davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: S&S Physician Services, Inc. (TX)

PATIENT : XXXX XXXX PROVIDER : XXXX XXXX XXXX Collection : HARVEST ASSOCIATES I, XXXX XXXX, XXXX, TX XXXX ( XXXX : XXXX XXXX ) Emergency SERVICE DATE : XX/XX/XXXX XXXX XXXX of Texas CLAIM # : XXXX I went to XXXX XXXX XXXX at XXXX, TX on XX/XX/XXXX and was treated by XXXX XXXX . I gave all insurance and contact information to the staff. I only received one bill  from the hospital and paid in full when I received the bill. It is in XXXX, XXXX, when checking my credit report, I noticed there is a collection of {$1400.00} against me. I called the hospital and was told it is from the doctor, not from them. I had not and have not received any bills from the doctor and the collection. So, I called the the collection, and according to them, the doctor did not get my contact and insurance information from the hospital and thus gave the debt to them. They admitted that neither the doctor nor the collection have ever contacted me about the bill because they don't have my contact information. I told the lady it was not my fault because I gave the information to the hospital and they had my information and sent me the bill and the insurance claim for their part. It is the doctor 's and the hospital 's responsibility communicate the information correctly and timely. It is unfair to penalize the consumer by putting this directly to the collection and to the credit report, negatively impacting my life. I also gave her the correct address and the correct insurance information. She promised the collection record would be removed from my credit report after the insurance paid. However, after they successfully claimed the insurance on XX/XX/XXXX, the collection record is still on my report showing a smaller amount due. Fine, if it is something I owe I will pay, but until today I have not received anything in the mail from them. It is very unethical that they did not do what they promised, which is not my fault from the very start to the end anyway, and did not communicate anything once they have got the money. I called their number, but could not reach them this time.
Consumer complaint received 2020-09-29
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)

Equifax did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (GA)

Absolute Resolutions HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT. I'VE HAD NO DEALINGS WITH THIS COMPANY Absolute Resolutions. RECENTLY ON XX/XX/2020 Absolute Resolutions REPORTED A {$11000.00} COLLECTION ON MY CREDIT REPORT THAT IS INACCURATE. 

THIS Derogatory mark HAS REALLY AFFECTED MY CREDIT SCORE IN A NEGATIVE WAY.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I applied for a Citi XXXX XXXX XXXX XXXX online and it told me I needed to unlock my credit. I did that and then continued to apply online and was denied even though I have impeccable credit. I then called in and spoke to a representative who told me they could assist over the phone, they proceeded to pull my credit and I was approved. They then said it will take 14 days for you to get your card, I said I need to book flights tonight thats the only reason I applied for this card and she said oh sorry you can only get the card number instantly if you apply online which I had originally done. The phone representative should have told me before I proceeded that it would be 14 days till Id get the card I would never have proceeded with the application, extremely misleading. I then called back and asked what they could do to make the situation better and I eventually got to customer retention and they said oh sorry you havent been a client for 48 hours youll need to call us back then to see if we can do anything, what a kick in the teeth. I dont expect better from citi to be honest they are awful in every sense of the word
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (CA)

Experian did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I submitted my complaint XX/XX/XXXX about the following transactions. 

I sent receipts on XX/XX/XXXX. 
On XX/XX/XXXX I received the letter saying that they did not receive the receipt. 

I didn't call on XX/XX/XXXX and was told that they did receive my receipts and that that there was nothing that they could do about it. 

The agent then told me that she can resubmit the dispute. I have not heard a response since. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance {$460.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX VA XXXX XXXX ) XXXX Balance {$1600.00} ; Bankruptcy XXXX XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CIBC BANCORP USA INC. (TN)

Hello, CFPB officials. I have made multiple calls, sent two different emails, and personally visited a branch in XXXX, IL of CIBC USA to establish a checking account there. My inquiry was to know if I could open it with a money order or cashier 's check, because the stipulation from their website is that it must be opened via branch representatives. 

