davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

MACYS store card is been charging me late fees on top of other " hidden fees " for late payments and more I've been paying on time since 2022 and now that I check on XXXX I owe double the amount before which was {$400.00} ( owing ) now is {$800.00} without using the card x months!!! So payments are going NOWHERE and the monthly charges are increasing even more every month... now the amount is {$860.00}!!! When my card limit {$800.00} I've been calling and they just want me to keep paying every month while I'm being charged like I haven't made a payment... they hang up phone and no one helps me to explain
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Re : XXXX XXXX I filed a dispute with XXXX around XX/XX/XXXX in which the item could not be verified, so the item was deleted. Later, it was reinserted. I reached out to them about the reinsertion and requested a deletion, but they continue to report this inaccurate account on my credit file. 

I filed a dispute with Equifax who was reporting a monthly payment amount of {$47.00} when XXXX and XXXX was reporting {$0.00}. Upon filing a dispute with Equifax, they updated the monthly payment to {$0.00}, but also changed the first reported delinquency date to XX/XX/XXXX when they first had it reported as XX/XX/XXXX. There are too many inaccuracies and contradictory information being added and removed by all 3 bureaus ( XXXX, XXXX, and Equifax ), and is a violation of 15usc 1681eb. I want this account removed from my credit file with all XXXX bureaus immediately.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX- Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (CO)

On XX/XX/23 i tried to add cash to coinbase for additional investing in crypto. My account showed an error so i contacted customer service to find out what's going on. They told me that my account was restricted and i could no longer add cash, buyer or sell crypto, or make withdrawals. I opened an investigation with coinbase and they closed it XX/XX/23 without any further information being communicated to me. On XX/XX/23 i contacted customer service again to find out what the results of the investigation were, they would not give me any additional information. They said after XX/XX/23 i could ask them to investigate this again. They point me to a link that indicates i may have a restricted account because a deposit may have been rejected or i haven't been using a verified account, i would rebut both of these by saying i have not had any rejections by my bank and i've been using the same bank account for years. this seems fraudulent. How can they get away with doing this to consumers and not have to be accountable to any regulatory agencies.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. 

ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! 
Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! 

I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (PA)

Its hurting my credit & I didnt have any gas in my name in XX/XX/2023 this is hurting me being able to move and get a car for my children & I never gave anyone authorize to give a different company my personal information & its in collection but says open XXXX completely lost
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX I received emails from XXXX, XXXX and XXXX advising that three hard inquiry 's were made on XXXX. The inquiries were made by XXXX, Capital OneXXXX and XXXX XXXX  XXXX XXXX for credit. My credit score was immediately dropped. I contacted the credit reporting agencies by phone to let them know that I did not apply for credit from XXXX, Capital One or XXXX XXXX XXXX. I also disputed these inquiries with the agencies online. I explained that I already have credit cards with Capital One and Discovercard and I have never heard of XXXX XXXX XXXX. I was told that I need to contact XXXX, Capital OneXXXX and XXXX XXXX  XXXX directly and let them know that I did not apply for credit from them. I spoke with representatives from all three companies and was advised that these accounts would be closed and reported to their fraud department and they would contact the three credit monitoring agencies to have the hard inquires removed. 

I immediately put a freeze and a fraud alert on my XXXX, XXXX and XXXX accounts. 

It became clear to me that someone was trying to steal my identity because on XXXX I received a change of address verification from the U. S. Postal Service that was made on XXXX. Someone was trying to get my mail sent to them. I immediately contacted the USPS and let them know that I did not request an address change. I was contacted by the Post office on XXXX and provided with the address the mail was to be forwarded to. I then spoke with Detective XXXX XXXX and filed a police report on XXXX with XXXX Police Department in XXXX, TN providing them with all of the information I received from the Post Office on the person trying to steal my identity. This report can be obtained from XXXX XXXX XXXX XXXX Department Case No. XXXX. I also reported this to FTC Identity Theft. Enclosed is a copy of the report. 

