davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX DEBT COLLECTOR IS TRYING TO CHARGE ME AN AMOUNT FOR {$75.00} FOR A CREDIT CARD I NEVER OPENED WITH BLOOMINGDALES NEVER HAVE I OPEN SUCH ACCOUNT OR USE MY SOCIAL SECURITY OR CREDENTIAL TO OPEN SUCH AN ACCOUNT.
Consumer complaint received 2022-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I would like to file another Fair Credit Report Act violation against this credit bureau. On XXXX XXXX this credit bureau got a request from me for ''There method of verification '' as it pertains to a XXXX XXXX XXXX account that is reporting on my credit report. The Fair Credit Reporting Act states that the credit bureau must provide me with this information within 15 days after they get my request. To this date XX/XX/2022 more than 9 months later and I have not gotten it. All i have gotten from this credit bureau is the procedure that credit bureaus should follow when verifying an account. I recently submitted another request for the method of verification but to this date I have not gotten the method of verification. The fair credit reporting act states that if i dont get that method of verification within 15 days after the request was made then the item should be deleted from my credit report. This credit bureau has refused to provide the method of verification or delete the item from my credit report. This is one of the issues that we will use in our lawsuit against this bureau to get this item deleted from my credit report.

Kindly see file attached showing a receipt from the postal service showing that the credit bureau got my request for there method of verification but have failed to provide it. 
I NEVER GOT A DETAILED METHOD OF VERIFICATION FROM THIS CREDIT BUREAU.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-04-04
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. (NC)

I have a XXXX XXXX  car loan, but on my credit report the address they have it's incorrect, I never stayed there. I always stayed at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Plus the loan they have out for the car I don't even have it anymore. 

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

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.
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the XXXX data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me.

Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Securus J Holdings, LLC (VA)

I have prepaid for XXXX XXXX minute video phone calls with my son who is currently XXXX in a XXXX XXXX XXXX XXXX in Idaho. The company I paid is Jpay I was approved for the video calls and Jpay sent me a sign in link on XX/XX/2024 I followed log in instructions and when I clicked on start call I was transferred to another Jpay page with another link I needed to download to start my phone call which was already supposed to be in progress. The link took me to a page not found error. I tried again and again but while Jpay deducted my account I was never even close to being able to access the prepaid visit with my son. There is no way to get a person on the phone at Jpay just a computer with no information about Jpay video connect. I have sent an email every day trying to get help from Jpay but the only reply I get is a Covid precautionary reply promising a reply someday. I have another pre paid video phone visit on XXXX when I will have my grandson here to talk to and see his father. I am desperate to get a useful reply from Jpay before we miss another chance I already paid for to see my son. Thank you
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is XXXX XXXX  mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On my profile report, I found that there were unauthorized accounts that were unlawful. The fact that you've included the information below in my credit report and omitted to use reasonable means to ensure the highest possible accuracy in the credit reports you distribute bothers me. Credit reporting requirements ensure that only the most accurate information is made public. Each step in the progression should be followed to ensure the accuracy of the data presented. It's important to go deeper into the supporting data in this manner. Despite carefully reviewing my credit record from your service, I've been unable to locate any erroneous or invalidated accounts. As a result of the Equifax data breach, which may or may not have exposed my personal information, I am unaware of any items or erroneous information of this kind. You're not following the FRCA 's reporting requirements since you're filing your reports carelessly and erroneously. I understand that as a federally protected consumer, you are unable to hire a counsel to defend yourself against me.

Under TILA 1640, I'll sue the company for at least 1 percent of its stock value, or any other amount of damages up to and including $ XXXX, and seek a default judgment.
Consumer complaint received 2023-03-22
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXXXXXX 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 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 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
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (FL)

CAPITAL MANAGEMENT SERVICES LP DEBT COLLECTOR IS TRYING TO CHARGE ME AN AMOUNT FOR {$75.00} FOR A CREDIT CARD I NEVER OPENED WITH XXXX NEVER HAVE I OPEN SUCH ACCOUNT OR USE MY SOCIAL SECURITY OR CREDENTIAL TO OPEN SUCH AN ACCOUNT.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

On XX/XX/XXXX I sent a letter to Helvey & Associates in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

After an emergency room visit on XX/XX/18, I received the expected bill, minus the amount my insurance paid. I was not told, upon being admitted, that I would receive MANY other bills, Emergency Room Physicians, Laboratory costs, Radiology, separate from the hospital. When I did, one was a " Final Statement '' demanding payment immediately. I never received any other statements. I called to make payment arrangements. They wanted more than I could afford, because I also had other bills from that visit that I was making payments on, so we agreed on a different amount and I began paying. I also told them that I was waiting to receive an approval for charity care since my salary as a XXXX XXXX XXXX XXXX is quite low and infrequent. They told me I could submit the letter once I received it and they would apply that to my account. I stopped receiving statements and had no idea what my balance was or account number OR where to send the payments ( or pay online ). I tried calling the number listed for the doctor but it was disconnected. The facility, XXXX XXXX XXXX, uses an outside billing service that's not even in my state. I finally had to call my insurance company to find out where they had sent their payment. I mailed my payment with a letter explaining why it was late. I then started to receive collection notices from a collection agency. I called them and explained that I had made payment arrangements with the original creditor. The representative I spoke to said she could see that and she, too, was confused as to why I was placed in collections. I continued to pay the original creditor. I received ANOTHER collection notice, called them again and spoke to a different representative who was very abrupt and accused me of wanting to " argue '' with him. I disconnected the call and sent a C & D letter, but didn't send it Certified, so the notices continue. I am still paying the original creditor. I called the original creditor, again and asked why I stopped getting notices and why they wouldn't take the approval letter for financial assistance from the hospital. The response was : Once you make payment arrangements, we don't send out any more statements. And once you're in collections we can't accept any financial assistance approvals.
Consumer complaint received 2019-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview loan servicing is who services my mortgage and escrow. In the first year of owning my first home they have changed my payments 3 times. Stating escrow balance has been to low or negative. I have my original escrow account disclosure and to my best knowledge it is accurate. They over estimated the amounts and I shouldve had a cushion at the end of the first year. Instead Im negative. Lakeview can not explain how this happened or when I talk to different departments they cant give me the same answer. One department says I was overcharged, the other says I owe. Wait times to speak to someone are routinely over an hour long. Ive called 6 times starting from XXXX. Im am on hold as I write this ( 1 hour & 35 minutes so far ). Ive asked for a new escrow analysis and was told 3 have been done so far. They also admitted to making a mistake on one by not including my hazard insurance, then charge me {$1300.00} for insurance that that has already been paid. Customer service department says the money was refunded to escrow, their collections department says it was not. Ive requested a new analysis so I can do their work for them and figure out where they are making the mistake. I asked on XX/XX/19 and today ( XX/XX/19 ) I was told there are no notes for a new escrow analysis or one in progress.
Consumer complaint received 2024-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (SC)

