davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

I was in an accident on  XXXX   XXXX ,  2016. I  continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by  GM Financial  on  XX/XX/XXXX . I paid  XX/XX/XXXX  another payment as there was still a balance. I paid  2  payments in  XX/XX/XXXX  as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that  GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial  web site and look at the payment history which is inaccurate. It shows all payments from   XX/XX/XXXX  on, as being received in  XX/XX/XXXX , when only one payment was received in  XX/XX/XXXX .  I tried several times to speak with  GM financial  because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in  XX/XX/XXXX  from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in  XX/XX/XXXX  it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I  may  have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.
Consumer complaint received 2017-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (SC)

On  XXXX   XXXX ,  2017 , I submi tted a certified HIPAA validation letter to PMAB , LLC for an account that is still listed on my  XXXX  credit report in the amount of {$890.00}. My letter specifically requested for validation of the debt by providing me with something that shows my signature giving my permission to the medical facility/provider to release my information to a third party collection agency and received an itemized bill but nothing containing my signature. This is direct violation of many HIPAA laws and I am requesting to have this debt removed from my report because PMAB failed to provide validation of this debt. Also, the debt was previously removed from my   XXXX   XXXX   XXXX   report due to failure of this company providing validation of the debt.
Consumer complaint received 2017-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (NC)

I have a a unverified account from  TRIDENT ASSET MANAGEMENT  #  XXXX . I have never done business with  TRIDENT ASSET MANAGEMENT.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that  TRIDENT ASSET MANAGEMENT Pr ovide verification of the following  : 1. )  The original Application or contract ;  2. )  Any and all statements allegedly related to this debt ;  3.  ) Any and all signed receipts ;  4.  ) Any and all canceled checks  ; 5.  ) Original date of default and collection activity begin  6.  ). Whether you purchased the debt, and if so, the amount paid for the debt  7.  ) The date  ( s ) t he debt allegedly accrued ;  8 . ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  TRIDENT ASSET MANAGEMENT Ce ase and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-05-20
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: Experian Information Solutions Inc. (CA)

A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (MD)

Received a prepaid debit card as gift and used it in the past. Was supposed to have a balance of {$3.00}. Says to use  XXXX  to check balance. When using web site does not access account info. There is no phone number on the card. Web site shows  XXXX   XXXX   XXXX   XXXX  as number. After calling agent said card is 'purged '. Asked company name, responded with  XXXX   XXXX  '. Asked full name of company, would not answer, even simple questions as whether it wa s Inc, cor respondence address for legal dept, etc.   Back of card has  " U.S. Bank National Association '' printed.
Consumer complaint received 2017-05-20
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: EQUIFAX, INC. (CA)

A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a threatening voice mail from an  XXXX   XXXX  stating that she was from HSBC at  XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.
Consumer complaint received 2023-06-08
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

My wife and I were honeymooning in  XXXX  over the holidays in  XXXX . On our first day in  XXXX ,   XXXX   XXXX   XXXX  , we were taken unexpectedly through an elaborate manipulation that landed us in  XXXX   XXXX , a tailor that we thought at the time was legitimate but soon after realized we had been swindled out of {$1700.00} in clothes. Within the hour we immediately ran to the hotel, and confirmed our fears with the front desk who advised us to call our bank right away. So, we did. While my wife was on the phone with CHASE I used the hotels cell phone to call the store, talked with the owner and after much debate we hung up confirming the cancellation of the sale. As my wife wrapped up her conversation with CHASE what was understood on our end was that the charge would be placed on hold and would not go through. Our next course of action was to then take it up with the Fraud Department, which we did. However, in  XXXX  we received a letter in the mail that  Chase  ruled in favor for  XXXX   XXXX  because I signed a " no refund '' receipt. So I then contacted the  Executive  Office of Chase on   XXXX   XXXX   to, once again, explain our case. The Executive Office responded now that they can no longer help us either.    1 )   XXXX   XXXX  manipulated a sale. It is a fraudulent situation. There are many  XXXX   XXXX  reports stating the same thing. We would be happy to print them up for you and/or send web links for your records.    2 )  We called right away to confront and stop the charge. We followed  Chase  's directions which was to contact the merchant and agree on the cancellation of the sale.    3 )   XXXX   XXXX  is lying in their report. They never came for a second fitting to our hotel. They didnt make our garments already ; there is no way. Its impossible. We called them, and  Chase  within an hour after leaving the store.    4 ) If they DIDNT  cancel the sale then they should have sent the garments to our hotel in  XXXX  on   XXXX   XXXX   XXXX  , which was the initial agreed upon shipping location and date. That never happened.    5 )  We dont understand why the money was released and even processed to  XXXX   XXXX . The whole reason we called right away was to catch the processing of the payment before it went through, which we understood was successful on   XXXX   XXXX
Consumer complaint received 2023-06-08
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. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-04
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. (CA)