After multiple calls and being hung up on or on hold for an hour each time I had sent a first email to customer service which had me redirected to the same phone line again. 

I then went visiting the regional branch in person on XXXX XXXX XXXXXXXX XXXX in XXXX on the XXXX of XXXX XXXX, only to be misunderstood by representative XXXX XXXX that she thought I wanted an agility savings account. Her message to me was that I was out of their footprint by living near XXXX, TN. She also provided no directions on the ability of cashier 's checks and money orders to generate accounts. 

Clearly, to avoid hassles, a residency requirement must be clearly posted for potential clients to see. Most banks and credit unions look to that as a good policy because they see opportunity in diverse banking relationships. 

I prefer that if someone is going to discriminate against me as a XXXX man from opening a bank account, then tell me straight up. Why cower when all my bases are covered? It's not like I want her for a credit account or anything. A simple place to stick a little cash to sit is all I wanted and she would not be wise enough to give me that. It didn't make any more sense than suggesting one of their accounts, being out of their footprint.
Consumer complaint received 2022-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have submitted several disputes regarding XXXX  charges. Capital One is my credit card company. They are not helping me resolve the dispute. They just require information that I already sent. When I send it again, they charge me back and close the case. HELP!
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter to Transunion on  XXXX   XXXX ,  2017 via C ertified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back stating that it was verified, but did not state by whom it was verified. The letter that I sent included a letter from Alabama  Federal Court sta ting that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the court, and the letter is proof of this.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I am not receiving my money in my checking account from winnings I purportedly received from my online cash games. I was receiving notices on my online checking account that I was receiving " Uncatagorized '' items but those would just disappear. XXXX customer service representatives didn't know what " Uncategorized '' meant either. 

I bank with XXXX XXXX XXXX at their XXXX branch at XXXX XXXX XXXX, XXXX, FL XXXX and their Fraud Center phone number is XXXX. I understand that XXXX has been communicating with PayPal regarding my winnings. 

I cashout from my online games with PayPal and their customer service department is XXXX and their email address is XXXX. Their corporate offices are located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal receives the money from these online games and then PayPal then sends the money to my checking account.

I don't know where the disconnect is happening that's preventing me from receiving my money. The games signifyonline in the games cashout sites that the money was sent to PayPal. My PayPal account is XXXX
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (FL)

In XXXX I had XXXX  XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX and I disputed it directly with the XXXX. To this date, they never provided a breakdown or made corrections to their bill and forwarded the alleged outstanding balance to a debt collector, ONLINE INFORMATION SERVICES # XXXX, {$670.00} alleged amount owed. I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX. I spoke to XXXX, Account Manager for ONLINE INFORMATION SERVICES. My loan officer informed her that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though they could not confirm the veracity of the alleged amount owed because they are a third party and did not provide to me any credit or utilities. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because ONLINE INFORMATION SERVICES is not a creditor. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor. I do not owe this money and ONLINE INFORMATION SERVICES is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others. XXXX stated that they would respond to a complaint by my attorney, which could take years in litigation. I have already disputed this amount to the credit bureaus.
Consumer complaint received 2022-11-06
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. (IL)

15 U.S 1681 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.

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On my credit report, I fail into delinquent standings with Bank of America credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Bank of America cards which I do business with.
Consumer complaint received 2022-11-28
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. (NY)

Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I am unable to get direct deposits to my bank. Per a previous complaint, I was told this was not an option due to Oklahoma 's rules. Reviewing Oklahoma 's information, only One-Time Transfers have been suspended ( See attached from XXXX XXXX XXXX XXXX XXXX ). I was also informed I would get a follow-up email regarding the fees I was charged for calling in 'too often ', but have not received any follow up. Further, since starting to use my card, the only option given to me, the card has now been restricted by the fraud department. A letter was sent to me informing they claim to have called. I never received a voicemail, email or SMS informing me there was an issue, all my prefered ways of contact, which were options to fill out on their website. The letter contained a phone number to call. The number appeared to be a direct line and was different than the standard number. I was not given any options to select from to direct me, a welcome change, but put directly on hold for a representative. After waiting 30 minutes, I was told that department could not help me and they needed to transfer me to Level2. What is the use of a direct line bypassing options, if it is going to waste my time on hold and a reps time, who clearly is very busy, to deal with a call you know they can not help with. Waiting another 2 hrs, I reached a representative, who told me I needed to send a photo copy of my ID to an email address, something that could have been included in the letter mailed to my address. I followed the process and received an email today saying it was approved and to all the number on the back of my card. I called in and the representative was unsure why I was calling. After checking my account, they said everything was good and no further action was needed. A short time later, I tried to log into my account a received a message the account was locked due to possible fraud and I needed to call in. I tried using the card and the transaction was rejected. I called back in and another representative said it is clearly showing still as locked, but notes on my account show it was approved and it should no longer be locked. I now have to speak to fraud regarding the issue. I am now going on 24 calls for a total of 8 hrs, 30 mins and 7 seconds on the phone with this company trying to resolve issues, not including the call I have been holding on for over 50 minutes.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I returned a call to the collections agent, XXXX ( XXXX I believe is the last name ), the agent handling the account that he called me about. While on the phone with XXXX, he said that I would be taken to court and sued and that a summons would be delivered to my supervisor or manager at my job. After we went back and forth for a bit, I explained to XXXX that he would never find my supervisor or manager so he said that he would forward this case for litigation and we disconnected the call. I wanted to report him and his behavior to his manager. I called back and the switchboard operator said that she did not know who his supervisor or manager was so I called XXXX and asked that he connect me to whoever he reports to. He said that he was the supervisor and the manager. I asked him if he owned the company but he said no because if he was, he would obviously not be working. I told him that since he was not the owner of the company that there was someone that he reported to. After about 5 minutes of me explaining to XXXX that he must report to someone, he placed me on hold, said that he was getting a supervisor but came back to the line after about 10 minutes to say that there was not a supervisor available.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

I went to the XXXX  to obtain a XXXX XXXX  and XXXX XXXX  requested by the NY XXXX XXXX XXXX NY for XXXX donation as a request for Pre XXXX examine requirements. XXXX was for XX/XX/2017 I had insurance through XXXX XXXX XXXX XXXX ID    XXXX with a copay of {$40.00} ( XXXX billing ) This was given to their Billing dept. The " script '' was specific to the order. The XXXX choose to proceed with a procedure not needed and or told how much it would cost. I was there for solely the purpose of two exams XXXX & XXXX XXXX. Once I was done, my visit was {$1500.00} dollars. I called the insurance company and they indicated they should have received a pre authorized call and never got one from the XXXX XXXX center for woman. 
I made a complaint against the Doctors failed efforts to inform me of the XXXX she took and the switch and bait the office pulled on me. I feel they took advantage of the insurance opportunity that it was being being by the XXXX donor. I feel i was mistreated, violated and now stuck with a bill that should not have occurred affecting my credit report. 
I told then that they had to follow up with my insurance but they would not listen let alone understand that I would not have agreed to a treatment without my insurance being aware of knowingly that a PRE-Authorized agreement would need given to me, the insurance company and the Dr 's office billing dept.
Consumer complaint received 2022-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

Requested a refund check for payments made on my student loan accounts at the end of XXXX. Was told after approval it would take 4-6 weeks. Refund was approved on XX/XX/22. The balance of my loans updated on my XXXX  on XX/XX/22. I have called once weekly inquiring about my check and was told its in the hands of the dept of treasury and that it should arrive soon but that the timeline has changed to 10-14 weeks from approval. They keep changing the timeline. Please help me because Aidvantage has not provided me with any correspondence other than when i inquire. Thanks