davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I ordered a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX, Proof, from Amazon. I was expecting it to be delivered on XX/XX/2023, at XXXX XXXX. Unfortunately, the item was delivered a day late, on XX/XX/XXXX, and it was delivered to the wrong address. I contacted Amazon immediately on XX/XX/2023, and I spoke to an agent named XXXX. He confirmed that he had requested a refund to my original payment method, and I should receive the refund within XXXX business days for credit cards or XXXX business days for debit cards. However, I did not receive the refund after 10 days. Despite contacting Amazon in good faith, I had to file a chargeback on XX/XX/2023. On XX/XX/2023, Chase reversed my chargeback claim. I contacted Amazon again on XX/XX/2023, and spoke to an agent named XXXX. She informed me that my bank, Chase, had declined the refund of {$110.00}. I need help in getting this refund.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently noticed an error on my credit report regarding my XXXX  loans. The report inaccurately states that a payment was late, despite my records indicating otherwise. I have the necessary documentation to support my timely payments and plan to dispute this discrepancy with the credit reporting agency to rectify the mistake promptly.
Consumer complaint received 2023-12-11
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. (GA)

An ex employee/ business partner XXXX XXXX XXXX XXXX ( PII ) personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union had restricted my use of debit card services. This has effectively disabled my debit cards, and ability to use XXXX. The credit union did this without notifying me of any potential disadvantages that could occur when submitting dispute claims. I've been a member of the credit union for six years, and never have I experienced this action taken against me. Furthermore, I use XXXX weekly to pay for some of my expenses such as rent. This restriction has prevented me from submitting payment for the month of XXXX, and now I am at risk for eviction due to their actions. In addition to this, I was actively enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and one of my checking accounts is currently in overdraft. Without full use of my debit card, I am unable to submit payment to this account. I often use XXXX, XXXX, and XXXX to deposit money into that debit card/checking account. Without full use of the debit card, I do not have any other option to satisfy the overdraft debt. The credit union only allows 30 days for accounts to be in overdrawn status, otherwise they will charge off the account. This is completely unethical, as this restriction is not referred to neither mentioned in the debit card disclosure, and the credit union has not even provided me a letter to warn me before making this restriction. I had also submitted an ACH transfer for payment to my landlord, however, because the credit union restricted my account, the transfer was reversed and I received {$75.00} NSF from my landlord, and the credit union charged me {$29.00} for reversal fee. This is unpractical, and the representatives have not done anything about my complaint.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (NY)

My XXXX XXXX account was wrongfully removed from my report at the beginning of XXXX, despite being open and in good standing. I am an authorized user on my moms XXXX XXXXXXXX XXXX, in order to boost my credit score, due to her impeccable payment history combined with an aged account and a high credit limit. No changes were made to the account - I verified this information with XXXX XXXX personally - who stated that I am still an active authorized user on the account and they have no idea why it would be taken off, as they have reported it correctly to the credit bureaus. I have tried to dispute this with experian, but their dispute process only lets you click on items that exist on your report individually and then amend the incorrect information. Because this item was removed from my report altogether, I can not dispute it using their dispute center. They also dont accept disputes via phone anymore. 

The removal of this account has made my credit score tank about XXXX points overnight, and has reduced my credit history by 8 years, and proven to be very detrimental to my financial health and goals. Please help me rectify this issue ASAP. 

I attached a copy of my credit report from XXXX, in addition to XXXX screenshots from myXXXX from XX/XX/XXXX ; all showing the account i am referring to in good standing and active.
Consumer complaint received 2017-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (KS)

I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting UNAUTHORIZED INQUIRIES on my Credit Report. 

XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I requested a 1099C form from Capital One in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. Capital One states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau XXXX they stated that the Capital One account number and the account number written on the 1099C form are different. So with that being said either Capital One did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (FL)

I was contacted in XXXX about a debt to a company called CKS. I had a problem with this company about 3 years ago regarding a debt. They appeared on my credit report. I had no idea who they were fought to get them finally removed from my report in XXXX. No communication was made by them to me at any point to resolve this. No payment option. No verification or anything. They just appeared on my credit report. 

