davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
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: MiraMed Revenue Group LLC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX {$1000.00} Original date of service : XX/XX/18 Sold to Miramed Revenue Group I went to the my Doctor 's office for something that should not have been sent to a lab for results. I was not aware of this cost of {$1000.00} or I would not have consented to the lab work being done. In the past I was treated with a prescription, but this particular nurse practitioner had repeatedly wanted to send things to the lab. 

I got the bill and called the Doctors office. They told me it was just too bad, & my responsibility to pay it. 

The results even indicated that all I needed was a prescription to remedy the problem.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

We were victims of debit card fraud threes times. The first time our bank Capitol One refunded our money. The second two times they did not. We disputed this with their fraud department and they will not credit the amounts back to our account. The second time it happened we filed a police report because this happened at the same gas station we frequent. The last time this happened was on Sunday, XX/XX/XXXX. I received a text asking if I debited {$39.00}. This charge was made in Maryland and we live in New York. Obviously, if I texted them back from New York then it wasn't me using the card in Maryland.

They have proved to be shady, careless with customer accounts, and not to be trusted.So far, we have lost {$100.00} of our hard-earned money to them. We want our money back.

As a result, we have cancelled our debit cards, and withdrew all of our money from Capitol One Bank. We were loyal customers for over twenty -five years.
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I filed complained against XXXX XXXX  for below situation. Now They said they have been asking Chase to send Hold Harmless Letter in order to process refund to me but now Chase is not doing anything. I called Chase multiple times and each time they bounce my call around from one department to another over 2 hours and either hang up my call or put me on hold over and hour and never came back.

I want Chase to communicate with Risk Manager at XXXX XXXX  to get my money back to my account ASAP! 

$ XXXX was wired from my Chase bank account on XX/XX/XXXX but other party has not been withdrawn. The request for the refund has been rejected by the recipient bank and I need legal help. ************************************************************************** Bank money was sent from : Chase Name of the account : XXXX XXXX Amount : {$10000.00} ( XXXX XXXX XXXX ) Wired date : XX/XX/2023 Bank money was sent : XXXX XXXX Recipient Account Name : XXXX XXXX XXXX XXXX XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number # XXXX Bank Name : XXXX XXXX Receiving Bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND EQUIFAX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.
Consumer complaint received 2020-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 Equifax received a letter from me disputing a XXXX XXXX XXXX collections account listed on my credit report. I had previously submitted disputes to Equifax regarding this account in which they responded with this account as " verified ''. I followed up on this account and disputed it via mail directly with the collections agency however I did not receive a response and noticed that the address the collections agency has listed on my credit is inaccurate. According to the FCRA all information reporting on my credit reports must be accurate, verifiable and report timely. 

In my dispute that Equifax received on XX/XX/2020 I disputed the collections account again and cited the collections agency incorrect address information reporting on my credit report as well as the fact that I sent a debt validation request for this account to the collections agency directly and did not receive a response at all from them- which is illegal under the FCRA. Along with my dispute to Equifax, I attached 2 copies of my Identification which verified my personal information and address, 1 copy of the usps tracking information which showed that the address they are reporting on my credit report is incorrect and a copy of my credit report with the collections agency information that is reporting. 

On XX/XX/XXXX, I received a stall letter from Equifax saying that they were unable to locate my credit file and requesting additional forms of identification. This tactic is not appropriate at all, stalling affords Equifax additional time to investigate my dispute which is unfair to me. I submitted all documents including my ID with my dispute, Equifax is in clear violation of the FCRA. Equifax has not used reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further which is adversely impacting my credit history, credit score and ability to obtain further credit.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MA)

Dear Team, I have been attempting to obtain a payoff demand letter from CitiMortgage. They claim this is currently in their Centralized Recovery Department. Originally, they kept transferring me to XXXX who originally was the service provider on this loan but they are no longer involved. They told me to contact CitiMortgage. Also, a representative in CitiMortgage, told me recovery will need to assist me. 

I sent faxes but the phone line is not manned and I can understand due to COVID-19 but the email the representative provided me bounced back. 

I need a payment demand letter so I can pay CitiMortgage. I am selling my house and we were supposed to close this week but Citi has been completely unresponsive. Even reps have been hanging up on me, transferring me back to XXXX  when I tell them, they can't help me. 

I simply want to pay CITIMORTGAGE to move forward or I'm going to lose this opportunity to sell my home. 

Please contact me with any questions at XXXX or email at : XXXX My loan with CITI is : XXXX -- as I mentioned, the rep will think it's with XXXX  but it's not. 

Thank you for any assistance you can provide. 

