davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TX)

In XX/XX/XXXX I received medical attention at XXXX XXXX the total bill was for {$1000.00}. 

I made arrangements to begin paying the bill at the site : epay.parallon.com ( a Medicredit site ) with the first payment of {$170.00} being due on XX/XX/XXXX. 

They have continued to call and harass me about this debt weekly and even daily from multiple numbers stating that I am not paying the debt. I called the company on XX/XX/XXXX I called and explained in detail the payment arrangements that I had made on the debt. Again, on XX/XX/XXXX, I explained in detail the terms of the payment of this debt. I explained that my son had just died on the XXXX and that the debt was being paid and to LEAVE me alone during this difficult time and that any further contact would be considered malicious and cruel as the debt was being paid. They continued to call me on the XXXX, and XX/XX/XXXX, XXXX, XXXX from the primary number and from several other random numbers that showed up as Scam likely. But identified themselves as Medicredit. 

I received a threatening letter about the debt and an offer for a lower amount, when the final payment will be XX/XX/XXXX and the total debt in the amount of {$1000.00} will be paid. They deleted my online account to view where I set up the payments and refuse to allow me access to that account. I had used it to pay another medical bill this same year. 

I explained this to the people on multiple occasions even providing bank account reference numbers.
Consumer complaint received 2023-07-05
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. (TX)

I filed a dispute on XX/XX/23 for the tradeline XXXX XXXX XXXX XXXX. I received a letter after I filed this dispute from the company after reaching out to them and the letter states they will remove this tradeline within 45 days. I don't have 45 days to wait because I'm looking to buy a house. I have attached the letter from them and highlighted the paragraph toward the end of the letter that states this tradeline will be removed. Can you please removed the tradeline per this letter as soon as possible please? Thank you.
Consumer complaint received 2022-11-18
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 (NC)

My card had unusual activity on it and Bank of America texted me questioning the activity. I confirmed back to them that the activity was not made by anyone with appropriate access to the card. I also went online and disputed several other transactions. It said the card would be locked. They called but I did not see the call, so I got a voicemail asking me to call back. I have tried to call back several times only to be placed on an endless hold ( over 30 min each time ) before I have to hang up due to other commitments. I told my wife not to use the card anymore as it would be locked. Today she said she accidentally used it and it went through this morning to my surprise. I went out and looked and we are continuing to get fraudulent charges! I again called. Again I was on hold for over 30 min with no answer. I tried to lock the card myself with their online system but that is no longer available either on my mobile or through my computer. They are literally making it impossible for me to get this stopped or fixed. I would be happy to close all accounts with them at this point if I could even do that online or get ahold of them!
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I contacted Chase Bank regarding my Prime/Visa card. To begin I must have inadvertently signed up to go paperless when I applied for the card, as the lady I talked to said often happens. 
I made my first charge on XX/XX/2023 but I never received an email or text invoice or any communication with Chase until I received a paper notice this week with a {$29.00} late fee. We have never paid a late fee and while I should have been more careful I belief that the late fee was the result of Chase 's poorly designed website because Apparently I was not the first person to fall into this. 
When I called Chase 's customer service line the girl could not help me because I could not verify I worked at any of the Corporations they named or lived at any of the addresses they had. She said that a representative would contact me but I know how that works. I just want this resolve one way or the other.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (WA)

I sent a XXXX letter to Experian asking that reach out to who is reporting this information and provide me proof of verification that this account belongs to me which. All they responded with was account verified and I know by law they have to send me something in writing that proves it is me. So they updated my report with false information.
Consumer complaint received 2023-06-07
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. (TN)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

I am a former Simple user and I have not been able to access my account since it was converted to a BBVA account on XXXX. I, along with a vast majority of Simple users, have attempted to reach their customer service line and the calls disconnect after one ring each time. I can not access my account or my funds and it is unacceptable.
Consumer complaint received 2022-11-18
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. (OH)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (WI)

I received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on 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 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
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

Step 1 : What is this complaint about? XXXX XXXX once XXXX requested proof of insurance.

Step 2 : What type of problem are you having? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it receved proof of insurance. I want an explanation and an apology. 

