davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

I was billed {$270.00} by XXXX XXXX XXXX which I paid by my check No XXXX dated XXXX XXXX, 2015. My check cleared my bank account on XXXX XXXX, 2015. I subsequently received a debt collection notice dated XXXX XXXX, 2015 from Transworld Systems Inc., Collection Agency, XXXX XXXX XXXX, XXXX, PA XXXX, correspondence to be sent to XXXX, DE. I have since received further collection notices dated XXXX XXXX, 2015 and XXXX XXXX, 2015, despite the fact I advised the collection agency on XXXX XXXX, 2015 that I dispute the debt because it has been paid.
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. (NC)

I have reviewed a copy of my credit report and I show company 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 2017-03-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (WA)

Two issues:
1. I did not receive the right to verify debt, and
2. Debt collector falsely reported XXXX accounts to credit reporting which has lowered my score.

I have asked them in writing, and via phone, to remedy this.
Consumer complaint received 2015-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.
Consumer complaint received 2021-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 70 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 70 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

US BankXX/XX/XXXX Card Services XXXX XXXX XXXX XXXX, MD XXXX Re Account # Ending XXXX To Whom it May Concern ; I spoke with four different Customer Service and Collections personnel onXX/XX/XXXX. I received no customer service. I was inquiring how to reopen my account now that it is current and below the credit limit. I was told that my account could not be reopened and that I would have to reapply at XXXX, with no guarantee of getting a new account. 

This means in essence, I have to keep paying on a credit card that I can not use. Having a closed status with the credit bureaus acts like a charge off with me not being able to utilize a card I am paying for. 
I hope I am not induced to file a complaint with the Credit Bureaus and Consumer Financial Protection Bureau. Can we try some customer service instead, please. 

The reason for US Bank closing my account is noted as I took my phone off your call list with a cease and desist. I explained that I religiously called customer service prior monthly re any change or updates in my ability to make my payment and available payment options. 
You can not justify this procedure with no valid customer outcome. 

Why cant it simply be reopened? 

I dont have to tell you how challenging this last year has been. 
I have 96 % rate for paying my monthly bill, and prior to the pandemic I had a perfect payment history. 

I need you to manage a way to reopen my account. I will update the cease and desist re calling. 
I look forward to our next steps in a timely manner. 
Please advise. 

Sincerely, XXXX  CC XXXX  XXXX XXXX Consumer Financial Protection Bureau
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (RI)

I'm a Simple customer attempting to transition to BBVA. The transition started XX/XX/2021 but I have not been able to complete it due to various errors in their system. As a result I can not see my bank balance, make deposits or withdrawals, see my transaction history, etc. My card does still work and auto payments are being deducted as expected. BBVA has made several vague tweets about the issue but has not contacted me personally ( via email/phone ) and I was not able to reach a support rep via phone.
Consumer complaint received 2021-05-09
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: CITIBANK, N.A. (IL)

Citi app shows for dispute XXXX that a conditional credit of {$1500.00} has been issued while Citi continues to investigate issue. However, it has been many weeks and the credit still has not posted on my account.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Good morning to your good office. First and foremost, I would like to emphasize that this is not a duplicate problem. It's actually a recurring problem. This is the second time that PayPal has permanently limited my account for no valid reason at all. I badly need help. Please help! Please help! What they did to me the second time around is really unfair and baseless. I repeat please help.
Consumer complaint received 2023-05-03
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX  must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 2021-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc. (OK)

When I was residing in XXXX, Alaska in XXXX I had been taken by ambulance from XXXX XXXX to XXXX XXXX. While the Dr was tending to me my fiance ' provided the billing department with my Drivers License as well as my XXXX card and XXXX XXXX card. I am 100 % XXXX and have been since XXXX, however the ER Dr 's office did not file under my insurance within the twelve month period they have to file under. More than a half dozen times in the past two years I have filed a dispute via XXXX and every single dispute has come back in my favor as being correct insurance information had been given to the hospital billing department in XXXX, Alaska on the date that services were rendered. However, everytime Cornerstone Credit Services LLC is forced to remove this collection, they turn right around and file against my credit file again. They are absolutely ruining my credit and preventing my fiance ' and I to be able to proceed with the process to purchase a home for us and our children.
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)

I was a Simple bank customer and loved it. In XXXX, it I was I formed that Simple bank would be closing and that XXXX account would be converted to a XXXX account seamlessly. Again, I want to make clear how much messaging was directed towards customers that the transition would be automatic and seamless. 

