davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I went to XXXX XXXX medical center in XXXX a few years ago around XXXX. My experience there was TERRIBLE while on the bed trying to explain what was going on the Dr. Told me I have patients that are dying and that's more important than what's going on with you. She proceeded to walk out and I was discharged while still in pain and nothing was done. My insurance paid for this incredibly neglectful service. As of XX/XX/XXXX the same hospital sends me a collection bill of {$1500.00}. Again I have not one but two insurances, one of my insurances alone covered the entire bill. The dispute was found to be correct my insurance paid this contract but yet they are still going after me for this amount and my credit score has been affected for almost two years as this is the biggest debt I have in collections. It was filed incorrectly, and they are coming after me vigorously and maliciously for a debt that was already paid.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Prince Parker & Associates (OH)

On XXXX XXXX, 2015 received debt letter. On XXXX XXXX, 2015 My attorney sent dispute letter asking for valid debt instrument. On XXXX XXXX, 2015 ( over a month after dispute letter XXXX received letter from debt collector sent to me. 

There was a mistake and I do not owe the debt, they continue to harass and contact me instead of working with my attorney.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My car was totaled XX/XX/XXXX, the finance company who was XXXX was paid by my car insurance company and the gap insurance company to cover the total amount of the vehicle. My husband and I tried to purchase a new car and found out that XXXX put a charge off on our credit. When I called the agent said it was a clerical mistake, someone put it was charged off/repossessed instead of a total loss. They said they needed a supervisor to correct it, the supervisor refused and said we owed over {$3000.00} in late fees and other fees that accumulated after the total loss. I tried to explain to them we didnt have the car it was totaled and there should be no charges after the total loss date, they still refused. We even agreed to pay them if they would delete it from our credit and give me written proof. I had an agent agree to do that only to be told that they would not delete it off our credit because they cant, which I know they can and they would not give me proof. I told them I would speak with a lawyer at this point. I spoke with a lawyer who said not to pay it and no longer have contact with XXXX, that they would speak with them on my behalf and my husbands behalf. I called back to try and resolve this issue again they still would not work with us. I told them we would not pay it and I would fight it with the credit bureaus, m. They said that they would wait until the 28 day mark on the 30 days they have to respond and would fight it back. They said they would keep doing it because they have better more expensive lawyers and would sue me for everything to get the money and then they would sell it to someone else so it would never end and ruin my husband and Is credit. They also said that if I wait until the 7 years for it fall off they would just sell the debt and keep reselling it. I dont know what to do at this point but its ruined our credit and continuing to ruin it so we can not get another car or even our fist house. It is supposed to fall off in XXXX but Ive been fighting with them and the credit bureaus to try and get it off sooner and hopefully reverse the damage, Ive been working with my lawyer as well but we are having a tough time. The credit bureaus keeping saying it a valid debt even though they information they have reported is incorrect, we never had the car repossessed and I even have proof from my insurance company, the gap insurance company and a police report to prove the information is incorrect but they still wont remove it. XXXX is the worst company we have ever had to deal with and refuses to work with us at all. Im just afraid that when its supposed to fall off that they will follow through with the treat and sell the debt and it will never end and we will never be able to get another car or our first house
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Around XX/XX/XXXX, XXXX encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

Comenity 's actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

BBVA bought out my bank SIMPLE BANK, and transitioned my online services on Saturday XX/XX/2021, ( XX/XX/2021 ) this required me to set up a new sign in ID and Password, after attempting to do so, I was locked out of my account. after trying to connect with their costumer service as advised XXXX XXXX XXXX XXXX XXXX I was repeatedly hung up on, and have received no further assistance.
Consumer complaint received 2015-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CT)

Received a call from this number. Called it back and was told they were calling from Alternative Dispute Resolution or ADR and was asked to verify the last XXXX digits of my social, which I DID N'T and then was told " Do n't worry because we 'll be sending a sheriff out to your house. '' at which point I laughed in his ear and told him that he really would n't and then hung up the phone. They called from XXXX.
Consumer complaint received 2017-09-08
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. (DE)

I opened an account with XXXX on XX/XX/XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XX/XX/XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XX/XX/XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

So far today XX/XX/2024, I have tried to unfreeze my account on line, but was locked out. The system doesn't recognize my SS #. 

I have made 6 telephone calls. For the first 5 calls, I have been locked in a loop in the automated system and then THEY HUNG UP ON ME.