Step 3 : What happened? Company issued threatening letters to me during the Coronavirus time of duress because it did not have proof of insurance. Once I produced proof of insurance, I called the XXXX  insurance department and complained about the threatening letters and threatening tone of the letters. I indicated that many other financial companies are issuing refunds, returning premiums and essentially being kind to their respective customers during the CoronaVirus time of duress. I asked if the company representatives were aware of the news and requested that I be contacted by a supervisor and receive an explanation and an apology. I haven't received any communication from the company other that XXXX providing a letter indicating that it received proof of insurance. 

Step 4 : What company is this complaint about? Threatening tone of communication to its customers and degrading tonality in XXXX written communication. Lack of awareness that the country is in a national emergency and apparent refusal to adapt processes and procedures like many other financial firms have done. 

Step 5 : Who are the people involved? XXXX  XXXX C/O PHH Mortage Services.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2017-04-09
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (LA)

On XX/XX/XXXX I leased a XX/XX/XXXX XXXX vehicle through the GM Auto Leasing process. On XX/XX/XXXX GM Auto Leasing repossessed that vehicle for no apparent reason. I twice wrote to them in search of a reason or rationale for having so abruptly removed this vehicle from my custody, in the middle of the night without my knowledge or consent. No reply has been received to date of this complaint to your agency. 

I see this as a blatant violation of the XX/XX/XXXX Consumer Credit Protection Act. 
All bank payments were current ; and the vehicle was duly insured. I remain at a lost for any kind of a answer to the age-old question of " Why? '' Your examination of this matter is greatly appreciated, as I am an elderly minority who has devoted his whole life to doing the right thing and living responsibly.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to   XXXX   -- that I did not know existed.     HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  (   See  HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated  by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well less than XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new XXXX or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? It feels like I am being held hostage to some outrageous unknown extortionist. 

Please help. 
XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (NJ)

Since XX/XX/XXXX I have been trying to activate my EPPICard, however I have not been successful. There is a typographical error with my social security number that is preventing me from activating my card. I have made several calls and have submitted documentation to verify my correct social security number to no avail. On XX/XX/XXXX, I was told that I needed to contact the Social Security Administration and have them to call Conduent and verify my social security number. Of course, that is not a function of the Social Security Administration, my verification is my social security card. I have been asking to have this issue escalated for days and I have not been provided with a contact person to resolve this matter. On XX/XX/XXXX, I spoke with a supervisor who had me to email my documents again while she was on the phone and she manually verified my identity. This was great, however, she only lifted the fraud alert on my account but never updated my social security number. I still do not have access to my child support funds.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to report an ongoing issue with a credit bureau regarding the removal of fraudulent inquiries from my credit report. Despite multiple attempts to contact the credit bureau, they have failed to remove these fraudulent inquiries and have violated my rights under the Fair Credit Reporting Act ( FCRA ). I request your assistance in resolving this matter as soon as possible.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I had asked Equifax to remove hard inquiries from my credit report and filed the disputes, they said they would contact the lenders to verify the information in which I believe they did not because the response was within one hour which is very fast if your contacting making multiple contacts. Another reason I believe they lied to me about their process because the other two credit bureaus and filed disputes with them as well and when they contacted the creditors they agreed it was fraud and deleted all my hard inquiries. So I do not see why how Equifax would have different results than the other two bureaus. I filed disputes twice and called once and they would continue to give the run around and not want to truly help.
Consumer complaint received 2022-11-18
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I made a payment via Moneygram on XX/XX/2019 at the XXXX XXXX, GA location inside of Walmart to go to XXXX XXXX XXXX XXXX for the total amount of XXXX. The amount that was supposed to be paid to XXXX XXXX XXXX XXXX was XXXX. The payment was returned by Moneygram and we don't understand why. The amount was debited from our Debit card and I will attach proof of that showing it. XXXX XXXX stated that it was returned. I decided that before I dispute the transaction that I would file a complaint. I am not pleased with this issue and I want it resolved asap.
Consumer complaint received 2022-11-18
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. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 Equifax data breach and may have got into the hands of the wrong person.