All three credit monitoring agencies have removed the hard inquiries of XXXX and XXXX of XXXX. However, the Capital OneXXXX hard inquiry was removed only from XXXX and XXXX but has NOT been removed from XXXX. I have disputed this with XXXX several times and they continue to leave this hard inquiry on their report. 

I am requesting that XXXX remove this unauthorized Hard Inquiry by Capital OneXXXX from my credit report.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC. (FL)

I had a credit card debt of XXXX. I went through a difficult financial period, losing my job and almost losing a home, because of hurricane damage. I was displaced for a period of time. I tried to negotiate a payment that I could afford and was unsuccessful. Midland credit bought my account. It is now well over {$18000.00}. I have to make $ XXXX/month payments, which I can not afford. I am the head of household with XXXX children to support. I live on my own and now have suffered mechanical failure of my vehicle. As a result of this account with XXXX, I have difficulty being approved for a loan. I can not buy a home with bad credit. My rent keeps going up every year and it is difficult for me to make ends meet. I am divorced and receive only XXXX/month for child support.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

There is a recent hard inquiry ( XX/XX/23 ) on my credit report from Capital One that is fraudulent. I was the recent victim of identity theft and have been working to correct and undo the damage done to my credit. Capital Ones system will not allow me to speak to anyone without entering a card number and there is no corporate email. All the responses I ever get back are we aren't the correct department and direct me to a number that goes nowhere.
Consumer complaint received 2023-06-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Bay Equity LLC (FL)

I am attaching a detailed summary to include documents ; dates, amounts, attempts to resolve, and the hardship Bay Equity Home Loans has caused XXXX XXXX XXXX XXXX as well as XXXX potential buyer of our Duplex. On XX/XX/2023 a contract to purchase our duplex was received. In the packet was a pre-approval for the buyer for a conventional loan. An appraisal, which was supposed to be an appraisal for conventional, came back at {$410000.00}, well under the purchase price of {$500000.00}. We and the buyer wanted a solution. The lender suggested switch to FHA, agreed XX/XX/2023. 2nd Appraisal ordered by the lender came in at {$500000.00}. On XX/XX/2023 lender issued a credit denial. On XX/XX/2023 we received another offer to purchase with FHA financing. Listing broker provided the {$500000.00} appraisal. Through an email from the initial lender, email included as proof, that they filed the incorrect appraisal in error. As it was submitted to us that it was an appraisal for a conventional and the XXXX correct appraisal was filed with for the FHA. Our hardship, due to the first appraiser 's error, which he admitted, it is attached to our property for 120 days, which means we can not accept any offers from potential buyers until after XX/XX/2023. In addition we lost the ability to sell twice to buyers. This is a serious financial hardship to my company. As you will see in the attachments, we have tried numerous times to have this corrected. The lender 's agent refused to give us her supervisor 's name. Please review the attached documents. Our request is to have the incorrect $ XXXX appraisal removed and the $ XXXX correct one tagged to our duplex. Thank you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

sec. 605 15 usc 1681C - FAILURE TO REMOVE DISCHARGED DEBTS - After a debt has bee discharged in a bankruptcy it should be removed from the from the consumers credit report. Failure to do so within responsible time can be a violation of the FCRA. 
Reporting company has not removed discharged debt accounts from my credit report since conception of discharge even after receiving discharge notice from the state. 
Accounts listed in discharge are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The only accounts that should be on my credit report is XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

I am filing this complaint against Chase due to their mishandling of a dispute regarding a charge from XXXX, a booking company. My booking was cancelled due to a legitimate emergency, and the company provided contradictory information about their refund policy. After a series of communication failures and inconsistencies from XXXX, I initiated a dispute with Chase in hopes of getting a refund. 

Despite my detailed explanation of the situation and the supporting evidence provided, Chase closed my dispute without a thorough investigation of my claim. Chase credited my account initially when the merchant failed to respond within 60 days but later rebilled me the same amount. This action was taken without any prior communication or explanation to me. 

When I discovered this rebilling and sought an explanation, Chase responded by saying that the charge was valid and they can not dispute it further. Their reason was that I had agreed to the merchants policy that does not allow refunds or credits. I find this response unsatisfactory, considering the contradictory and misleading information provided by Redawning about their refund policy. This led me to believe that a refund would be possible under my circumstances. 

