits listed on the XXXX Credit Report. 

This account has a balance of {$27000.00} as of XXXX XX/XX/XXXX. 

It was opened on XXXX XX/XX/XXXX. 

The last XXXX digits are XXXX. I don't have any other information about this account aside from what is being reported by XXXX. 

The contact information of the company is : JPMCB - CARD SERVICES XXXX XXXX XXXX XXXX, FLOOR XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2022-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NY)

since XXXX I have had numerous accounts opened in texas with XXXX companies such as XXXX XXXX with addresses in texas XXXX never been to texas XXXX do not know anyone in texas XXXX, I have disputed all these accounts, filed FTC -police report, of Identity fraud placed a fraud alert on my credit accts, but penn credit keeps hitting my credit report I am scared and frustrated that someone is opening utility accounts with my credentials name ss and who knows what else now I they requested I file another police report with all 6 of the account numbers they have under my name
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, XXXX, Equifax that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are company 's that are giving false information because I applied for anything or know anything thing about these companies
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (WI)

Two unauthorized charges were posted today, XX/XX/2022 on my bank account -- one for {$5.00} and one for {$100.00}. I was first notified of the charges on Saturday, XX/XX/202. Ally texted my alternative phone number first before notifying me and then proceeding to notify me through my email and my primary phone that a fraudulent/suspicious charge was on my account. They were incorrect in the text messages saying that {$100.00} was charged, and it was actually {$100.00}. The text message notifying me also was vague and unclear as it stated " Reply YES or NO to authorize '' implying that if you texted yes or no, it would authorize the transactions. I replied with " No '' in the sense, that I did not want to authorize any transactions. Immediately after I sent that, another message sent stating that I'd receive a call from a fraud specialist. I received a call on Sunday, XX/XX/2022, however I never got in touch with a real person and was put on hold. After about 10 minutes, the automated call stated that there were no specialists available and hung up. 

I filed disputes and have not heard back. I am disappointed with the bank since I have been a customer of 8 years. Their dispute questions also seemed like leading questions to frame that maybe it was someone I knew or a company that I had paid before from my bank which is not true.