Well, the transition has been a failure at every turn. XXXX, along with thousands of other customers, can no longer access their accounts. They were tremendously underprepared for the switch. 

Whats been more disappointing is how they have handled things from a customer service perspective. They direct customers to various numbers, only to be hung up on. Whats more, you can find dozens if not hundreds of videos on XXXX showing customers getting a pre-recorded customer representative stating, sorry, cant hear you, call back! 

I want access to XXXX funds, and I want honesty from XXXX.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I opened Huntington bank checking account in XX/XX/2021 when they advertised {$150.00} opening bonus for direct depositing {$1000.00} or more to the account. I met this requirement with direct deposit of {$2000.00} on XX/XX/2021. However, I have not received the opening bonus yet.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-01-04
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)

This is my 5th 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 : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-24
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. (CA)

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 XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX 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 : 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 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 2023-02-03
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: Experian Information Solutions Inc. (IL)

XXXX accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-08
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. (FL)

XXXX XXXX a charge appeared on my Chase Visa account for {$1400.00} from XXXX XXXX. When I received the statement, I contacted Chase and advised I did not make the purchase. Chase phone number XXXX Chase removed the charge from my account. I thought it was taken care of. 
One my XXXX statement the charge appeared back on my account. I again contacted Chase and they said XXXX said I made the purchase. ( note I never received a call from Chase before it appeared on my card again XXXX The routing number for the purchase from XXXX was XXXX XXXX. It left XXXX facility on XXXX. On XXXX the address was corrected and left at a front door in XXXX, FL no signature required. I live 3 hours away from XXXX. I have tried to contact XXXX to no avail to see who ordered the change of delivery location or where it was delivered, but I could not get a hold of a real live person. 
I called XXXX on XXXX at XXXX, and after waiting 95 minutes a person told me they would refer it to another department. I had also sent XXXX an email on XX/XX/XXXX to XXXX. This person I spoke with found the email and said she forwarded it to that dept. Her name was XXXX. ( Additionally, I contacted XXXX in XXXX and waited 45 minutes before talking to a live person ) this is the customer service department XXXX. 
I also filed a police report with XXXX XXXX Police XXXX. on XXXX. XXXX XXXX took my statement and the case number is XXXX. Phone number XXXX I have told the police dept to prosecute the person that stole my credit card. 
Today I received a letter in my email from Chase saying the they confirmed the transaction was valid. The phone number on the letter is XXXX they are currently closed. I also emailed XXXX today XX/XX/XXXX to see if she sent this after I spoke with her on Friday XX/XX/XXXX. 
I am not sure if this is important but I was in XXXX XXXX Florida on XX/XX/XXXX to the XXXX and used this card at XXXX XXXX XXXX on XXXX in XXXX XXXX and also at XXXX XXXX  of XXXX XXXX XXXX XXXX. 
I will be happy to forward you any documents you need but most have personal information on them.
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. (TX)

My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!
Consumer complaint received 2021-05-08
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: EQUIFAX, INC. (MI)

I have sent several request to the named companies as well as the credit reporting agencies to advise them that I DID NOT AUTHORIZE the inquiries on my credit file. They still remain on my credit file and all credit reporting agencies have failed REPEATEDLY to provide me with documentation to show where I authorized such. They will not be able to do so, because I only authorized XXXX XXXX XXXX to pull my credit file. Both the dealership and the salesman have advised me that they only submitted an application through XXXX XXXX XXXX.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (RI)

On XX/XX/XXXX I made a U {$5000.00} transfer with Wise XXXX transaction # XXXX XXXX. The money was wired from my bank account to Wise account on XX/XX/XXXX, Up to date XX/XX/XXXX the money has not been transferred. Worse than that, I have been contacting wise daily through chats, emails, and complaints, and have already sent them the transaction receipt along with print screen of my bank account showing the transaction went through. They apologized for the delay and told me this would be solved. Now they are simply not answering
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from XXXX XXXX XXXX stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. XXXX XXXX dismissed my statements and said I would have to pay that amount.
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. (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 2021-05-08
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: BARCLAYS BANK DELAWARE (PA)

Barclays credit card had zero balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. Barclays investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with XXXX  and XXXX, but not XXXX. XXXX  complaint was settled with the the balance being maintained by Barclays. Waiting for XXXX result. All credit reports are still down XXXX points.This was after Barclays promised to take care of the problem on their end two weeks ago.