davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (VA)

PARAGON REVENUE GROUP Contacted me in regards to two hospital bills with past due deductibles. I gave them my Veterans insurance information for them to submit claims for payments as well as previously providing the hospital the same information. Ive also contacted the VA to ensure payments would be made on my behalf. The PARAGON REVENUE GROUP continued to contact me by phone and mail with no indication of insurance updates and they have now reported the past due bill to the credit reporting bureaus. By law, the treating hospital must submit claims for payments to the VA in a timely manner ( within 90 days of discharge from the treatment facility ). XXXX XXXX XXXX XXXX has a history of failing to submit claims to the VA and the employees dealing with insurance continually have issues with the proper entry in their system.
Consumer complaint received 2023-03-30
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: Westlake Services, LLC (NJ)

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the credit report as soon as possible. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit report account under an open end consumer credit card plan as late for any purpose.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

At XXXX, I received a phone voicemail from my XXXX XXXX to call back. 

" Please do not disregard this message... I'm calling to verify a current address as were as a place of business address to proceed against you at this time. You are forfeiting your right to take care of this matter. We will contact your human resource department to follow proper protocol and procedure to move forward with the next steps. Again, the client is willing to rectify this matter they hear from you today, their number is XXXX and reference your client number XXXX XXXX and ( XXXX ) this my final attempt. You've been officially notified '' At XXXX on XX/XX/XXXX, I received a phone message from XXXX from XXXX XXXX XXXX immediate contact about an outstanding balance with HSBC XXXX XXXX XXXX. 

I called the number and spoke with XXXX XXXX from XXXX. XXXX and he stated that I had an outstanding balance of {$1500.00}, with the option of litigation and collections of garnishment of wages. He provided me with only XXXX option, pay {$1000.00} within the end of the day or receive garnishment litigation. 

I informed him that I didn't have any money to make any payment until XX/XX/XXXX, but he didn't want to accept and instead informed me that litigation will proceed. 

I then contacted HSBC, or which I never had any account, and confirmed that my personal information was not in their databases. No social security number, no phone number reference, and no address cross reference. 

I then contacted XXXX XXXX and the phone went directly to XXXX. He said that the reason why the information from HSBC was sold to XXXX XXXX already for collections. I asked him for documented mailed announcement before a review of the claim, and he stated that I was to provide a credit card number before he would provide the documented information. I then did a quick credit history and there was no information of HSBC on my credit history. I then informed him that I had discussed the matter to HSBC and he informed then that litigation and garnishment will proceed and told me to have a nice day. 

I see this as a scam, because I haven't been eligible for any credit cards since pre XXXX 's. I've used only XXXX Debit card from XXXX bank since XXXX and do not see any validity to the claim that I am owed any about because I didn't have any account with HSBC. 

The person is XXXX at XXXX XXXX at XXXX.
Consumer complaint received 2023-09-22
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: CITIBANK, N.A. (MA)

I was charged two identical transactions, one on XX/XX/2023 and the other on XX/XX/2023 from XXXX XXXX for {$130.00} each. When I filed a dispute with Citi, they indicated that XXXX XXXX claimed both charges are valid, which was never correct. Concurrently, I reached out to XXXX XXXX and XXXX XXXX confirmed they only charged me for one transaction for {$130.00} which was the charge I agreed on. At this point I filed a dispute with the XXXX against Citi for the duplicate charge of {$130.00}. Citi responded to the XXXX complaint with a generic letter that indicated the " findings '' of their investigation, which showed literally a blank paragraph where the explanation should have been. I have brought this up to Citi multiple times since then and they refused to do anything about it indicating their investigation was final.
Consumer complaint received 2022-09-25
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: Experian Information Solutions Inc. (NV)

I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

i reached out to XXXX as well as lexisnexis and they told me that a woman i have never heardnof in my life put me in her XXXX XXXX bankruptcy this has caused me to be unable to get a home loan, business loans, car loans and much more. i demand this be removed from my credit reports
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION ()

I am writing to you as a last resort. For the last several months I have been trying to contact Webster Bank in XXXX XXXX all to no avail. I have wrote countless letters and have tried numerous times to call them ( all you get is a recording to leave your name and number ) no one ever calls back. All I am trying to do is transfer money from my Savings to my checking account in order to pay my taxes. I am beginning to worry that there is something wrong with my accounts due to no response from the bank. I reside in XXXX and due to my age ( XXXX ) and XXXX  I am not in a position to go to XXXX XXXX  to sort this out. I am at my wits end trying to figure this out any help you could give me in getting a response from the bank would be greatly appreciated. My nephew has tried calling on my behalf and has gotten nowhere either and he tells me they require a drivers licence in order to set up online banking, I have never possessed a drivers Licence. I have had these accounts since XX/XX/1971 and never had this problem before. Please Help me.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX US DEPT ED acct # XXXXXXXX XXXX XXXX US DEPT ED acct # XXXXXXXX XXXX XXXX DEPTEDXXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXXXXXX XXXX, DEPTEDXXXX acct # XXXXXXXX XXXX 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 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

