davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (TX)

I purchased a new truck, a XXXX  XXXX XXXX. The vehicle is finance through BBVA. The first payment was made by check in XX/XX/2020. I then set it up to pay through my bank. Unfortunately, I entered the wrong account number ( XXXX ) when I set up the payment thru the bank. The bank ( XXXX XXXX XXXX XXXX XXXX ) sent the payment for XX/XX/2020 to the wrong account number. The correct account number is XXXX. I was notified by BBVA that my account was past due and that is when I discovered the wrong account number. In a conference call with XXXX and BBVA, it was confirmed that the XXXX payment did go to BBVA and was never returned to XXXX. We have been attempting to get the {$510.00} applied to my account ever since. Numerous times I have been told by BBVA that they will find the payment and apply it to my account. Also, the late fees that have been applied to my account will be taken off. Nothing has been done as of today and my frustration level is high. I don't understand why BBVA can not locate the payment that went to account XXXX. They received it and it has to be on their files somewhere. Can you please help me with this ongoing nightmare??
Consumer complaint received 2022-08-01
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. (LA)

On XX/XX/XXXX, I purchased equipment from XXXX XXXX. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called XXXX XXXX three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (SC)

Assetcare LLC flagged my credit reports with unverified medical collection information on XX/XX/2021. A dispute was filed with all 3 major bureaus and this account was removed from XXXX  and XXXX  immediately. 
XXXX  verified the information as accurate and Assetcare flagged my XXXX  credit file again with the same information on XX/XX/2021. 
I have decided to conduct my own investigation. I have never experienced a debt collection company : add their account to my credit file violating my HIPPA rights with unverified information, providing no contracts to prove I received any goods or services to support their claim that I actually owe a debt while failing to provide where they received my information. 
Please be advised that Assetcare LLC is not licensed to collect in my state, Assetcare are debt collectors with no contracts to support their claim of a debt owed Assetcare are not accredited by the XXXX  nor, does Assetcare have a XXXX 's number
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Request all nquiries be removed from my credit files account ASAP. 

I reported to XXXX XXXX on XX/XX/XXXX to attend XXXX XXXX XXXX at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX course in XX/XX/XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX. 

Submitted a police report identifying the high number of fraudulent inquiries number out times. Only several inquired are valid hard inquiries. I need all removed except XXXX XXXX XXXX and XXXX from all three credit files ASAP.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-27
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. (NJ)

XXXX XXXX XXXX reported for missing a payment in XX/XX/XXXX. I have not had a running balance with this creditor in 4 years. They charge me a fee of XXXX a month. I have had a great payment record of this fee for the last four years. In the midst of eveything going on this year I don't have the patience for a negative credit mark on a FEE. I don't even have the physical card. There has not be a swipe on that account or a delinquency in some time. 

XXXX XXXX XXXX should remove the monthly fee ( what am I paying for ) and correct their report to my credit in XX/XX/2020 of a missed payment. Again, there is no actual charge or running balance on the card. ZERO purchases on this card. 

Thank you.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Medical Data Systems, Inc. (NC)

My credit report from XXXX XXXX XXXX XXXX and XXXX shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX said my social security number has been compromised on the XXXX web
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This is a formal complaint against Midland Funding LLC located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Midland Funding LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-08-20
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. (AZ)

XXXXm writing this because I have inaccurate information reporting on my Experian, XXXX and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, Experian states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

My mortgage servicing company, Specialized Loan Servicing ( XXXX ), has wrongly double counted my tax bill estimate in their escrow calculation. I tried to reach out to them in writing, but they do not have an email address or an online form to submit a customer service inquiry - all communication must be submitted via a po box mail address, which both takes too long and is prone to getting lost. I called their phone number, and it took me XXXX hours to reach a human to express that my bill has a double count. Let me explain : my home 's reassessed tax amount was entered into the " what we estimate to be paid out '' for XX/XX/XXXX and XX/XX/XXXX, however my old tax bill amount was also kept in the same XX/XX/XXXX and XX/XX/XXXX estimates, so it's as if I need to pay a tax bill twice in both of those months. Therefore my monthly escrow amount went up by a crazy $ XXXX instead of closer to $ XXXX. When I called them, they first pushed me from the tax department to the escrow department, then back to the tax department, until they made me frustrated enough that I just had to hang up the phone because they couldn't understand whose fault it is. The answer from escrow was " we only calculate a monthly payment based on what the tax department gives us '' and the answer from tax was " we only put in the system what the tax bill comes in at ''. Nobody was able to answer why there are double payments in the same months, and I don't even have a way to prove this because they don't have a quick enough written communication system to figure this out! I am now facing a situation where I will have to pay a monthly amount that is higher than what I can afford, due to their mistake, and they don't even understand what's going on to be able to acknowledge or know how to correct their mistake!
Consumer complaint received 2022-04-27
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: Bull City Financial Solutions, Inc (NC)

Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX. 
XXXX A XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been using a credit card from Bank of America Travel Rewards Visa for the past year or so. There was an intro period with zero interest as is common. I used the payment feature provided on the BoA website to schedule a recurring payment. I chose the option to pay " Amount Due '' by due date. There was also a " Minimum Amount Due '' option. I deliberately did not choose this option since I did not wish to incur any interest charges. I did wish to make use of the intro period. So I left a balance on the card assuming the right amount would get deducted from my card once the intro period expired. But the bank kept deducting the minimum amount of {$25.00}. And charged me an interest of {$30.00} on a bill issued XX/XX/XXXX. I called them within 3 business days on XX/XX/XXXX to ask what's going on. Apparently " Amount Due '' is same as " Minimum Amount Due ''. Which seems deliberately designed to mislead customers into missing payments. And then exact interest. I requested them to waive the charges since it was my first time. They wouldn't do it. I consider this a form of fraud. Perpetrated by Bank of America against it's customers.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NY)

My complaint is about Synchrony Bank not handling an identity theft situation properly for me. I have been a victim of identity theft for more than a year now, probably connected to an XXXX data breach. Unidentified people have opened or tried to open accounts under my name. So far I believe I have managed to close them all and worked with the companies deleting the accounts and the inquiries in my credit report. I have also established a fraud alert with the credit bureaus. 
But I still have 4 credit inquires for fraudulent applications showing in my XXXX credit report for accounts related to Synchrony Bank. I contacted telephonically Synchrony Bank several times for each of them, starting with the oldest one in XX/XX/XXXX ; they closed the accounts, that is true, but did not follow the process to delete the inquiries from the report like all the other companies did effectively. Every time, but the last one, they told me they will send documentation to the credit bureau to erase them in the report but nothing happened. I inquired them several times to send the letters or any documents to me so I could forward them to XXXX ; they assured me they will but I never received anything. I talked to XXXX two times to see if they can solve the issue from their side, but they told me they need the documentation from Synchrony Bank. In my last phone call to Synchrony Bank, on XX/XX/XXXX, a representative assured me that no record of any of those accounts or any of my calls was showing in the system. 
At the present day ( XX/XX/XXXX ), the 4 inquiries ( all due to fraudulent applications to accounts already closed ) are still showing in my Transunion report.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

On XX/XX/XXXX I sent a letter via mail using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
Consumer complaint received 2022-05-23
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. (FL)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I closed out my checking account with Citizens Bank in XX/XX/XXXX. Unbeknownst to me I had 2 small payroll checks totaling {$440.00} get direct deposited into this closed account on XX/XX/XXXX. Per Citizens, if anything occurs on a closed account within 60 days of closing, they automatically reopen the account, which they did. because I closed out the account in XXXX and chose to go paperless, I had no reason to further check this account, so I knew nothing about the deposit until XX/XX/XXXX when I received notice I owed them {$8.00}. I tried calling the 800 # provided to no avail. On XX/XX/XXXX I received a 2nd notice informing me I now owed {$33.00}. This time I went to local Citizens branch in XXXX XXXX, NH and found out about the reopened account and that I had 2 checks deposited in XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX I never heard a word from Citizens, all the while they were taking {$25.00} each month from this reopened account until they drained the original deposit of {$440.00} and now they tell me I owe them money. The account I had with Citizens required a minimum balance of $ XXXX, otherwise I would have to pay {$25.00}. I requested Citizens refund me my {$440.00}, remove any overdraft charges and close the account as I asked in XXXX of XXXX. They offered me {$150.00}, which they would deposit into my account, then they would take the {$33.00} out, leaving me to take {$110.00}. I promptly turned them down and requested to speak to a senior bank employee, to which I was told there was no one to speak with. I am furious that a bank can reopen a closed account, then accept a payroll check, then drain that account by charging {$25.00} each month until there is no money left and have the nerve to then start charging me. I request a full refund of my {$440.00}, removal of any overdraft fees and for them to close my account permanently!
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX using my right per FCRA, which states that if the company is unable to verfiy/validate the debt they must delete all reporting from all 3 credit bureaus. it has been more than 30 days, therefore they are violating the FCRA rights.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (KY)

CREDIT PLUS Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquirer Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I only appyied for one mortage loan for each company, why are the inquiry reaccuring?
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Please I'm having issue accessing my bank of america XXXX debit card online due to the lost of phone and couldn't have access to my email and phone number for verification code. 
Card number XXXX XXXX XXXX