XXXX XXXX
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I had two phones and I had all my bank information in both phones. from XX/XX/XXXX until XX/XX/XXXX they took the money from my bank account and transferred it to my XXXX XXXX {$6100.00} disappeared from my bank account. And I noticed that I had lost my XXXX  phone and someone had stolen it from me. I called the bank to explain my situation to them but the bank did nothing. I insisted again after days they blocked my card there. They returned the stolen money to me. After their investigation they recovered this money saying that they did not find the culprit. They can't do anything for me. I contact a lawyer, I explain the problem to him. my lawyer sends them a letter but they tell me that this complaint was already closed and that they did not receive the letter from my lawyer
Consumer complaint received 2020-06-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged interest for {$15.00} from Capital one quicksilver card. I am using the card for 5 months with it's promised 0 % APR for 15 months. I find it unfair to be charged interest and this is my assumption that I need to complain against the company.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2020-06-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I started receiving alerts from Experian and XXXX that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, XXXX, Experian has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.
Consumer complaint received 2020-04-14
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. (IL)

My problem is with Equifax credit agency, I have on numerous times reached out to them explain am a victim of identity theft and sent the affidavit from the FTC still they will not remove these negative accounts. I have asked them to send me a copy f the contract, still nothing just them saying it's been verified, really how, give me proof so I can go to court and show the courts. still nothing. The negative accounts reporting on my Equifax account are XXXX XXXX XXXX 's XXXX XXXX XXXX they are inaccurate and is affecting me mentally and emotionally.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (MA)

This happened on XX/XX/23 once for XXXX dollars, it also happened on XX/XX/23 for XXXX, XXXX, and XXXX several times when my credit card was charged from XXXX XXXX mobile. I tryed to reach out to XXXX but got nowere because im i dont know what these google charges were from. I do have a XXXX account that i use only to back up my photos i checked my XXXX account and i did not see any of these transactions in my account such as subscritions or play store purchases.When i looked up the merchant XXXX XXXX mobile i saw similar complaints about unautherized purchases, i tryed to contact them about the purchases and got nowere. I had contacted my bank write when i saw these purchases, i am always checking my balance because this is my income card for XXXX for my rent and other bills monthly. I had just recieved my first child survivor bennifit days before of XXXX dollars so i new that i had money on my card. I was watching a movie at my moms house that weekend because every weekend i spend at my moms with my son to do laundry.So we had watched the movie and i decided to order some doordash for dinner, tryed to place my order several times and my card would not go through. i was confused so i checked my bank card app and my balance was XXXX dollars and then i saw all the pending purchases from XXXX XXXX mobile.I immeditly called my bank card to disput these unknown charges that i did not authorize.the women on the phone was like oh my got there are so many charges. so i was sure they were going to help.They did not after about a week i got the paperwork saying the denied my disput.They said the transactions were not unauthorized that i must have made them. I was very upset at this point so called them back because they didnt even give me a option to apeal the decision, they told me to email them an apeal letter and i did. Never heard a thing back, so i called again they siad my case was closed and that i needed proof i was in jail or the hospital at the time, i was confused. I called legal services they said to try attorny general they said to try consumer finacial protection. I just want my money back i did not make those transactions. I dont think that the people on the phone at direct express were trying to help me.I have had to disput a transaction before and did not have a problem, i thought i had a right to my own money. ther were about XXXX transactions in all some were XXXX, XXXX, and XXXX all from XXXX XXXX mobile.I dont want this to happen again that was alot of money that was taken off my card and i want this resolved. it was my sons survivor bennifits i dont undrestand. I dont have any proof of anything because i dont even know what XXXX XXXX XXXX is. i Looked them up but i am still confused why i would drain my own account and leave me and my son broke for the rest of that month.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account. 

JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS. 

This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have an FHA loan with XXXX XXXX. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit reports.
Consumer complaint received 2020-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Im contacting you about a debt collector by the name of Wakefield and Associates that could be potentially harassing me. I took a look at my credit report and saw that this company had said that I owe them money on two collection accounts, one for {$540.00} and another for {$200.00} something. I disputed them both because I always pay everything on time and I would never not pay something I owe. Only the {$200.00} something account was removed from my credit report so I decided to call Wakefield and Associates to see what this was about. They told me that it was for some type of medical visit and that I still owed them the money for both accounts even though one of them was successfully disputed. In total they wanted close to {$1000.00}. I explained to them that I always have insurance when going to the doctor and that the other account was disputed. I told them that I wanted to pay the {$540.00} account that was on my credit report just so I could have this all be over with. They tried to trick me by agreeing and then tried to get me to pay over the phone. I told them that I would not pay anything until I got it in writing or email. When they sent me a link to pay off the account, I saw that they were still trying to charge me {$1000.00} for both accounts and if I had continued over the phone they would have charged me the {$1000.00}. Very deceitful. Id like some information on what I can do as technically I dont owe anyone a single cent. They keep calling my phone and sending letters in the mail. I have been laid off from my work so money is very scarce for me right now. Any help would be greatly appreciated. Thank you and have a good day.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Self Lender Inc (FL)

i paid them off in XX/XX/2020 and they are not givng me back the 1rst loan i took out of a credit builder cd and now their threating to hold all my funds and not pay. at this time i paid over XXXX dollars in interest and fees and now they holding my funds hostage i send them my id and they still dammand more and mroe as they rack up internist payments and not giving em a dime. XXXX XXXX aka XXXX XXXX is committing fraud and imbeselment. here is the off the cuff email they sent me " If you close the account without sending the documents the payout will be frozen. Please confirm you want to close the card. '' Please let me know if you have any questions. 

Best,