On XX/XX/2022, I paid an alleged of {$150.00} to trueaccord a debt collector in connection with XXXX  formerly known as XXXX. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is an extension to the previous complaint I have submitted. Below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. my rights have been violated, In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have contacted XXXX by phone on XXXX occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXXXXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I HAVE ALREADY CONTACTED ALL THE BANKS THAT HAVE INQUIRED ON MY CREDIT REPORT FOR THE DATES AND NAMES LISTED ABOVE AND THE BANKS HAVE CONTACTED THE BUREAUS INCLUDING TRANSUNION, THE BANKS ALSO SENT ME LETTERS THAT I FAXED TO TRANSUNION SHOWING THE INQUIRIES NEED REMOVED. Transunion is breaking the law by not removing the fraudulant or mistaken inquiries. REMOVE THE FAKE INQUIRIES- YOU ALREADY HAVE PROOF THEY WERE SUPPOSED BE REMOVED- YOU ARE CAUSING ME DAMAGES.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 furnish a account without my written instructions
Consumer complaint received 2024-08-25
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: Experian Information Solutions Inc. (CA)

This account was charged off on the following date : Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : Account XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

EOS CCA ( Original Creditor : XXXX XXXX ) HAS BEEN FRAUDULENTLY REPORTING ON MY PERSONAL CREDIT REPORT. THIS BATTLE HAS BEEN GOING ON FOR ALMOST A YEAR NOW. I HAVE SENT DEBT VALIDATION TO THEM DIRECTLY AND THEY HAVE NOT LAWFULLY PROVIDED BONAFIDE PROOF OF THIS COLLECTION. I KNOW IT IS NOT MINE. I HAVE SENT CERTIFIED MAIL TO THE XXXX XXXX, XXXX AND XXXX ABOUT THE SAME. I AM GOING TO SUE BECAUSE IT SEEMS THEY CAN VIOLATE CONSUMERS AND NO REMEDY.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

-On XX/XX/22, the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email was hacked and all of the company 's emails started to be forwarded to the hacker 's email address. The hacker started replying to the email correspondences between myself and XXXX XXXX XXXX XXXX on XX/XX/22. I had agreed to lease an apartment from this company in XXXX ; the hacker instructed me to XXXX XXXX$1800.00} to the hacker 's XXXX account on XX/XX/22, however, they were replying to me through the email correspondences between myself and XXXX XXXX XXXX  XXXX ( Thus I had no way of knowing that a hacker had intercepted our email correspondences ). 
XXXX XX/XX/22, as instructed, I completed a XXXX money transfer in the amount of {$1800.00} to the XXXX e-mail address provided to me by email by, who I thought was a representative of XXXX XXXX XXXX, XXXX XXXX 
-On XX/XX/22, I got ahold of the owner of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX by phone, and was informed of the hacked activity on the company 's e-mail address. 
-On the same day, XX/XX/22, I opened a case with my bank, Chase , concerning the fraudulent charge, and was told the {$1800.00} would be refunded to my account. 
-When I called Chase on XX/XX/22 for an update on my case, I was informed that the case was closed, as Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and they had opened a case with XXXX and that I could call back in 10 business days for an update. 
-I called XXXX myself on XX/XX/22, and was informed that XXXX does not handle cases like this, and no case was opened with them by Chase XXXX as I had been falsely told prior by Chase XXXX XX/XX/22. 
-When I called Chase again on XX/XX/22 for an update on my case, I was again informed that Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and that I was to be responsible for the {$1800.00} XXXX payment and Chase was not going to follow-up further. 
-This transaction was fraudulent and NOT AUTHORIZED by myself, however, Chase maintains that because the " electronic token matches up, '' that it was not fraudulent.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good morning, I received an envelope in the mail from Bank of America ( BoA ) for an offer for a new credit card. The card that I was hoping for was the XXXX XXXX Rewards Card with customizable rewards and {$200.00} back on {$1000.00} purchases in 60 days instead of {$100.00}. Unfortunately, due to me signing up for the card online ( Friday XX/XX/2022 ) and confirming the less suitable " BankAmericard '' I was told there " was nothing BoA could do ( Wednesday XX/XX/2022 ). '' I purchased a {$1200.00} eye XXXX for my father yesterday which was a large reason for the card and hoping for the return of the {$200.00}, who is XXXX XXXX XXXX ( XXXX ) within XXXX. I am desperately trying to make the right decisions for my family ( fianc and XXXX children ). 

What was fraudulent about the application to me is that they send this mail to get you into a credit card, when it isn't the most suitable card for the consumer with no guidance that there is a better card for you within their company. I work in life insurance and in real estate and we are trained to LEGALLY help clients find our clients the most suitable plans and purchases to fit their current life and financial positions or face serious legal ramifications and potentially lose our licenses which end our careers. Why is this not the case for a banking institution? Why can they trick you into a less suitable card without similar standards when the consequences can effect everything you purchase for years to come ( credit report )? I am a low income consumer ( on XXXX among other financial assistance ) and this will undoubtably create financial hardship on me and my family. I would like to amend the relationship if a desired outcome can be reached. 

I would like the CFPB to aid me in pursuit of helping a consumer ( me ) get the most suitable card for myself much the way I am held to a standard with my career. That is switching from my BankAmericard to the XXXX XXXX Rewards Card like I originally wanted with the appropriate rewards. Possibly seeking change to the way these institutions market similar to the way XXXX, XXXX and XXXX XXXX standards are written so that all plans and cards are marketed in targeted mailings. Thank you so much, XXXX.