This is my fifth attempt to get issue resolved XXXX XXXX XXXX XXXX I have submitted complaints already with only responses " We apologize and are sorry. Or we do not take care of the issue. In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the credit information exposed by Equifax. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please also address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC. (FL)

In all my credits reports appear that I authorize to request my credit report to different banks when I did not authorize this. The companies are : 1. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX-XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 6.XXXX XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (GA)

Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX not reporting accurate information on XXXX credit agencies ... XXXX Transunion my account it states that the account was opened XX/XX/XXXX but on XXXX and XXXX it states the account was opened XX/XX/XXXX. Last payment on Transunion is dated XX/XX/XXXX but on XXXX report the last payment is dated XX/XX/XXXX. There is no last payment details on XXXX report. Transunion report states that the account was closed XXXX/XXXX/XXXX. However there is no information on date closed on XXXX or XXXX report. XXXX report shows " failure to pay '' starting XX/XX/XXXX. However, Transunion and XXXX is showing XXXX 30, 60 or 90 day late payments. I ask them to correct this information and their response was " we are not obligated to provide all of the documentation you requested. ''
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (PA)

In  XXXX  of   XXXX  , Hunting Bank repeatedly presented me, upon log-in to their website to check the status of my checking and savings accounts with them, with an advertisement offering a {$100.00} bonus added into an existing savings account upon the deposit of {$5000.00} or more in new funds into the account. I have a screenshot of the offer. I am/was abroad, and thus not able to comply with the stipulation to " visit a local branch '', but I called an spoke to a customer service representative ( call initiated at    XXXX   XXXX     XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   ) who assured me that this would not be a problem. The funds were directly deposited into my Huntington checking account by my employer on the  XXXX  of  XXXX   XXXX  prior to the deadline of  XXXX   XXXX  stipulated in the offer ) and I promptly transferred {$7700.00} into my existing Huntington  XXXX   XXXX  Account. In speaking with the customer service representative - identified as  XXXX  - he assured me that this would be acceptable and would not render me ineligible for the offer. When I pressed him for some proof of this assurance, he informed me that the call was being recorded.     The offer stipulated that the deposit of the {$100.00} into my savings account was to take place within 14 days. I called Huntington Bank regarding the non-payment of the money on  XXXX   XXXX ,   XXXX  , and was told because the money had been deposited first to my checking and then transferred to my savings ( within a matter of hours  XXXX , I was not eligible to receive the bonus. In a world of digital banking, this is an absurdity of hair-splitting - the end result to the bank is precisely and exactly the same. The fact that  Huntington  Bank 's customer service representative had assured me that this would not be an issue, inducing me to transfer the money to my savings account in the belief that I would receive the offered bonus, further leads me to feel that I have not been dealt with in good faith and have in fact been deceived. The bank has received over {$5000.00} of money into my savings account not formerly deposited with Huntington Bank, in timely fashion ; I have not received my bonus. I would warn consumers against having any dealings whatsoever with Huntington Bank, as their dishonesty in this matter strikes me as blatant, inexcusable, and petty ; I 've been given the run-around over the merest of technicalities -  XXXX  of no practical importance to the bank whatsoever - in order to save them {$100.00}, after repeated assurances on the part of an employee of theirs that I qualified, would receive the bonus, etc.