davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX and XX/XX/XXXX, I called Chase multiple times regarding a charge on my account from a merchant that I should have been protected from - that's a separate complaint. During two separate phone calls, I communicated clearly that I wanted to close my Chase Sapphire card as a result of their inability to fix the situation mentioned above. They did not close the account and charged me the annual membership fee of {$550.00} on XX/XX/XXXX ( of which they deducted {$100.00} ). I did not notice this charge because I set up automatic payments for the card and have not used it since my conversation about closing the account on XX/XX/XXXX and XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I wanted to use my IRS stimulus check to pay off a portion of my card, but was not able to log in to the online portal to do so. I didn't have my credit card number ( because I had understood that the account was closed ) and thus couldn't reset my password. I was told during this call that my account was not closed, and that I had been charged the membership fee this year, and that I could not get that fee refunded even though their failure to close my account was not on me. 

I was told that the call was being recorded for quality assurance purposes, and at this point I said I was also recording the call. When I said this, the supervisor on the phone said I did not have permission to do so and I told him that I would then delete the recording ( and did ). However, all calls I have made to Chase have been recorded for quality assurance purposes ( although based on previous issues with the card, they seem to be unable to locate those recordings quite often ), so I believe that it should be possible to obtain recordings of these phone calls on XX/XX/XXXX and XX/XX/XXXX in which I clearly stated that I wanted to close my account and cancel my card. You can verify that I have not attempted to use the card for any purchases since prior to XX/XX/XXXX, which I hope will corroborate my story in case Chase is unable to locate the records of these phone calls. 

As of today ( XXXX ), Chase confirmed XXXX finally ) that all accounts I have with them are closed, but as stated, they refused to refund me the membership fee. Attached is a document from XX/XX/XXXX proving that we spoke on that day ( thus recordings should be available ), my XX/XX/XXXX statement with the aforementioned {$550.00} fee ( readjusted to {$450.00} ), and a summary of account activity since XX/XX/XXXX. 

I am reaching out to the CFPB in the hopes of getting that membership fee refunded. I feel very completely taken advantage of by Chase Sapphire ( and not for the first time ). I have strong credit, make my payments on time every month, and have generally been a good customer.
Consumer complaint received 2021-03-18
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: Bread Financial Holdings, Inc. (TX)

I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, Comenity Bank sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on XXXX XXXX for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX account [ XXXX  XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance
Consumer complaint received 2021-03-18
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: Concentric Receivables Management, Ltd. (TX)

I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( XXXX XXXX/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( Concentric receivables Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXX XXXX sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on Concentric Receivables for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX Concentric Receivables responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AE)

While reviewing my credit report with our military financial advisor, I was informed that Amsher Collection placed a entry on my credit report from XXXX XXXX. However, I was living in government housing ( military housing ) and when you XXXX ( move to a new duty station ) they verify if all utilities were paid including cable. Thus confirming the debt is invalid.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (AZ)

account re added the same XXXX  account to my collection with out a XXXX  day reinsertion notice, by a new debt collector was with XXXX now with Afni, XXXX reported I owe {$190.00} Now Afni report I owe {$190.00}.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-18
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. (CA)

I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MN)

XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX  who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I need expedited removal of the account that has been re-aged on my credit report. The Date of First Delinquency field on previous reports contained an incorrect date and I disputed this date over and over again with both the CRA and the Furnisher and it was never corrected, always verified as accurate. Now the Date of First Delinquency field is blank, showing no date at all. This date is important in order to calculate the 7 years for the account to be removed. Please note : Per the complaint instructions, attachment does not include my personal identifying documents. 

Company Involved : Equifax Information Services, LLC ( CRA ) Company Involved : XXXX XXXX XXXX/DEPT OF EDU ( Furnisher )
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

