davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

This is a second follow up to my original complaint. My original complain stated that ; On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 
To date the bank has reimbursement approximately {$9500.00}. 
The bank refuses to reimburse the balance of the money taken, which is {$2500.00}. 

My 1st follow up stated that on XXXX XXXX, 2016, the Chase Bank did credit my savings account with a total of {$1500.00}. There continues to be an outstanding balance of {$1000.00} owed to me. I have tried to call XXXX XXXX XXXX, Executive Office, Chase Bank at XXXX extension XXXX and he fails to call me back. I have no other resource that tho notify you in hope that you will once again interceded on my behalf.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I paid the balances of {$3400.00} to the Amex card company all the supporting documents are attached, and after a some time the amex randomly charged my account with {$25.00} interest and {$25.00} as late fee even though the balances were XXXX after I paid in full, There were no formal intimation via email, postal mail, or phone regarding the balances, its the system error on amex, part, hence I requested for waive off/ XXXX the balance in full faith, I am sure consumer finance will take necessary steps to help the consumer,
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

returned a camera light that did n't work. vendor denies receiving unit. disputed the charge. card company requested proof of delivery from me & i sent date/time stamped tracking report from USPS showing fr.door/porch delivery 4 days after i sent it. now they are still not wanting to complete refunding my {$110.00}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hauge Associates, Inc. (IA)

Apparently a medical bill for my daughter was unpaid. I was not contacted even though I have kept the same phone number after our divorce. I have always requested that my mail be forwarded to my most recent address. I have lived in the same small town for more than 10 years. I am in the phone book. As soon as I learned that there was a " bad Debt '' on my credit report I contacted both the collection agency and the medical provider. I have since paid the medical provider in full. The collection agency ( Hauge and Associates ) still 1 ) Has me listed as owing XXXX on my credit report and 2 ) Is still expecting to collect a fee for something they neglected to even try to bring to any sort of conclusion.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I 've disputed items on my credit report with TranUnion and XXXX, a few months ago, I have n't seen any progress on my report. I called both Credit Bureaus twice just to check on the progress and they responded with no updates. I recently called TransUnion because I noticed there were inquiry 's on my report that has nothing to do with my accounts and would like them removed NOW. A representative then told me that the inquiry 's that was n't associate with my accounts is would be removed waited XXXX weeks and nothing has changed for inquiry 's nor disputes. Going to the third month soon.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (FL)

Hi Equifax, THIS IS THE SECOND TIME I REQUEST TO DELETE THOSE 8 FRAUD INQUIRIES FROM MY CREDIT REPORT. 
I NEVER APPLY OR DO BUSINESS TO ANY OF THOSE FRAUD INQUIRIES AND I CALLED EACH OF THEM BUT I WAS TOLD THEY DO NOT HAVE MY NAME ON THEIR SYSTEMS. 

THOSE FRAUD INQUIRIES BELOW SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> BCSS XXXX inquiry date : inquiry date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/year>
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: State Collection Service, Inc. (WI)

