davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Recovery Associates, Inc. (WI)

Eagle Recovery Associates , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. Eagle Recovery Associates in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.
Consumer complaint received 2022-02-08
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. (TX)

I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-29
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. (SC)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-03-15
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)

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-29
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. (MI)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

On XX/XX/XXXX my chime bank account was hacked into and over {$2000.00} was stolen from me I have filed a dispute twice and it has been denied both time. I have also filed a police report. But they refuse to give me my money back or take responsibility for what happened.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Over the course of the dates ranging from XX/XX/XXXX to XX/XX/XXXX, I have had a series of fraudulent ACH debits to my Chase Business Checking account.   This began with a dozen very small charges for less than a dollar starting XXXX XXXX XXXX2.   I brought this to my banks attention that same month and since the small charges were reimbursed they were not concerned.  I do not use this account often since it is a secondary business account for me.  It has only come to my attention on XXXX XXXX XXXX XXXX  that there were in fact many fraudulent ACH charges that went through over time.   I filed a fraud claim the next day.  Chase refuses to refund all of the amounts.  I spoke with the fraud department again today.  They claim that they are only liable for 30 days and place the blame on me for not catching it earlier. I find that ridiculous since they control the security of my account.  I don't use checks with this account, so can't conceive of how my account and routing info got out into the world.  

I've been a Chase bank member for close to 20 years and have move quite a bit through my accounts over time and have never filed any sort of claim before.  I find the handling of my case to be despicable.  

The charges in question are as follows: 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

Chase responded by reimbursing only the following charges:

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

Requested ~ {$21000.00} payment refund from EdFinancial on the end of XXXX to refund some funds prior to forgiveness in order to maximize the plan put in place by Biden. I qualify for XXXX XXXX forgiveness. 

*Was told by the representative that the processing time of the refund has no time frame and they cant check on my refund being processed This may land the refund after the possible forgiveness timeline and me not being able to maximize the Biden forgiveness plan making it to where other debts then cant be paid. 

* Also, I will not be receiving any confirmations, so I have to call to check up on it. Also it does not reflect that i have even requested a refund of the XXXX I paid in full.
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Since XX/XX/2019, I filed for borrows assistance with ROUNDPOINT MORTGAGE COMPANY. I have filed and gotten nowhere. I have spoken to several phone representatives, and I keep being asked to re-send the same documents over and over again and it is now XXXX and I am in jeopardy of loosing my home. I am trying to get the mortgage modified due to the fact my husband is on XXXX now since purchasing the home. I am in tears due to the fact I feel this company is not trying to acknowledge my application by sending me in circles. Today, I had a HUD counseling ( works for XXXX  ) reach out on my behalf to Loss Mitigation for RoundPoint and He was disconnected twice and told me I should immediately file this complaint due to the lack of professionalism. If needed I have all the email correspondence to show. I have the original application as well as all the times I have corrected what they claim to be wrong each time and still no assistance. Please reach out if documented proof is needed. I desperately want to keep my home, we can make payments now that his XXXX has started ... .. just cant make large amounts to catch up From when pay stopped this summer. I filed for assistance during our first defaulted month ( XXXX ) and still no help or word on application and its now XXXX. All i get is an automated message stating that I still have missing documents
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TD BANK US HOLDING COMPANY (TN)

I requested the original documents in connection to this debt with TD BANK, NA. They repossessed my car on XX/XX/XXXX, sold it around XX/XX/XXXX, and since then has sold debt to XXXX XXXX XXXX XXXX, but TD BANK, NA is still reporting to my credit report monthly and adding increases but has failed to send me any of the information I've requested. I sent the request for information on XX/XX/XXXX, it was sent certified mail, delivered and signed for on XX/XX/XXXX according to the return receipt that I received back.
Consumer complaint received 2023-11-29
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

