davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

The company sent me a letter stating I owe {$50.00} that I never paid to XXXX XXXX XXXX. I never received I bill from XXXX XXXX XXXX telling me I owed this money and as I worked at XXXX XXXX XXXX I found this odd. I asked for an original notice ( itemized ) from XXXX proving I owed this money. They sent me an itemized bill but it stated that it did not show what money was owed. I called them and was told by their employee I had to get that information myself. I sent a certified letter advising it is not my responsibility to prove their case but if they will send me proof of money owed I will be more than happy to pay the bill. They sent me the same generic letter from their office stating that I owe {$50.00}. As I have never received a bill from XXXX XXXX XXXX I do not have proof of this bill. 
The company in question is : Medicredit XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2022-05-02
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # 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 2021-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NV)

This a company recently responded to my complaint stating that they knowingly reported false information to my credit report which I pointed it out I requested that it be removed and not updated but that also ignored the law I Pointed out here is the law d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

So since I paid for those items with my credit card it should not be reported on my credit report this is a violation 15 U.S. Code 1692g - Validation of debts ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; So you assumed this debt is valid even after you have stated that there are inaccuracies in the debt
Consumer complaint received 2020-05-10
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On or around XX/XX/2020 I contacted Bank of America regarding my MasterCard account and related recent 30 day late payment reported to the three credit reporting agencies ( CRA 's ). I spoke with a Customer Service agent named XXXX who was very helpful and understanding of my circumstances. I explained to her that I had been out of town tending to a family member 's affairs that had been stricken with the Coronavirus illness ; ( Return itinerary attached ). She said " she understood and that I could have, and should have been offered a payment deferment that would have prevented this matter and would assist me in having the 30 day late reporting removed from my credit report ( s ) ''. On or around the XXXX of XXXX I followed up with another call to Bank of America Customer Service once realizing that the 30 day late payment still remained on my credit report. I was then told that by another Representative ( No Name ) that I was given wrong information and the 30 day late payment would not be removed and that I could dispute the information to the three CRA 's, which I did. I asked repeatedly to be referred to a manager or supervisor or contact information to a credit report resolutions department and was told that there was no other department I could speak with regarding the matter. I have made repeated attempts to contact Bank of America asking for contact information to a Manager, Supervisor, or the mailing or email address for a department that I could reach out to. I have made every attempt as a consumer to resolve this matter. I had never previously been 30 days late in the history of my account ; I was {$80.00} dollars late on my account, however was told I needed to pay {$150.00} to bring the account current which I immediately did upon my return home from my trip ; in the interim I set up automatic payments to ensure no further mishap ; I then ultimately paid the account in full and closed the account.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My initial Fraud Affidavit was XX/XX/2010. Ive had two Attorneys since. FCRA multiple paid for fraud alerts. I was just prevented from opening a bank account because of bogua information that Experian refuses to remove. Wrong addresses, car loans I dont own, my actual credit cards paid in full are never on there. Worse Ive sent them evidence that cars were paid for, student loans paid off in XXXX, phones & credit cards I dont own. Yet what I do own never waa reported. I had a vacation trade on auto deduct, a XXXX XXXX collector came after me for a vacation membership paid for never used. worse all these years 10 years, they sent me a report with my name spelles wrong. no one had permissalble purpose. i never owned whats on the report. The same debt collectors never stop coming after me knowing I have ID theft/take over. i actually have every return receipt, my first attorney removed all false information. They never stoppes. My second attorney sued but that never stopped them. This became a full time job, and now it looks like I owe on the nothing that was mine. all clear id couldnt believe what they were seeing. the spelled my name wrong i follow their process, provided all proof return receipt. i cant have a bank account now. because they broke the law & medically honestly destroyed me. i physically confirmed the information is wrong by flying back Im not in companies systems so whom ever at the desk at the CRAs need to stop allowing it. i followed the law disabled & proved it year after year. Their excuse was we just report what we get, its 10 years of XXXX maybe they should secure their system & stop allowing it. ive spent so much money on companies I never gave consent to to collect info & report it. None of it is true yet they dont care even with truth. I could actually die being this sick unable to have nothing bc Im a number to them they dont care about
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

I got a hard inquiry on my credit report because this company called Synchrony Financial ran my credit without my permission and without my knowledge. I never signed up for anything, applied for anything or allowed this company to look into my credit report. I've never heard of Synchrony Financial before, why do I have to deal with a hard inquiry when it is not deserved or of my doing? I try really hard to keep my credit score up just to have some company mess up my score without any consent or permission at all. Please help me out in any way you can, I greatly appreciate it. This unwanted credit check has actually already caused me an issue and if it happens again I would like to sue the company for the stress and financial burden it now put me in. Thank you very much for your time.
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