I had a XXXX debt, they did not send me anything and did not call me, they called my son, told him the amount of the debt and the date of service. He told them to call me. And when i called back, they did have my phone number and address. They must have just got the debt, i assume because they did not try to contact me prior.
Consumer complaint received 2017-07-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I received a letter On XXXX XXXX, 2017 from collection then received a phone call to my mother house not my phone number which they have access to my mom who is elderly and lives in a XXXX XXXX leaves a harsh message regarding me then On XXXX XXXX, 2017 around XXXX XXXX Pacific time I called the corporate office at XXXX ( XXXX ) XXXX EX XXXX spoke to XXXX which sounded like a man possibly giving fake names then he transfers me to another collection agent and starts arguing telling me he does n't care about the reason why I could n't pay I then ask if I can make payment arrangements he refused and told me to borrow money or get it somehow today the on a recorded line he then said I 'm refusing to pay I just told him when I could pay and starts threaten about outside agency to get their money my total came out to {$310.00} and he offered to split my payment at first then he said on his time it had to be done today I ask to receive a copy of the recorded copy of the conversation and how his business ethics need improving and how he cant be threaten or talking to consumers yelling and not letting consumers talk
Consumer complaint received 2024-10-10
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. (IN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2016-12-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After the death of my mother, I was forced to stay with some friends of my mothers. They learned that I was going to come into some money after turning XXXX from the death of my father when I was XXXX. I was in the accident that killed him and received a XXXX XXXX XXXX from the crash. The people I was staying with talked me into receiving a lump sum payment from XXXX. The money was deposited into an account with Bank of America. XXXX man that I was staying with, went with me to the bank while receiving the card, and must have overseen me creating the pin. He then took the card from me and then kept it to himself. He was known to carry a weapon and I was intimidated into not saying anything. Over the next several months, he was withdrawing money from my account. I was finally able to get in touch with my sister that lived in NC after she had filed and missing persons report and had the police come out to look for me. After the police had questioned me, ( I was too scared to tell them I was unable to leave and needed help ) the people decided that I should just leave and go to my sisters ( I found out later that they had already withdrawn all of the funds from my account ). After arriving in NC, my sister helped to file a report with Bank of America and the police about what had happened. The police said they would look into it, which has n't resulted in anything yet. Bank of America refunded XXXX and said they were unable to do anything about the rest of the money. Around XXXX was removed fraudulently from the account in total.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (FL)

Hi Equifax, THIS IS THE SECOND TIME I REQUEST TO DELETE THOSE 8 FRAUD INQUIRIES FROM MY CREDIT REPORT. 
I NEVER APPLY OR DO BUSINESS TO ANY OF THOSE FRAUD INQUIRIES AND I CALLED EACH OF THEM BUT I WAS TOLD THEY DO NOT HAVE MY NAME ON THEIR SYSTEMS. 

THOSE FRAUD INQUIRIES BELOW SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


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/year>
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

We keep receiving late notices from Seterus even though payment is made before the due date. To guarantee funding, payment is made with an official/cashiers check and sent via priority mail. When we inquired of Seterus, their response was that they changed their billing practices and are now sending the next month 's bill before the due date of the current month 's bill. They stated it was done as a courtesy to the consumer but the bill may not reflect payment because of the early billing. We are concerned that the late notices will now reflect poorly on our credit report and credit bureaus will report consistent late payments pattern. We have requested a confirmation and clarification on how their practice will impact credit bureau reporting. If we are paying on time, our credit score should reflect same.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have been paying my XXXX/Navient student loans since 2007. At one point, I was in forbearance ( for approximately a year. ) I have recently seen reports of the failings of Navient, I 'd like to inquire about my situation in this matter. 

Thank you
Consumer complaint received 2016-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (FL)

I followed the guidelines this apartment complex gave me. I had to move because of my job which caused me to break my lease. I wrote them a letter explaining why I was moving a month in advance like they advised me too. Everything was fine until two years later they put me in collections. I followed there rules for breaking the lease without repercussions and I still got sent to collections.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

They changed my due date when I was doubling my payments so that I was paying more interest than I should. They also would n't allow me to pay off my loans as i wanted. I was paying XXXX loans separately and when I paying one down quicker, they combined them and said that I could no longer pay separately. When I challenged them on it, they said that i could only dictate payments by calling after I had made payments. when I told them why they could n't take payments over the phone with my instructions they said that would cost money. When I asked about just sending payments with instructions on my check they said that I would have to write it on a separate piece of paper. My frustrations really mounted when I realized that I was paying more in interest than in principal even though I was paying {$100.00} extra per month.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

Navient had been emailing about needing to consolidate my loans. In doing so, the income based payments were a huge amount of money I could never afford and I still do not even have an increase in pay from prior to graduation. I am still working on a new position now that I have my degree. Because I could not pay the insane amount requested, I was forced into a regular repayment plan. Now I will not be able to have my loans forgiven after I have been with my employer for 10 years. Extremely frustrating and no responses to emails for assistance.
Consumer complaint received 2016-08-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

XXXX v. wells fargo The purpose of this complaint is to investigate interest charges and administrative fees on my home mortgage while it was in litigation for the past 33 months, approximately. 
My home is in pre-foreclosure. I have an interested buyer, however, the list price was based off of a principal payoff of {$110.00}, XXXX as quoted over the phone by a Wells Fargo associate in the foreclosure department. When I received a payoff statement from Wells Fargo by mail it had a figure of {$150000.00}. 
The loan was originally {$95000.00} at 5 % interest with an additional {$32000.00} at .5 % interest ( for a XXXX rehab loan offered by H.U.D. to make sure homes are habitable and meet Indiana code ) totaling {$120.00}, XXXXXXXX5.5 % interest. 
Aside from being taken advantage of as a first time home buyer from the beginning of this mortgage process ; now that I 'm trying to reconcile a reasonable balance Wells is continuing to dig a financial rut for me that at my age of XXXX, I unlikely will be able to get out of. ( at first I had been approved for a conventional loan, then it became an FHA loan which is when the XXXX rehab attachment to my mortgage occurred ). 
Please investigate the unreasonable and uncustomary fees they have attached to my account as well as the fact they sold me a home that would take in excess of {$70000.00} to bring to code not {$32000.00}. I am attaching letters I 've sent to Wells Fargo pleading for a resolution. No one of executive authority will directly handle a call or respond to my letters. I have been able to get through to middle management. Today I was told they intend to go on with a foreclosure sale and will send me a breakdown of how the interest has accumulated on my account. I need more time to resolve these charges and/or create a different approach to selling the property. ( my father is deceased, but XXXX ). ( I feel I was taken advantage of at the time I was transferred from conventional approval.. ( .closing of XX/XX/XXXX ) to FHA eligible.. ( closing of XX/XX/XXXX XXXX Mortgage Loan Identification : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX Attachments : Copy of XXXX contract submitted by H.U.D. contractor ( XXXX ) Payoff transmittal form dd XXXX/XXXX/XXXX Complaint to Wells Fargo Complaint Department dd XXXX/XXXX/XXXX Correspondence to Sr. Vice President XXXX XXXX dd XXXX/XXXX/XXXX ( XXXX office assistant responded via telephone XXXX/XXXX/XXXX, XXXX ) Document from XXXX detailing personal home owners insurance premiums paid by home owner not Wells Fargo Accumulated interest breakdown ( from Wells Fargo ) ... forth coming via fax and/or email XX/XX/XXXX correspondence to my attorneys of XX/XX/XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Note This is NOT a duplicate complaint I provided the sane information to Consumer Financial Protection Bureau and to XXXX as I have to the credit reporting agencies ; all three. XXXX said none of the credit reporting agencies reached out to them or they wouldve investigated further. This has finally been resolved and after XXXX reviewed all of my documentation and investigated further, they determined that what is on my report is a fraud account ; identity theft. They watch me through the process of filing an identity theft report with FTC. That was done XX/XX/XXXX. They informed me that they sent notification to all of the credit reporting agencies to remove XXXX off of my reports. In speaking with the credit reporting agencies, especially Equifax, Im hearing that theyve done enough investigation and disputes will not do any further although new information has been sent to them by the credit reporting agencies.
Consumer complaint received 2016-11-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC. (FL)

My insurance company paid the bill. The issue is at the time of service they assured me they were in network and if I am in network the insurance company would pay for the entire XXXX If I am out of network they do n't The agent at the desk upon sign in assured me they were in network. This was fraud and misleading as I relied on their statement or I would n't have done the XXXX with them. They have been paid by my insurance company per the negotiated rate I do not owe any amount beyond what they paid if they were in network which I was assured they were at the time of service. I am requesting the debt collector to CEASE their attempts to collect a bill that I did n't not agree to pay.