Enhanced Recovery Co has placed a collection item on my credit report. This debt does not belong to me. I have never received any written or verbal communication from ERC nor have they responded to my repeated requests asking to validate the debt. I have sent them a total of three letters to date, each being completely ignored. The account is showing as XXXX for {$1800.00}. The company refuses to validate or remove the account from my credit reports. I have tried filing disputes with the credit bureaus but ERC claims to them that the debt is valid ( with no proof submitted - EVER ).
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Infiniti sent an erroneous report to XXXX damaging my credit from XXXX  
to the XXXXeven after they received payment. They are refusing to correct. I had automatic payments set for this account but for some reason this stopped working since XX/XX/XXXX. Infiniti was calling the wrong number and I didn't realized this was happening until XX/XX/XXXX when I noticed they had reported late payments dropping my credit score to the XXXX 's. I immediately call Infiniti Financial Services and told their representative I will pay all that I was behind and the current payment owed for this month right away. This was paid XX/XX/XXXX, they confirmed payment XX/XX/XXXX. This account was paid in advance to XXXX XXXX. However, they sent another Report to XXXX  XX/XX/XXXX after I paid which indicated I had not pay them. That report was false and incorrect! I called to report their mistake and they are unwilling to correct their mistake stating it is up to me to do that not up to them. I have never in my life have been late on any payment and they should had make sure I was notified of the problem prior to damaging my credit. The Infiniti Dealership claims I provided those numbers in my credit
application, but the application was filled by their Representative and they never furnished me a copy of the loan contract so I could have the opportunity to correct their mistake.

Please contact me at ( XXXX ) XXXX or XXXX if you need additional information. I appreciate your assistance.
Consumer complaint received 2021-03-17
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. (AL)

On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have filed several reports including contacting other regulators such as SEC, OIG, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I currently have a credit card with Bank of America and they are refusing to refund me money for a flight that was cancelled by airline due to covid. I have called the merchant and bank on various occasions and the bank said that my funds are being held because it is under review. I started the claim in XXXX of XXXX and they are not able to provide me with a resolution or able to give me a date of when I will get the funds returned. 

I would like to note that I dont have any outstanding balances on the card and all my payments are current.
Consumer complaint received 2021-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

I checked my credit and saw an account for Wakefield & Associates for XXXX XXXX, XXXX. I have no idea what XXXX XXXX is I XXXX them and saw they were a medical billing. The fact they disclosed my medical record ( yes my bill is a medical record ) to Wakefield without me signing a medical release is a HIPAA violation. Not only that, I had already told the hospital I was homeless and needed financial assistance because I did not have medical insurance. I even completed the financial assistance forms at the hospital. I am not sure if the hospital works with XXXX but I never received any mail from them for any medical bills nor did I ever receive the right to dispute.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (IL)

ERC is reporting {$670.00} is owed to them, with an original account balance from XXXX. 
I called ERC on XX/XX/2020 at XXXX AM to get more information. They informed me they do not have an account there for me and that it was closed XXXX. Then I called XXXX at XXXX on XX/XX/2020 and they told me they can't access any accounts on/for me. Both companies put the blame on the other and were not helpful in giving me any information on how to get this removed.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.
Consumer complaint received 2021-03-18
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: Experian Information Solutions Inc. (CA)

On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

My bank account was hacked online on XX/XX/XXXX and quite a sum of money ( over {$1000.00} XXXX was taken. There were funds taken from my debit and my credit accounts. I DID NOT approve the transactions in the least. There were fraudulent charges through XXXX on my credit card and through XXXX on my debit card. The funds went to people I DO NOT know and through means that I didn't even have access too. I didn't even have a XXXX account. I obviously shut off my cards and filed fraud reports and police reports. As of today, XX/XX/XXXX, over XXXX months later I have still not received any funds back and am still having to fight the bank that the charges were fraudulent. I call them on a daily basis and get nowhere. I have asked for a supervisor on several occasions and either get they aren't available or they will call you back. I, of course, never get a call back. I get hung up on more often than I talk to a person. This is extremely rude and they are not putting the consumer first. I have done nothing wrong but yet feel as though I am being punished. BBT is not doing their part at all. I have any kind of proof you may need when it is requested. Any other financial institution would have had the money replaced within a week. This is beyond ridiculous and I do not know what else to do. Please help me get these funds replaced. We are in a pandemic and losing this kind of money makes it very difficult to provide for myself and my family.
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (IL)

First Source Advantage LLC continues to call me in attempts to reach someone. I am not the person they are attempting to reach and I've let them know that several times. I've asked for my number to be removed from call lists but it seems as if it hasn't been done. I have notes that I've spoken with XXXX XXXX ( date not recorded ) and XXXX XXXX XXXX ( XX/XX/20 ). Further, when I called their corporate office in NY ( XXXX ) to try and fix this problem, they told me they wouldn't do anything to assist me since it was another office that was contacting me. I found that answer completely lacking in professionalism and had no compassion for a bystander in their company 's practices.