Additionally, Chase has not allowed me to reopen the dispute, despite the merchant 's continuous inconsistent responses and failure to provide any documented evidence supporting their decision. I believe this action by Chase fails to protect my rights as a consumer and falls short of the expected standards for handling such disputes. 

I request that this issue be investigated thoroughly. I am seeking an exhaustive review of my dispute with the merchant and a justified resolution from Chase. This incident has caused significant financial loss and emotional stress, and I believe it is crucial that Chase address this matter appropriately.
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

i financed a laptop and desktop from XXXX XXXX XXXX over 5 years ago. The total amount did not exceed XXXX i made timely payments until i lost my job while pregnant. i then made some late payments but payments none the less. in XX/XX/XXXX i made some larger payments as it was reported on my credit report and i was trying to buy a home. the debt was paid off XXXX essentially with the interest added. Fast forward to XX/XX/XXXX i received information my my employer at the time stating that a wage garnishment was completed and there was a lien for a debt with Midland Funding. i late find out that a court case had been initiated against me for the same XXXX account that was paid including interest. i had no record of this court procedure and did not attend., in any event over XXXX was collected from my garnishment. this loan is a nightmare its been paid many times i need help with this predator ( midland funding ) as i do not owe any more yet it shows on my credit report as a current outstanding debt in collection
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023 I mistakenly purchased a XXXX silver bar with an autopay feature on XXXX using my capital one credit card in the amount of {$130.00}. When I realized happened About XXXX minutes after the fact I requested a cancelation because I was exceeding my limit on my credit card and did not want to use that card. After I requested a cancelation I immediately requested a return without the item being shipped. Hence not having possession of the Item yet. I then reached out to the seller informing him of the error and asked him to cancel refund the purchase prior to the item being shipped. The seller did not respond. Nor did XXXX. And 3 days later XXXX closed my return and didn't reach out to me as to why. I called XXXX 3 times and they finally said they closed it because I never returned the Item. I explained to them that I made the cancelation/return request immediately after I realized the purchase was made but they refused to help me. When the Item finally Arrived on XX/XX/2023 it was an Empty Envelope with a slit at the top and taped over like some one stole the contents prior to arrival to my residence. I believe it was either the seller or some one at the post office who committed the crime. I took pictures and sent them to the seller informing him and still got no response. I then reached out to Capital one and d informed them of the situation and disputed the charge. they temporarily put the funds back to my account then a week later put them back on my account. I then disputed again with documentation showing and explaining to them the situation and yet they still will not take action when I've been defrauded and stolen from. I'm also in the process of filing a police report as a result. As Tampering with mail is a federal offense. I'm hoping you can step in and take action in regard to this.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (AL)

I have moved from XXXX to XXXX. XXXX XXXX  XXXX requires me to have a copy of the lien holders title in order to receive my tag. I only have 30 days. They have faxed two requests to CarMax Auto Finance and have confirmation. CarMax Auto Finance denies receiving the faxes. The tag office attempted to call them but cant get help without having my social security information. They will not email a copy to me, so I in desperation asked them to mail it. I havent received it yet, but they say they mailed it. Mail can take a long time and sometimes gets lost, so I may not be able to receive it in time. The tag office finally just gave me their fax number, so that I could request that Carmax Auto Finance send it to them. I was told it was a 1-2 day turnaround. It has not yet been sent to XXXX XXXX Alabama. The tag office tells me that most lenders respond in a timely manner to these requests, and are not difficult, as CarMax Auto is being. The reps are nice when I call, because they are worried about the survey at the end. I suspect they tell me something to get me off the phone, but my need is not being handled. I will be fined if this is not received, and I could also be in trouble if I were to get pulled over.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I Have submitted a compliant that this is not my account and i advised that the lender, how was this investigated after reviewing the documents from the lender, the signature that on the document are not even my wet signature this is a clear case of identity theft
Consumer complaint received 2023-06-22
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. (NC)

After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX duplicate XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.