Back in 2017 I had my identity stolen and they charged a XXXX account using my information. From the account, XXXX sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called Jefferson Capital, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Neiman Marcus credit card, which I have had for more than 40 years, charged me for merchandise I did not receive. They charged for {$310.00} of items that they say were delivered by XXXX XXXX. These items never arrived. I spent more than an hour on the phone with NM, and they agreed to refund. But they did not do it. The items are still on my statement. NM has become very corrupt, with the apparent help of XXXX XXXX driver ( s ). This is outrageous. I will not pay for items never received. Order # XXXX. I only received one items from the order ( jeans ) and even that box was ripped open. I will not pay for items never received. I will pay for the jeans ( {$100.00} ) but nothing else. Unfortunately, they have turned over their credit card to Capitol One to manage, and they are notorious for being non-responsive to complaints or problems. I have tried to resolve this with NM, but {$310.00} of merchandise that was never received is still on my bill.
Consumer complaint received 2023-01-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1681 ( b ) states I have not given my written permission to this creditor to access my credit report.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I attempted to pay my Amazon store card multiple times. It stated it posted and then retracted that payment so I sent the payment through again including the fee once again it said it posted and now Synchrony without informing me prior to making the payment or after the payment was submitted that they were holding the payment for 2 weeks because I made two payments in one month. No were does it state this in terms and conditions nor was I ever informed. I would have delayed the payment if I knew it would be held. When I finally called because a charge didn't go through I was informed it was held. I asked for payment to be reversed was informed only way is to get a check. Also that only way to confirm emails sent was through fax. They heavily attempted to delay the resolution to avoid fixing. And allow them to hold without reason or informing the customer. 

additonally I have been on hold with the company for over 30 minutes with no resolution.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Hi, Ive been trying to pay off a debt to apartments, the reason why I had to move was due to a domestic violence case. Every time Ive called XXXX has been very rude and he always downgrades me. My debt was originally XXXX and the amount theyre trying to charge me is XXXX. I have been back and fourth with them the whole month of XXXX and they will not work with me at all. He told me talking to a supervisor would not help and make a difference. This debt is not only on my credit but my moms as well, he was trying to get me to pay XXXX for myself so it would be taken off my credit but leave the rest for my mom to pay or it wouldnt get taken off if I didnt agree to that and asked me I had a good relationship with my mom so I could do that to her. I thought that was so wrong. Another time I called I spoke to a lady and she said I can pay XXXX and it would be taken off mine and my moms credit but when she transferred me to the supervisor he said he would have never approved that amount. That if I wanted to settle it would have to be for XXXX and it would be taken off. I asked him if I could think about it and he told me I could leave him on hold that if I hung up the deal would be off the table. Every time Ive called everyone is very rude, not willing to work with me or my mom and help us in any way. The amount theyre asking for is over what my actual debt is and they are always giving me attitude and dont seem to care to help. Very unprofessional
Consumer complaint received 2020-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Dear CFPB staff, I visited the HSBC XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Branch on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX. The three visits were made in order to open a new Fusion First Business Checking account during the HSBC {$350.00} bonus promotion period. 

A personal banker named XXXX XXXX XXXX helped me finalize the opening of my account on XX/XX/XXXX and an opening deposit of {$5000.00} was made on that date. The bonus promotion brochure I was handed by Mr. XXXX specifies the bonus requirements. Please see the attached scanned copy of the bonus promotion brochure. 

I met the requirements as follows : Made deposit in excess of {$5000.00} on XX/XX/XXXX I registered and first logged onto HSBC net on XX/XX/XXXX I met the 120 day period of having a minimum balance of {$5000.00} on XX/XX/XXXX Based on HSBC 's Terms & Conditions for this bonus, I should have received the bonus by XX/XX/XXXX. 

Upon not receiving the bonus, I called HSBC on XX/XX/XXXX and received confirmation that I met the requirements for the bonus and was referred to XXXX XXXX, the Premier Relationship Manager at the XXXX XXXX Branch for further assistance. 

Mr. XXXX and I made a conference call with another HSBC banker named XXXX on XX/XX/XXXX. By using Access Control for Account Services and using the Activity Log Filter, XXXX confirmed that I met all of the requirements for the bonus. 

