davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (VA)

I was in the United States XXXX and applied for a NEX credit card to shop at the Exchange. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. 
These various companies added more than {$12000.00} to the original amount and the current Collection Agency - XXXX XXXX XXXX XXXX filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. 
Please help me checkmate this company.
Consumer complaint received 2020-08-16
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: NAVY FEDERAL CREDIT UNION (VA)

Navy Fed reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with Navy Federal all in good standing so I know its a minor mishap in there part.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$670.00}. And {$960.00} Account # XXXX. I did not make or authorize this charge. 
I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. 
Disputed Account # XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX. 
Total Amount Claiming : {$670.00} and {$960.00}
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I am writing to express my profound concern and dissatisfaction with JPMorgan Chases recent policy changes regarding the checking account fees, which I believe disproportionately impact economically disadvantaged customers. This policy not only undermines financial inclusivity but also exacerbates the economic challenges faced by the lower-income demographics.

It has come to my attention that Chase has decided to double the fees associated with maintaining a basic checking account. This decision is particularly disheartening and appears to be profoundly unjust, as it targets those least able to afford such increases. While any fee hike is a burden, doubling them in a single policy update is both severe and unreasonable. It is essential to recognize that for many individuals, a checking account is not a luxury but a necessity for managing their personal finances, receiving income, and paying bills. 

Furthermore, it is troubling to perceive that the additional revenue generated from these increased fees on basic checking accounts is contributing to a cycle of wealth accumulation at the very top, enabling a lifestyle of extreme luxury, such as yacht ownership, for the wealthiest individuals. This stark contrast in lifestyle opportunities, seemingly funded by those at the bottom of the economic ladder, is morally unsettling and paints a picture of a banking system that favors the rich at the expense of the poor. It prompts the frustrated outcry among many : " eat the rich. '' In light of these points, I urge Chase to reconsider this approach and seek ways to structure its fee strategies in a manner that does not disproportionately impact its most vulnerable customers. Adopting a more progressive fee structure or providing more robust waivers for low-income individuals could be potential solutions. It is crucial for Chase to align its business practices with principles of fairness and social responsibility, particularly in these challenging economic times.

Thank you for considering this critical issue. I look forward to your response and to seeing how Chase plans to address these concerns moving forward.
Consumer complaint received 2023-05-13
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. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX, I have had some issues with unknown addresses on my credit file. My SS is XXXX, my DOB is XX/XX/XXXX. I have some misspelling of my name on file that are not accurate ( please remove XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). The following addresses are not mine ,XXXX XXXX XXXX, XXXX OH, XXXX XXXX XXXX, XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX OH, XXXX. 
I have unknown inquires from the following companies : XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-08-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (WA)

XXXX XXXX on Friday XX/XX/20 an attempt to contact someone who does not live in my household, to collect a debt was attempted. They left a message. I researched who they were : Navient. I blocked them, as they called two more times. Once on XX/XX/20 leaving a message on Thursday, saying they're trying to get ahold of someone NOT living in my household, in attempt to collect a debt I save this message. 

After having blocked them, they called me on another number : XXXX, again at XXXX XXXX. Very early. My husband works until late at night. 

I attempted, and succeeded calling this number and was greeted with : Hello, is this XXXX ( Last name withheld for privacy )? I informed the lady it was illegal to attempt to collect a debt from someone who's debt is not me, and to stop contacting me. I expressed how upset I was, and I asked if they understood not to contact me again, or I will take action. I informed them that this was the second year in a row, that they have attempted to collect a debt FROM ME, or get personal information FROM ME about someone who is NOT ME, to collect a debt. This is now harassment to me. I do not want them to contact me, ever again in any way, shape or form. I have made this clear to this company, as they claim they record conversations, they have it on record, that I have told them. I am very upset by their constant harassment. PLEASE help to get them to stop. 

This is not my debt and I am highly upset by this, I was shaking so bad trying to express to this lady how upset I was, and sick of them calling me, even after they were blocked two years in a row. I hope she understood, because this is really bothering me. I am not XXXX XXXX, neither is he my husband.
Consumer complaint received 2022-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

XXXX XXXX XXXX XXXX {$61.00} XXXX {$61.00} XXXX {$120.00} XXXX {$230.00} XXXX {$240.00} XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$2400.00} Please remove from my credit report inaccurate information
Consumer complaint received 2020-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

The following information pertains to case # XXXX : At the beginning of XX/XX/XXXX, I received an Intercept Funds Notice letting me know that {$460.00} dollars were withheld from my state taxes refund for XXXX. The agency listed was the XXXX Superior Court. 

I contacted the XXXX Superior Court and talked to Ms. XXXX XXXX on multiple occasions. She told me that I owed money for a traffic violation which allegedly took place in XXXX XXXX. I explained to her that I've never even been in that area. I was asked to submit a copy of my driver 's license and my social security card. I sent them the requested documents, and they acknowledged I was not the person they were looking for. 

