davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

This is regarding a dental cleaning I received on XX/XX/XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX  XXXX sent my account to collections 2 years after I had my teeth cleaned, though the issues was their fault and they failed to file the dental claim through XXXX timely. On XX/XX/XXXX, I went to XXXX XXXX XXXX and got a regular cleaning which my dental insurance, XXXX usually would cover 100 %. I provided XXXX my insurance for the cleaning at the time of my cleaning. I never went back to XXXX againand never heard from XXXX again. 

Almost 2 years later, on XX/XX/XXXX, I receive a call from a Capital Accounts collection agency that I owed {$310.00} from services at XXXX XXXX Cleaning, or it will go in my credit. I told the collection agency my insurance was supposed to have paid dental cleaning in XXXX. I called XXXX XXXX XXXX the following day on XX/XX/XXXX about the collection call. The lady who answered said she was the manager when I asked for the manager. She was very rude and basically told me that I have to deal with the XXXX XXXX collection agency when I asked her to pull up my account to find out what my insurance paid and why they never contacted me for almost 2 years and sent my account to collection agency and she hung up the phone. I called the collection agency again on XX/XX/XXXX to let them know that XXXX said I have to deal with them to find out what my insurance paid. The collection agency told me they do not deal with insurance companies ; all they do is collect payments. 

Also, on XX/XX/XXXX I called XXXX about this dental services from XX/XX/XXXX at XXXX XXXX XXXX. The customer service rep at XXXX told me that they received a claim XXXX XXXX   XXXX for the XX/XX/XXXX cleaning, however that XXXX did not file the claim until XX/XX/XXXX, almost a year later and XXXX had 180 days to file claims and so they denied it for untimely services. XXXX also stated that I do not owe because I had coverage, but XXXX failed to file timely and so XXXX should be responsible for the issue and absorb the cleaning and should never come after me I have contacted XXXX  multiple times, but they always state a manager will call me back. On XX/XX/XXXX, my three ( 3 ) credit scores from XXXX, XXXX and XXXX all dropped drastically because Capital Accounts put it on my credit. 

I have attached documents from XXXX showing that I had coverage for the XX/XX/XXXX cleaning, and that XXXX XXXX   XXXX did not file the claim timely and the denied the claim - " XXXX XXXX - This procedure has been submitted after the timely filing limit ''.
Consumer complaint received 2020-05-18
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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Due to multiple disputes on XXXX XXXX XXXX account ending in XXXX that has not been corrected I have used all my free credit reports. I have disputes this 10 times and they still have not corrected it. I have sent end documentation electronically, by mail, and by certified mail multiple time. I have call 20 times and they still have not corrected issue. The acct ending in XXXX show charge off with balance and 23 missed payments that has not been corrected. I have sent 5 letters for  method of validation since XXXX of 2019 and they have not responded to any of the letters.
Consumer complaint received 2023-01-04
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I have transfers from card XXXX XXXX XXXX XXXX dollars i never had a card ending in XXXX ever my credit builder XXXX an check card XXXX only. Ones i had i want my money back along with with drawls that never happend an all these reaccurring XXXX cent atm fees
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

My ex wife and I were going through the divorce process in XXXX, XXXX my ex wife asked XXXX XXXX to transfer her number to her own plan so that she could pay it. We contacted XXXX Customer Service and had her removed from my account and she gave them her social security number and they created her own account for her. I had no access to payment information or anything for her account. I was assured by customer service that I was not responsible anymore if she missed a payment. She had set up her own account. On XX/XX/XXXX I received a credit alert that I was sent to collections for {$500.00} that she did not pay. I called XXXX XXXX and they said that they had put her on a sub-account under my name and that I was legally responsible and that she wasnt responsible. I then called the collection agency and they had my ex wifes address on file and that she wasnt liable for the collection of the debt, only I was. We have been divorced officially since XX/XX/2019. I can not understand how I am liable for my ex wifes debt when I did nothing wrong. XXXX XXXX put it wrong in their system.
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

The XXXX, XXXX, and XXXX branches repeatedly told me {$200.00} of the large check deposited XXXX XXXX would be available today XXXX XXXX. I presented my check for {$200.00} to the XXXX XXXX Branch today and was told there were insuffient funds! 

Worse yet, the teller in a loud voice publicly announced what would be available tomorrow XXXX XXXX, A big no-no! Another customer was presentband as well another bank employee! 

What kind of bank is this when nobody can agree in the date the said check clears! 

I have had to spend hours on this and have been caused considerable distress as time us of the essence to meet an emergency!
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (DC)

My Chase Card was paid in full and closed in XX/XX/2020 due to bad customer service where they claimed I did not cancel a flight on time ( I had to email them a copy of my phone bill showing I did call on-time ) and they still did not provide me with a credit or points back ( I lost a {$500.00} air-fare ). They claimed that they didn't have a record of me calling. My flight was scheduled for XX/XX/XXXX. After this incident, I paid my balance in full ( $ XXXX ) and asked for the account to be closed out. Never got confirmation in writing. 