On or about XX/XX/XXXX  someone hacked into my XXXX account and posted XXXX seller listings that generated over {$5000.00} in sellers insertion fees. XXXX recognized the fraud and credited all but {$660.00} in fees to my account for this fraudulent activity. Despite repeatedly asking for the {$660.00} to be credited back to my XXXX account, XXXX failed to do so and an agent at XXXX told me on the phone to just file a dispute with my credit card company reporting the identity theft and fraud, and it should be no problem in getting credited back the funds. On XX/XX/XXXX  the {$660.00} charge appeared on my statement and I immediately contacted Barclays to dispute it on the basis of identity theft and fraud. At that time a temporary credit was issued and I received a letter confirming account closure due to suspicious activity. I received no further correspondence from Barclays until on or about XX/XX/, when I received a letter dated XX/XX/XXXX  stating that the matter had been resolved in my favor : ... '' after conducting our investigation, we have determined that you are NOT [ emphasis added ] responsible for the reported fraudulent activity ... '' Notwithstanding that, on XX/XX/XXXX  I was shocked and chagrined to find that despite the foregoing, my Barclays credit card was again charged the very {$660.00} that I was told I was not responsible for! I called Barclays customer service on XX/XX/XXXX  to see if such an obvious mistake could be immediately rectified, but the representative simply stated she would re-open the dispute and assigned me a case number. She requested I fax a copy of the very letter dated XX/XX/XXXX  that exonerated me, ( which clearly Barclays should have already had as they authored it ) along with information about law enforcement agencies I had reported the matter to. There was no immediate resolution in my favor as I had expected given the letter I had received. However, in the spirit of cooperation, I did provide fax to Barclays the requested information that same evening on XX/XX/XXXX and also followed up with a copy of the same correspondence by U.S. mail with a tracking number.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

On XX/XX/2023, I mailed a dispute to clarity credit services. I then called on or about XX/XX/XXXX and they told me they were still working on it. I have yet to get any confirmation that anything was done or worked on. Im getting a little frustrated because I cant get a response.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

CREDIT REPORTING AGENCIES- XXXX XXXX AND EQUIFAX Please be advised that this is third WRITTEN REQUEST and FINAL WARNING that full intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance Despite my previous 11 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You stated in your responses to my 11 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after eleven written requests is also evidence of your willful disregard of Federal Law When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the court will order you to delete them. 
You say that you have reinvestigated these accounts but youve admitted that all you have done Is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). also asked you for the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' I request that you do this The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and full intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX service Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (OH)

An apartment company, XXXX XXXX falsely reported that I owed them over {$15000.00} for a couple of months of rent after they were NOT granted an eviction against me and my XXXX children. They refused rental assistance and claimed they did NOT receive the payment when I paid them in person. I have copies of the money orders that I paid them, equalling a little over {$5000.00}. After the eviction was NOT granted, I agreed to move out for my children 's and my mental health, as it was clear we were NOT wanted at this apartment community any longer. They did NOT serve a set-out. When the deputy came as I was finishing moving our things, he told me to stop cleaning, I wouldn't be charged for anything remaining in the unit, and they would NOT charge me any extra cleaning fees. During this period, they towed my car and put it into impound, without providing any information on how to find my only vehicle, which resulted in my baby being unable to attend his neurosurgery appointments for almost a year - and then put over {$15000.00} on my credit claiming excessive cleaning fees and supposed fecal matter on the walls and quoted cleaning for a biohazard. I'm assuming this was done in direct response to the company being aware of my children being XXXX ... .but it is a nXXXX XXXX XXXX for my XXXX XXXX XXXX child, at the time and not anything that would result in any type of behavior they claimed. This seemed as if they were discriminating based on preconceived notions of those who are disabled. And, to follow up, I took photos and videos of the apartment conditions upon move out and everything claimed was NOT present in the photos and videos that I took at the moment of moving out. If anything, there was a mark of *watercolor paint* my older XXXX children ( both under the age of XXXX ) left on the wall, which I was advised NOT to clean by the deputy. This {$15000.00} was reported directly on my credit report AND reported on my tenant screening report, resulting in my now, XXXX XXXX children, XXXX XXXX XXXX, and I being homeless for the past XXXX years. This complex was also aware of us being XXXX XXXX XXXX as we used the XXXX XXXX to relocate to this unit after we escaped being held XXXX, in which a XXXX protection order was granted against this individual who was our abuser. I was only XXXX at the time and am now XXXX, without any family support and housing. The Debt Collector now in control of this account is called National Credit Systems and they refuse to accept any information, including court orders from this account to remove it from my consumer tenant report and my public record, despite no money being awarded, no proof of me owing this and talked over me on the phone claiming they can't tell me that I owe it.
Consumer complaint received 2023-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

The outstanding balance on the card was paid on XX/XX/2023. On XX/XX/2023, almost XXXX XXXX later, the payment reversed and {XXXX} was re-applied to the outstanding balance owed. This account is now reporting that I am XXXX XXXX over the credit limit. 

This has caused a huge negative impact on my financial well-being, caused an unreasonable increase in fees and finance charges and is a defamation of my character overall. 

As defined in XXXX XXXX XXXX XXXX and XXXX, there is abundant evidence of the use of deceptive and/or unfair debt collection practices. There has been use of false, deceptive, or misleading representation/means in connection with the collection of this debt.