On the last ( 6th call ) I finally reached a human being and she had a strong accent and was difficult to understand. She asked for my phone number in case I was disconnected.

I told her I need to temporary unfreeze my account and she hung up. She never called back.

I have applied for a credit card and am unable to get one because of this.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX/XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-09
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. (TN)

I reviewed my XXXX XXXX, Equifax and XXXX credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XXXXXX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX XX/XX/3019
Consumer complaint received 2021-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one inquires on XX/XX/XXXX and XX/XX/XXXX .... 
XXXX Bank inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
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: Westlake Services, LLC (DC)

I have reviewed a copy of my credit report and I show company WESTLAKE FIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I had a mortgage with HSBC and I refinanced with the bank in XXXX, but I never received my form 1098 for my old mortgage from the bank. The deadline to file XXXX taxes is XX/XX/XXXX and I contacted the bank multiple times to ask for a copy of form 1098 since XX/XX/XXXX. HSBC didn't care about my request and was not willing to expedite it. Even though HSBC kept telling me that they already sent me the form, but I don't believe it is true, because I have been waiting for the form for more than 14 days since XX/XX/XXXX. The bank was uncooperative and not transparent throughout the whole process. I am not able to file my taxes on time due to the missing form 1098.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (NV)

Between XXXX and XXXX BBVA failed to protect my account and illegally and unlawfully allowed some one to unlock my account call for ACH transfers and Use my debt card at a rate I never had. BBVA failed to secure my account when all the Suspicious transactions and purchases were being done BBVA allow a repeat of transactions to be done over and over BBVA allow ACH transfers to be done that Ive never been done before BBVA feel to protect my account has calls me a loss BBVA has ignored my demand to resolve this issue, failed to assist me in getting my funds back, and has not responded to my emails, letters, or calls. I have emailed BBVA several times, went to the branch, and still to date I have been assisted by BBVA. Im demanding a full refund and audit of my account to ensure all illegally removed and transferred funds are replaced in my account l.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IL)

On XX/XX/2021 Simple Bank Checking and Savings accounts which were managed by BBVA were transitioned to BBVA Checking and Saving accounts. Initially, BBVA sent instructions for how to complete transitioning your account to BBVA 's services. In this process, multiple system errors occurred with both the online banking webpage and the mobile banking app. Customer service was unavailable to answer calls when open and was unable to resolve the issue after the account was locked despite following steps detailed in BBVA 's instructions for transitioning the account. 

On XX/XX/2021, I learned that these issues were persisting and I had not heard any updates from BBVA via e-mail. Later I found that BBVA was providing updates on these issues via XXXX, but failed to reach out to account holders via e-mail addresses. When calling customer service on XX/XX/2021 extremely long holds and failure of customer service agents to address issues continues to mean I and others have been unable to access their bank accounts, transfer money, and make changes to accounts. These inabilities to make changes are likely to result in failed payments, missing funds, and unauthorized fees due to the inability to make changes to the account settings. The company, BBVA, continues to fail to address these issues.
Consumer complaint received 2021-05-09
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. (DC)

I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MI)

I have additional information on an open complaint number : XXXX. Wells Fargo failed to auto pay my VISA credit card account as outlined in the current complaint. On XX/XX/2021 they added an charge for interest on the balance they claim to be outstanding. I would like my complaint numbered XXXX to be updated so the resolution desired includes the reversal of the charge for interest on the alleged balance.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NC)

Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc. (FL)

After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records.
Consumer complaint received 2021-05-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX DOB:XX/XX/XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX/XXXX XXXX XXXX XXXX account is reporting 30,60 and 90 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NC)

I'm unable to access funds and account information after BBVA transitioned all Simple accounts to their services. Account creation doesn't work. No one is answering the phones at prearranged times. The bank didn't send any specific instructions. BBVA is only communicating contact information via XXXX to phone numbers I can not verify. For users who can get in, they're charging large fees to transfer funds out. This feels like fraud.
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (GA)

XXXX XXXX sent Zelle payments and someone other than myself withdrew the money. I did not authorize these transfers and XXXX XXXX shows I did not receive the money and XXXX XXXX altered my statements.
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-08
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. (NV)

I am not sure what happened to cause XXXX XXXX XXXX Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies XXXX, Experian, and XXXX  the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX Bank XXXX XXXX XXXX. I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.