Fast forward to the week of XX/XX/XXXX when I called, as I got a letter stating I had an unpaid balance. I told them the hotel charge from XXXX on XX/XX/XXXX is a mistake as I cancelled that reservation via XXXX and I have the email confirmation. The hotel made a mistake and charged me twice instead of giving me a credit. I am now showing as having a delinquent account when I have never had issues paying and my credit score was XXXX. Chase Credit card is the worst and even talking to a supervisor did not help. I would like the delinquent account to be removed and my credit score to be re-stored. How is a charge showing up on my cc after it was closed is my question. The hotel shouldn't have been able to charge me, which it would've triggered a call. XXXX called the hotel and due to COVID, they are closed until XX/XX/XXXX and won't be able to clear the charges until then. I have now paid off the account, which I shouldn't have had to and now I am owed a credit. Bottom line, don't care about the credit. Don't want to deal with Chase ever again and I would like my score to be restored. You have damaged the credit on an outstanding customer.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (SC)

My XXXX Taxes were based on 6 % versus 4 % as they always been and my taxes jumped up last year, My Mortgage company made the payment in XX/XX/XXXX for the Amount of {$3900.00} when it should've been {$1300.00} and that caused my Escrow balance to be negative, I contacted tax office and went there personally and proved them that i live there and it's my primary residence, they did another Tax bill at 4 % and Reimbursed My mortgage the difference of XXXX on XX/XX/XXXX, it's XXXX and I am still paying for the extra amount to bring my escrow to date, My girlfriend lost her Job and i am struggling with bills and couldn't make the XXXX payment on time, they reported me to the credit bureaus and now this is hurting my credit, i have contacted them several times to see it they can at least help me with that late report, was told they can't do that and the earliest my account will go back to normal would be XX/XX/XXXX, I would like to submit this complaint because i feel they have the tools to correct this since they got the refund back from tax office 5 month ago, i can be reach by phone if someone wants to call me and get more information. 
thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I left a bank because of their service. XX/XX/XXXX I opened two checking and one savings at Wells Fargo and have been had trouble with their fraud department three times in the last two weeks, second time they caused me to bounce two checks ( I have never wrote a bad check in my 75 years ) and then today XX/XX/11 XXXX XXXX  I got a message left on my phone to call the wells fargo fraud dept before XXXX XXXX that night or call my banker and give them a code number they gave to me so quick that I had to list to it twice to get it written down. I called my banker told her what they said and she said she would call them and call me back. She called back and said I still had to call them about the issue. I called and I ask what was wrong and they said there was a {$300.00} check that they were looking at. I asked why and they said that i had written two check with the check numbers far apart and they were going to stop payment on this check. I told them I couldnt believe that was the problem. I told them I put a check book in each vehicle and that was why. I couldnt believe that was it and after I hung up I wonderd why that were looking at my account, I cant believe it was the two check problem. If I had a bank in the area I liked I would move again and that is not easy. I want an answer to why they were looking at my account
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AL)

Hey, I went to purchase a car, i did not even authorized for credit check, even they want to check they have do report once but the those people did hard inquiries for 5 times, now those are on my profile, I did not tell them to pull the report for multiple times, without informing they pulled the credit report. I am raising the complaint these credit inquiries made on XX/XX/year>. There are multiple inquiries made by them from ally financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via dealer. These are the companies involved in hard inquiries these all has to be removed.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX  XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-09-13
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Dispute of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to access my credit information XXXX and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (TN)

XXXX and Edfinancial XXXX XXXX are not communicating with me about the forgiveness loan information which was sent in XX/XX/2024 to them from my XXXX  as it relates to the current status of the forgiveness loan. I need help paying the XXXX dollars when it comes due.
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-14
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: Experian Information Solutions Inc. (LA)

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 2024-09-14
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. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Apparently, your customers are not " amazing '' as you claim. I have been a cardholder with you for almost 1 year and you abruptly shut out my Old Navy account because 2 payment was returned. I guess you guys want to be cold and heartless during this COVID pandemic. I hold multiple synchrony accounts and to be tossed like trash is not cool. I am on the phone right now with a representative and they even said I had a good payment history and don't understand. They charge late fees and that isn't sufficient enough. They punish the customer and shut the account out completely. They said they could not reopen the account. I would need to reapply. I told them I would never reconsider reapplying with them. I may go ahead a shut out my other accounts with them. I despise Synchrony Bank and do not trust them to meet my financial needs. The representative likes to talk over you. I wouldn't let her. You close the account out so you should listen to what I have to say. I see the reviews online and they did a lot of people like this. I just want this noted with CFPB so others will see they are not the only ones who they treat bad like this.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Signed up for Auto-Debit in XX/XX/ on my student loans that were transferred from MyGreatLakes to Nelnet. This was reflected in my account, and showed upcoming payments for all my loans. When the first due date came around, the auto debit did not trigger, and they have levied a late fee on top of the past due amount. Unable to reach customer service due to inordinate wait times and disconnects.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

this account is still on my report and being wrongfully updated by experian XXXX and XXXX  the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXXXX/XX/XXXX Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX