davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX sent me {$1400.00} for a contract buyout in XXXX. I didn't receive the card and had to reorder the card. I received the card sometime later ( unsure of when ; approximately a month later ). My card was lost and I didn't have access to the account online as I needed the information on the card. The card expired XX/XX/2023, I found the card and called Bank of America at the beginning of XXXX and reordered a new card. I received the new card, activated it and went to log in but was unable to because of login credentials. I asked for the balance and was told it was {$0.00}. I asked why, I was told it was because the funds were forfeited because I didn't use by the expiration date. I was never notified nor warned of this " policy ''
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I receive a monthly pension payment from XXXX XXXX XXXX XXXX XXXX that is credited to my checking account held with Citizen Bank. The payment for {$2100.00} that was due on XX/XX/23 was never credited to my account. 

I have spoke to both the bank and the pension group and although these entities are within the same institution no one has been able to tell me where is my money. I have had at least 5 conversations with 4 different peoples at no avail. During last conversation with a supervisor was told to wait for up to 5 business days for an answer. 
Citizens Bank seems to engage in unfair and deceptive practices. In my opinion this in an internal matter that should be resolved immediately instead of sending customers in limbo. 

I have bill scheduled and if my pension is not credited immediately I risk penalties as well as credit score adverse actions. 
Please help
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (LA)

On my credit reports via Factual Data they have ONE DEBT " XXXX XXXX '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I am being sued in XXXX by Calvary portfolio XXXX but I can not find the debt at all on my credit reports and if it is my debt its not in Florida its Georgia and I have never received any notice of the debt
Consumer complaint received 2023-03-31
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. (VA)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

Southwest Credit Addressed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as of XX/XX/year> has been trying to collect on a debt is not mine and additional a debt that has been sold/transferred to them. Since XXXX XXXX XXXX XXXX XXXX XXXX Addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been attempting to collect them same debt that is not mine. Remove this account from my credit report.
Consumer complaint received 2023-09-06
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I went to XXXX XXXX XXXX to get tire paid XXXX with personal bank card. On XX/XX/XXXX XXXX my brakes acting improper go back to XXXX XXXX XXXX I need a brake booster repair job this is when they suggested the XXXX XXXX XXXX credit card I was approved for XXXX the work was done that totaled XXXX that was paid off. 
XX/XX/XXXX overheating did the test engine light with XXXX to find I need thermostat called XXXX XXXX XXXX who, '' said I needed a thermostat and the thermostat housing unit, radiator, valve cover gasket set, they did multiple jobs on my vehicle said needed to stop it from overheating the bill came up to XXXX On XX/XX/XXXX my vehicle overheating again Removed and replaced spark plugs removed and replaced spark plug wire set removed and replaced ignition wire coil charge for spark plugs, spark plug wires, ignition coil pack all totaling XXXX a new total of XXXX suv ran for another week before it overheated again and shut completely down.I called XXXX XXXX XXXX who had it towed back to XXXX XXXX XXXX they kept my suv for about 2 weeks.I called XXXX XXXX XXXX and was told to pick my suv up on XX/XX/XXXX. 
On XX/XX/XXXX When I turn on air entire suv vibrates. XXXX XXXX said did not pass the engine block test it needs a part that XXXX dont sell anymore I'm better off getting it from a junk yard and finding a street mechanic. 
I found a mobile mechanic who diagnosed the truck to find it was the head gasket.I paid XXXX dollars to mechanic to remove and replace also total of XXXX I paid XXXX to XXXX XXXX XXXX XXXX XXXX also XXXX for fuel injector for sensor oxygen XXXX for Head gasket and bolts kit,XXXX for ignition coil pack to replace the defective parts XXXX XXXX XXXX did spark plugs had to replace. re-paid for work XXXX XXXX XXXX did to my suv I have all the proof of payments receipts and sent everything into XXXX XXXX XXXX/CitiBank via fax with case number given to me from representative after I finally received a case after of fighting for someone to what been going though with XXXX XXXX XXXX  /Citibank.I was also told to pay minum so my credit would not be effective and promotion interest rate will not go in effect since there is a dispute of services the promotion date was over they added an extra XXXX to the bill for promotion and then another XXXX promotion expired then it went from the minimum of XXXX to XXXX.I brought my suv brand new never has any major problem until this now they are reporting derogatory marks on my perfect credit report.
Consumer complaint received 2023-02-08
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: Paramount Recovery Systems, L.P. (NJ)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX  illegally sold my medical information to XXXX XXXX XXXX in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX  and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to Paramount Recovery in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-06-21
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. (MO)

