davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Oklahoma Motor Credit Company (OK)

I had an auto loan with Oklahoma Motor Credit Company, I got behind on it and had to work with their attorney to get the balance paid off before they repo the vehicle. Which I did, in XX/XX/2015. I received a balance in full letter and account closed. Now, I'm trying to purchase a house and when I had my credit pulled, this company is showing a XXXX balance and a monthly payment of XXXX plus it's a charge off account with current delinquencies. I attempted to contact them and they refuse to speak with me, stating that they doesn't have to talk to me regarding this account and hung up on me.
Consumer complaint received 2018-10-16
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. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have filed a total of three disputes with XXXX and TrasnUnion for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX  of XXXX XXXX XXXX ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( XXXX ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX of XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to XXXX and TransUnion on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that XXXX has now listed that case twice, with a second ( new )  date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both XXXX and TransUnion credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX of XXXX and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX of XXXX XXXX XXXX ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If XXXX and TransUnion are unable to resolve this issue in a timely manner, I plan to seek legal counsel.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I was approved for the HSBC cash reward master card on XX/XX/XXXX. I received my card soon after and made several purchases with the card, around 10-20 transactions. After this, my card was frozen and I could no longer use the card. I contacted hsbc, and received an associate within 15 minutes. He informed me I had a fraud freeze on my account, due to a new account, he transferred me to hsbc fraud department. I was placed on hold for an hour before an associate answered, I have her rep number, she sent me a pdf form to fill out and provide additional information on proof of residence on XX/XX/XXXX. I completed the form as soon as I received it and returned it to them XX/XX/XXXX. Soon after I attempted to call to follow up on the email XX/XX/XXXX, XX/XX/XXXX and XXXX. I was placed on hold for 1 hour, 2 hours and 2 minutes and 1 hour and 34 minutes all ended in an automatic disconnect. All of which I retained the screenshots to evidence my attempts to follow up on my account and proof of address, in which, I sent an email with my confidential information in. I attempted to create an online account, but due to the type of freeze on my account I can not create an online account to monitor my account activity or make a payment. It is now XX/XX/XXXX and I have yet to hear from HSBC and my card is still frozen. The card I was approved for was for a vacation trip which I have already taken. I can no longer wait on hold for hours to be disconnected with and need to resolve this issue before my credit is impacted.
Consumer complaint received 2018-10-15
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. (CA)

" " '' I have disputed this charge off on this XXXX/XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-15
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a fraud alert on all 3 credit bureaus. Also credit freeze. Trans union XXXX  shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them off.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On, or around of XX/XX/. After several letters, of disputing! Experian still reporting US BKPT CT. Fr  XXXX to present? XXXX XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XXXX XXXX - XX/XX/. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/ - XX/XX/. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XXXX. No validation! XXXX, reported to XXXX XXXX XXXX, XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XXXXclaim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.
Consumer complaint received 2018-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

I was trying to get my mother 's name off of the loan because she passed away on XX/XX/2018. I contacted Fifth Third Bank to get her off the loan and they said they would they would just need the death certificate. I mailed in the death certificate and they have it on record that she died, but they won't take her off the loan. I asked why and the customer service rep said he doesn't do that. I asked for documentation about this policy and he said they didn't have any policy, but it's an internal policy.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NY)

In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NM)

My account was compromised on XX/XX/XXXX the Bank ( US Bank ) tried not to refund the money taken from my account and froze my accounts. My direct deposit was allowed to go in but I was not allowed to use any of that money therefore my bills were not being paid. I do not use credit cards so I had no other means to pay for things. The Bank was not cooperative and was rude and unsympathetic - I live thousands of miles from family so I had no one to turn to. I have since switched to XXXX XXXX but as of XX/XX/XXXX still can not withdraw my funds from US Bank
Consumer complaint received 2018-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (KS)

When I applied for loan with CashNetUSA they could not tell me how big payments are going to be. My first payment was about {$120.00} and was taken twice a month. After that payment was {$220.00} and keeps climbing up. It seems I am just paying for interest. Next payment is coming up on XX/XX/XXXX in the amount of {$300.00}. When I contacted them they emailed me to inform me about interest rates and promised to work with me to help me. If I knew what will happened I would never get a loan from them. Even now I dont know what my next payment is going to be. I think its not fair on a credit line of {$1400.00} to make payments of {$600.00} a month. And my balance is still the same.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Several time before this my wife would let me listen to voice mails she had received. It was the bank for this credit card, I never gave her number. I gave the correct information when I did the credit application. But they skip traced and got her number. I have not gotten mail from this company. Only from XXXX XXXX. 
On XX/XX/XXXX, I was answred a call to XXXX my wife. The guy did not confirm who he was talked to, he tried to strong arm collect this debt. by telling me he was taking me to court or charging off the balance if I didn't pay it tonight. I wouldn't talk to him. I was rude to him, on puropose. but asked for a manager. 
This guy acted like he had some sense, we set up the following arrangements. I paid XXXX that night, I would call XXXX on the following dates and pay XXXX per installment. XX/XX/XXXX and XX/XX/XXXX. I also told them I have a bill payment comeing to them every Friday from my bank, automatic. XXXX which it was agreed I would not have any other calls, my wife wouldn't because I updated my phone number. 
I made it very clear to the Manager, I would block the calls if they continued and they would only get my payments, as I send them in. he understood. 
Since then, I have gotten calls to XXXX ( my number ) XXXX @ XXXX XXXX, restricted numberXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX @ XXXX, XXXX XXXX  XXXX XXXX, XXXX Robo caller XXXX XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX XXXX XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX, XXXX Robo Caller XXXX @ XXXX , XXXX ( restricted ) @ XXXX, XXXX Robo Caller XXXX @ XXXX, XXXX Robo Caller @ XXXX, XXXX Potental Spam XXXX @ XXXX. 
As you can see, these calls are excessive from this company.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX reported a late / missed payment over 30 days on my credit report without sending me a statement 21 days before the bill was due as required by the credit Card act 2009, this account never showed up on my online account ; I had Visa, and Master Card which is the card in dispute ; I received three statements for different months in one letter in XXXX after contacting customer service concerning the late payment, and informing customer service I never received any statements on the amount owed ; once I was informed of this debt it was paid in XX/XX/2018, I never used this Master Card, I have had a Visa account with XXXX XXXX over a year, and never missed a payment, both accounts have been closed at my request ; why was XXXX XXXX holding all of my statements, and sending them to me after a request, and alert on my credit report instead of sending them monthly before the due date as required.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collection Services, Inc. (OK, TX) (OK)