In XX/XX/XXXX, I was told by Ms. XXXX that I'd be getting a refund of the money withheld. However, that never happened. I contacted her again sometime in XX/XX/XXXX to find out the status of my refund, but she explained to me that my money was being held by a collection agency named EOS CCA. She gave me the phone number to call them, which I did. However, every time I called them, they told me I had to talk to Mr. XXXX ( I don't have his last name, sorry ). 

I called Mr. XXXX on XX/XX/XXXX, and then multiple times after that during a period of almost 4 weeks. Every time I called him, he never answered the phone. So, I left him a message every time I called him, but he never called me back. The last time I called him, I told him I would sue the collection company that he works for. I said that so that he would at least try calling me back, but that never happened. 

I've spent months trying to get back the money that was withheld from me illegally, but I've gotten nowhere. In the middle of a pandemic, such as the one we are going through right now, every penny counts. Please, help me get my money back. Thank you for your time!
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Identification is showing my ex-husbands wife 's name, XXXX. 

I should have nothing with " XXXX '' attached to my credit reports. See below. 

Name XXXX XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number xxxxx XXXX Age or Date of Birth XX/XX/1958 I have never been formerly known as XXXX XXXX XXXX!
Consumer complaint received 2020-08-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROSPER FIRST FUNDING CORPORATION (NY)

On XXXX I have applied for a mortgage through Prosper First Funding corporation in XXXX XXXX NY. The loan offIcees name is XXXX XXXX. XXXX had pulled my credit report on XXXX 2020. On XXXX 2020 XXXX XXXX pulled my credit report again without my permission. When I asked XXXX the reason he pulled my credit the second time without my permission, XXXX added that the system did it by itself. I told XXXX that the system doesnt do things by itself, XXXX said yes it dies and that my credit score went up! 
I reached out to his manager XXXX XXXX who has no class, no customer service skills and who also lied to me. He was aggressive and was yelling at me through emails. XXXX added that no wrongdoing was done, I asked him the reason for him to believe that, he said that we pulled your credit on XXXX. I said you also pulled my credit report on XXXX without my permission, his answer was that my score went up and that he is going to decline me for the mortgage after I was approved and that he is closing my file, he also threatened me not to email him again or contract anyone in his company. 

I have all of this in emails between XXXX XXXX, XXXX XXXX and myself if need to be, I can forward the emails to this agency. I am not sure if I also have to contact other agencies such as HUD and Equal Lending agencies.
Consumer complaint received 2023-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

My issue is that my credit score has gone down to XXXX due to the fact that I thought my student loans were in forbearance and I have been shown a few documents where my loans are not in forbearance as they should be.
Consumer complaint received 2020-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I got an email from PayPal saying thank you for making an online payment of {$350.00} for acct no ending inXXXX for some antivirus software, if not you call XXXX or XXXX. I called and they said someone in the XXXX was using my information and then tried to get me to let one of their techs fix my computer remotely for {$400.00} that they wouldn supposedly return if l called their fraud department. I do not hav a PayPal acct.
Consumer complaint received 2020-08-15
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. (TX)

Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on Equifax from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( eqifax 54 pts, XXXX 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-15
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. (TX)

Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on Experian. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, XXXX 116 and experian 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company response does not meet requirements of validation .The dates being reported on credit report, address listed in response letter as their proof of debt notice is not my address and does not belong to me and or listed on or ever been used on my accounts listed on my credit report. Upon further investigation that is a childhood address of over XXXXyrs ago at a age not old enough to even obtain credit at such time .which proves Portfolio Recovery did not obtain my information from a creditor and participated in stolen identity /info and breached rights of privacy by searching public information and violated FDCPA Laws! Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Portfolio Recovery. Theres no contract nor agreement and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Portfolio Recovery nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore because they do not have a correct address for me Portfolio Recovery has violated law by not sending a debt validation notice amongst other violations that total XXXX a piece Portfolio Recovery now legally owes me more than the alleged debt by way of damages that were caused due to their negligence.So if this is not removed from my credit report at once I will proceed further legal action of my own!
Consumer complaint received 2020-08-15
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. (WA)

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Consumer complaint received 2020-08-15
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. (WA)

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Consumer complaint received 2020-08-15
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. (WA)

In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.
Consumer complaint received 2020-08-15
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: Bread Financial Holdings, Inc. (TX)

Got my report and realize there was unauthorized inqury for Comenity cap XXXX  Bank reach out to Comenity Bank and they sent me a letter saying it will be removed in 60 days but the XXXX credit bureau has not done it or either Comenity cap fron has not sent it to them
Consumer complaint received 2020-08-15
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)

EQUIFAX is reporting an installment account under my name which shows a balance of {$19000.00}. For the past year or so, I have been requesting documentation from them showing proof of this balance under my name, but they continue to send me same letter stating " they have verified this account is mine '' without looking into the problem, or sending me any proof. 
The account they are reporting as " XXXX installment account '' with a balance of $ XXXX, ( which is affecting my debt ratio in a major way ) is just a utility bill which I pay by the month, based on electricity being used in my home, and it has no balance. I pay it off every month. I have provided Equifax with a copy of my contract, a letter from XXXX, a copy of my bills for 12 months, and letters of explanation, yet, they continue to ignore my request, and send me the same letter of explanation every time.