On XX/XX/XXXX, I received an email from Mr. XXXX who stated : " I finally got your request approved. You can expect the deposit in your account within 4 weeks. I apologize for the delay but happy to report that you will be receiving the bonus. '' Please see attached copy of Mr. XXXX 's email. 

Mr. XXXX was nothing but persistent, responsive, kind and helpful during this process. However, I do not find it acceptable that the HSBC back office will not credit my account with the bonus I was promised that I should have received by XX/XX/XXXX based on the Terms and Conditions of the bonus promotion brochure. Waiting another 4 weeks from XX/XX/XXXX, with the hope of possibly receiving my bonus is unacceptable.
Consumer complaint received 2020-05-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (CA)

More than 10 years ago I was a co-signer on a student loan for an ex spouse. In the last two weeks, I have received daily phone calls demanding payment. I have no connection with the borrower and was offered no options for resolution. I was threatened with negative action against my credit if I did not make a payment. I had no information regarding the loan and was offered no verification on loan amount, past due amount, or even account numbers. I asked to no longer receive phone calls regarding the matter, and was told the " calls will continue until you pay. '' This is harassment and a violation of the law regarding debt collection.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

Deceptive advertisement. Fraudulent unlawful holds on legitimate transactions. 
XX/XX/23 @ XXXX. The XXXX # XXXX XXXX XXXX accepted my cash payment to send a {$1500.00} MoneyGram payment & issued me a printed receipt stating the Service Type is " 10-Minutes '' for destination/delivery. When the recipient ( my son ) tried to pick it up at XXXX it had an error as " unavailable. '' He alerted me and I immediately called the dispute # XXXX printed on my receipt. After navigating through a profusion of phone prompts to reach a live agent, it took transfers to 3 representatives over a 53-minute call to resolve the issue : specifically I was told " Because there of lots of fraudulent activity in this area ( XXXX IL XXXX their payment system automatically generates a hold on large amount transactions. '' I was subjected to redundant " interviews '' that included personal details that were none of their business ( i.e., who is recipient ... why did I send it ... when was last time I saw him in person... do we communicate via phone, text or email... how old is he ... what's his phone number .... ) We live about 40-minutes apart ; I could have simply driven over & handed him the cash! This payment entailed a simple car repair, but it could have been emergency. NOTE : This is not the first time this has happened ; it happened for MULTIPLE transactions ( grandchildren gifts birthdays, etc. ) I sent last year -- for this reason I stopped using XXXX & switched to XXXXMoneyGram. It took several days to resolve those issues. This time I insisted on a refund of the {$14.00} transaction fee.
Consumer complaint received 2020-08-24
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. (MI)

Equifax is not reporting my XXXX XXXX Credit Cards. I requested XXXX XXXX do a reinsertion of my cards to report to my Credit Reports. XXXX XXXX has tried to do their due diligence my filing a reinsertion on my behalf XX/XX/2020. My cards are appearing on XXXX & XXXX with frequency but not Equifax. When I call them I keep recieving the runaround or given the same number to keep repeating the same frustrating process. My score has tanked 84 Points due to their unwillingness to report correctly.
Consumer complaint received 2020-05-11
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. (GA)

On my student loans the payments were automatically deferred due to COVID19. I did not opt in to deferring the payments as I am able to pay my payments through these times. 

My credit score has decreased as a result of the automatic deferment. A remark was made to that account. 

" Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Student loan - payment deferred ''
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (VA)

Today XX/XX/2020 I reached out to Ability Recovery to satisfy a debt. This debt was accrued due to false, misleading information from XXXX University which led to me attending classes. After learning of the misleading, false information I ended my relationship with the institution. At that time {$5000.00} was charged to my account. To prevent negative information from reporting to my credit I began making payments as I can recall, because XXXX will not provide me with billing information I paid the account down {$3700.00}. XXXX sold the account to a collection agency and they are charging in access of {$700.00} I am still making payments and inquired in the {$700.00}. The representative immediately became rude and said I was giving him a hard time and hung the phone up. No one will tell me where the {$700.00} was applied. REP. XXXX informed they do not charge any fees and to contact XXXX to see where the money was applied. I attempted a conference call XXXX informed he cant do third party calls. No on will provide me with any information on the money I already paid towards the account and they are tellling me its just cheaper if you pay 2700+. Also I am currently making payments towards the account they continue to hang up as soon as they answer the phone and XXXX told me to get a life and pay my bills.
Consumer complaint received 2020-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTE ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...