When I pulled my credit-I found over 38 medical accounts for XXXX XXXX XXXX and a few other doctors offices and hospitals-I contact the medical offices and hospitals and found out that these charges are fraudulent and several of the accounts are charges for visits I didn't even attend. I contact the attorney general in my state and an attorney. They informed me to filed a fraud affidavit and complaint with their departments. I sent this paperwork to the credit reporting companies and to the this collection companies. American Collections and XXXX XXXX XXXX ( which are the same companies ) refuse to remove any of the accounts. I haven't received any paperwork and they keep reporting the accounts inaccurately on my credit reports. One account alone with the same account number and service date-shows a different amount owed with each credit reporting company.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (NY)

Valley national Bank promised {$200.00} after 1 single Direct deposit which they confirmed I had done. I actually asked an employee on the phone and although it said no where the terms was {$200.00} DD I still sent {$200.00} over. 

I now called to ask where my money is and they say it was {$1000.00}. 

In addition they refuse to close my checking account.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America XX/XX/XXXX/XX/XX/XXXX credit card statement contained an unknown charge of {$99.00} from " XXXX XXXX XXXX '' dated XX/XX/2018 with a telephone number XXXX ( NJ ), I had never dealt with that entity. I called the listed number and the person answering refused to identify the entity called, I was told that the entity did not sell merchandise or services but, rather, represented other unidentified firms in collecting charges on credit cards -- ie either a competitor or collaborator of Bank of America. I certainly did not authorize XXXX XXXX XXXX ( or, indeed any one else ) to use my Bank of America credit card. This was plainly a fraudulent transaction. 
To prevent further fraudulent uses of my card, I asked the Bank to cancel the card used by XXXX XXXX XXXX and issue a new card with a new number. The Bank reluctantly honored my request. 
Bank of America advertises its " {$0.00} Liability Guarantee '' in selling its credit card program. " The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your account ''. Notwithstanding several conversations with the Bank 's fraud unit over a period of a number of months, the bank refuses to acknowledge its responsibility under its " {$0.00} Liability Guarantee ''. Rather, it insists that I purchased something from its competitor/collaberator, XXXX XXXX XXXX -- something that XXXX XXXX XXXX denies. 
The Bank today has turned its bogus claim over to credit collection agencies causing irreparable damage to my credit for which I have a claim for {$40000.00}. This will only escalate if the Bank persists. The Bank tries to insulate itself by refusing to allow me to talk to its legal department and by not answering, in a timely manner, calls to its " customer care '' department. It will not allow its employees to discuss anything to do with dispute resolution or to return telephone calls that have been disconnected. 
I demand that the Bank honor its advertised {$0.00} Liability Guarantee, that it repair my credit rating and, that it pay me {$40000.00} for damage to my credit and improper credit card cancellation, XXXX XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the date XX/XX/2018 an unauthorize transaction of the amount of {$480.00} was deducted from my account thru a XXXX XXXX atm in XXXX XXXX. I called the next day to report of the issue they got all my information two weeks later i have not received any letters or a phone call of the solution of the claim.i called XX/XX/2018 just to hear that they denied the claim because the pin number was entered right the first time. I was upset because i trust no one with my financial assets how can this be! So im seeking help thank you. 

Sincerly XXXX XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. ()

on XX/XX/XXXX18 too my dog to be treated for XXXX dr did XXXX XXXX on him and said he found nothing wrong with him. So I took my dog to a other vet clinic and that dr prescribed him XXXX I disputed with Citi bank two times and last dispute they told me if I got a letter signed by his last vet dr who took care of my dog he put him in XXXX. They told me if I send them letter signed by his last dr they would give me credit and they lied. I still have the charge in my account and that is why I contacted cfpb I hope you understand my situation and please help me I feel is not fair to pay XXXX when that dr didnt even take care of my dog all he did is test and said theres nothing wrong with him. so why did last d prescribed him with XXXX if there was nothing wrong with him. This the reason of my dispute I refuse to pay this merchant for his bad incompetence services. and he also send me a letter stating to never put foo in his clinic I feel that is like a threat and very unprofessinal. Thank you hope you understand XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account opened with Capital One in XX/XX/2018. XXXX XXXX and XXXX  DO NOT show ANY account history of this account.