In XXXX of XXXX I was served at my house by a cop. Not a process server. That seemed to be some sort of intimidation tactic. The cop had no idea what the document was about. Once I opened it and saw it was the same CKS from a few years back. I immediately wrote to the local clerk of courts and to the. Law firm for CKS to explain that the debt was not made and to provide verification of the debt. 

There was no case number, my name was typed wrong, and the address was wrong. The documents they provided showed some sort of debt. It looked legit, but I have no idea. But it no way did it show it was mine. Some random numbers and letters that could have easily been typed up as fraud. I requested to receive the verification within 30 days. I never got it. Never heard from them. I considered the case close. 

Fast forward to XXXX of this year. I received another document from the same law firm about this case. This time with a case number as part of a law suit. Again, no communication to reach out to me to verify or go over options. Just straight to lawsuit. I again sent a debt verification letter. I called the law firm on the document and they said they could not comment on this. 

I never received that request either. I never heard from anyone. I decided to look on the clerk of court website to see if there was any information about this case since I have not heard from anyone. Under the case, it looks like they have been filing motions and moving to final judgement. How could that be if I never heard back from someone. And I never got the verification of the debt. 

This company remains off of my credit report. Theyve done one shady thing after another. Theyve completely ignored my request. Theyve completely ignored the fact that I am the victim of identity theft. If this debt is even real, my guess is that has something to do with it. 

If this is some old debt that i forgot about. That is from a company that changed names multiple times then that should be explained too. Id be more than happy to set up an affordable payment plan if that is the case. However, I would still need complete documents of where this debt came from. How old is it. Is it past the statute of limitations on collection. But I dont believe that is the case. This is either fraud/ID theft, they have the wrong person, or this debt is simply not real. 

I am asking CKs Invesment and O @ L law firm to provide the information I am requesting. If they can not provide that, then I am going to assume they dont actually have proof that the debt is mine and the case close.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (NJ)

Hello, I requested a method of verification from Equifax for the dispute investigation results for XXXX XXXX  confirmation number # XXXX dated XXXX, and the dispute investigation result for XXXX XXXX confirmation number # XXXX dated XXXX. 

The attached letters are dated XXXX and was sent certified receipt mail, in which Equifax received XXXX per the attached tracking records. Per my attached method of verification request I was very specific of my request. 

According to many federal laws, such as FCRA and 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) 1. A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency And ; 15 U.S. Code 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I have yet what was requested in my attached request, it has passed the 15 day mark allotted by law. Equifax in now in noncompliance with federal regulation made to protect consumers.
Consumer complaint received 2023-12-11
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2017-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I was behind 1 month when Hurricane Irma hit and business income tanked. I called Loan Care to see if they could offer any assistance and they provided that they would put a hold on all late payment fees and negative reporting to the credit bureaus for 90 days; however, they continued to robocall me everyday and send loss mitigation letters to my home while I remain behind on my payments, which is now 3 months in XXXX. My complaint stems from them charging me an inspection fee of $XXXX every month I do not pay even though I made it clear to them that I intend to keep the house and make payments as soon as my income recovers from the hurricane. I do not agree with having to pay for a service that only benefits the mortgage company. If they want to ensure that the home's value is not below the debt balance they can pay for that service as a cost of doing business. I would understand the charges if I failed to communicate with the servicer and did not inform them of my situation and intent to make my payments in the near future; however, they also do not accept partial payments making it more difficult to accumulate enough income before other costs can eat up my funds. While other creditors defer or offer to skip payments, Loan Care really does not offer any real assistance to those affected by the hurricanes. Considering that mortgage companies have their loans secured by homes, it makes no sense why they cannot offer better assistance or consideration.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-06
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: Aldous & Associates, PLLC (AL)

I was trying to get a personal loan to consolidate my credit card debt and I was denied because of the damages on my report According to 15 USC1681 LAW there should not be any damages. This is a defamation of character.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2017-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (CA)

As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. 
To reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! 
This is part of XXXX 's response : " We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such " signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! 
Let 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. 
My point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! 
IT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (GA)

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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.