I reside and own my property in South Carolina. I retired from XXXX XXXX XXXXXX/XX/XXXX and was deemed 100 % Permanent and Totally XXXX in XX/XX/XXXX. On XX/XX/XXXX I was granted a full property tax exemption as a result of being a 100 % XXXX veteran IAW Code Section XXXX Veterans- XXXX ( B ) ( XXXX ) ( A ). Around this same time, my XXXX XXXX assessor 's office sent me a check in the amount of {$2900.00}, refunding me the full amount of taxes paid based on my date of XXXX. On XX/XX/XXXX, I contacted PHH Mortgage to obtain the required steps to process my property tax exemption. I was instructed to submit the property tax exemption approval letter to PHH Mortgage Company Tax Department at XXXX. I was also instructed by PHH to deposit my refund check from the county assessor 's office into my escrow. PHH stated this step was required in order to re-do my escrow account and once my escrow account was re-analyzed, PHH would cut me a check for the escrow surplus. Approximately ten days later, PHH Mortgage sent me a refund check in the mail for {$2700.00} ( less than what I had deposited ) and is a few XXXX XXXX  short of what I should be refunded in total. When I reviewed my new escrow statement, it still included property taxes. I contacted PHH and the representative acknowledged they made a mistake. This representative stated the tax department only granted me a partial exemption even though my documentation states full exemption. The representative transferred me to a higher level manager who stated she would contact the tax department to have it resolved. Today, XX/XX/XXXX, the higher level manager contacted me, stating the tax department will only grant me a partial exemption and I will not get refunded for the taxes I've already paid for XXXX and my escrow will continue to include property taxes. I told this manager I don't understand why this is happening when my documents clearly state 100 % exemption and the document is an official document from the SC state Department of Revenue with their contact information. I would also like to note you are not able to speak to anyone in the tax department, only customer service. Each time I've called, I am presented with a representative I can't understand due to language barrier, etc or they do not know what to do. When I called today, the representative was flushing the toilet. I could literally hear this in the background. When I asked her to transfer me to the higher level manager named XXXX, the representative had no ability to transfer me to anyone. XXXX had just called me and when I returned the call, it was this representative who answered. PHH owes me several XXXX dollars and a correct escrow account statement.
Consumer complaint received 2024-05-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I pulled into an XXXX XXXX XXXX managed by XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, and plugged the XXXX XXXX into my vehicle. I then tapped my credit card into the unattended payment terminal ( referred to as vending machine ) to charge my vehicle. The vending machine indicated a generic error, such as : " Error, unable to XXXX  vehicle '', and my vehicle had received no XXXX, with XXXX energy dispensed. As I initially tapped my card via mobile payment, I got a notification for a charge of {$50.00} which is typically normal with a gas station or kiosk. I have not received any services dispensed, nor a receipt or confirmation of payment. 

A day later, I noticed that the {$50.00} charge has posted to my account statement, and has not released from pre-auth. 

I've opened up a credit claim ( Claim ID : XXXX ) with my credit card company Bank of America XXXX days later on XX/XX/XXXX, where I have been prompted to provide additional information twice, as if I was not verbose enough initially. I have provided additional information on both XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter indicating that my claim was denied. ( attached ) I called the bank back on XX/XX/XXXX to discuss the claim, the rep was appreciative and said it must've been declined in an error, and helped me reopen the claim. 

The reopened claim ( Claim ID : XXXX ) has been in " researching claim '' state from XX/XX/XXXX to XX/XX/XXXX. 

Upon calling to inquire on the latest claim, the latest rep was not so supportive, and mentioned that I did not provide enough proof that I did not receive the services, even after mentioning that the kiosk simply did not dispense. The rep was unable to provide any correspondence from the merchant, nor their bank, and continued to say that they have " federally regulated billing policies they must abide by ''. 

I don't often do chargebacks, this occasion just happened to be an erroneous vending machine that didn't dispense, and my bank handled the situation poorly. I am not even upset with the merchant as I am with the bank. I've been a customer with them for over XXXX years with not a single claim. Other banks at least either provide immediate credit ( XXXX ), or provide correspondence from the merchant or disputed bank. To me it feels like my claim hasn't even reached the merchant or their bank before my bank just decided not to throw it away. 

The only reason I am still with the bank and using their card is because of their XXXX XXXX program and reward multipliers. This experience has tarnished any real positives I have for Bank of America.