In accordance with the Fair Credit Reporting Act. XXXX account numbers XXXX and 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 : This also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2023 RE : Social Security Number : XXXX To Whom It XXXX Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Consumer complaint received 2021-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (MS)

Hi, I have been with bridgecrest all for over two years now. And during the pandemic they were saying that they were going to make accommodations. And it was nice, except they were still reporting to the credit bureau. This company completely misrepresented The accommodations. Even when I spoke directly to more than one representative, they told me that I would not be reported to the credit bureau if I paid X amount. I did what I was supposed to do on my end but I still ended up being reported and 30 points on my credit dropped. I would like something done about this, it should be illegal, we are still in a pandemic and they are still reporting late payments even with payment arrangements.
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
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. (LA)

XXXX XXXX is reporting that I am currently late every month in an account that they write off in 2019 as bad debt. They issued me a 1099-C that I had to include on my taxes and I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt. The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. Both experian and XXXX are reporting this account incorrectly despite several dispute requests.
Consumer complaint received 2015-09-05
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Accounts Service, Inc. (Indiana) (IN)

Professional Account Services, Inc. called me today, tried to get my bank account information to collect a debt. I knew I owed medical bills but I got a website from them to pay on because I do n't trust phone calls. I pay the bill online but the invoice does n't say anything about what it was for. When I call back to give them the transaction ID number for the payment they said that the debt was for XXXX ambulance rides totaling {$4700.00}, they said {$1000.00} something for XXXX and {$3000.00} something for the other one. I said ok, but when I got home I noticed that those ambulance rides only totaled to {$3300.00}. I called the original debt owner, the ambulance service, and they said that the collection agency charges an additional 40 % for themselves. I go to my bank to try to cancel the payment until I can talk to my lawyer. I could n't stop it because it was pending. I call Professional Account Services, Inc. to ask them if I had to pay the extra XXXX %. They said yes. I told them that when I talked to them earlier they misrepresented what I was paying by saying that I was paying it all to the ambulance service. They said they did n't have to tell me added on fees unless I asked, but I believed there was no reason to ask because they quoted the money going to the ambulance service bill, plus they were talking about taking me to court, plus I trusted the website which also told me nothing. Now I have to wait until Monday or Tuesday to see if I can cancel the payment through them until I can at least get everything in writing or talk to my lawyers, who are also closed until Monday or Tuesday.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NE)

As of XX/XX/2023 I wrote a letter of dispute to the company Hunter Warfiled. 
This company violated my consumer rights and the information is inaccurate. This company also violated my privacy without my consent. Hunter Warfield is also in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.
Consumer complaint received 2023-06-21
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. (CA)

My identity got compromise and these accounts were added to 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
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

our loan is biweekly with a payment amount of {$360.00} every 2 weeks. Our monthly statement show our monthly payment as {$360.00} despite that being the payment every two weeks. Our annual escrow analysis also shows our monthly payment as {$360.00} which is not even half of what would be monthly. Nationstar began servicing this account XX/XX/2015 and it has been wrong every month. We have repeatedly contacted them through their corporate offices and only get promises to fix it. We feel our statements should be correct.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My XXXX XXXXXXXX XXXX accounts have incorrect balances/ unauthorized charges on there. please REMOVE these accounts from my CREDIT REPORTS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department EDU Acct # XXXX US Department EDU Acct # XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HYUNDAI CAPITAL AMERICA (FL)

Kia Finance XXXX America my lawyer sent a reaffirmation letter to this company informng that the XXXX XXXX will not be in the bankuptcy and they stop reporting the balance and payments and that is causing problems refinancing my vihicle
Consumer complaint received 2022-11-23
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. (SC)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 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 XXXX XXXX