davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (KY)

Keybridge submitted a medical debt to the credit reporting agencies that was paid. This is a matter in which both the XXXX XXXX XXXX and Keybridge have handled the matter incorrectly. We made regular payments for years to XXXX XXXX XXXX, I submitted 5 written notices to them asking for a statement reflecting what they felt we still owed. At all times we updated them with our new addresses, so they had no reason not to send billing statements. They never responded. My husband spoke to them on the phone and their billing person refused to send a statement. I made monthly payments for years, NEVER receiving any billing from them, and we NEVER heard anything of, or from Keybridge. The only accounting of our debt I could go by was the records I kept, the last billing we received was in 2014. Eventually we received a check from XXXX XXXX XXXX stating that we had overpaid the account. Even at that, they sent a hand written note, as though 1 person in the office had a conscience and wanted to do the right thing, but couldn't get permission to actually write a letter. 
A review of our credit report showed the collection reported by Keybridge. They never contacted us in any manner, nor were we given our right to dispute the debt. The debt is paid, we made PAYMENT IN FULL without EVER receiving any billing from either party. This was the result of a XXXX that was pre-approved by insurance, then after the fact the insurance company denied payment. We made regular monthly payments until the debt was paid in full.
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP (CO)

In the process of adjusting our escrow with our Home Mortgage lender, US Bank XXXX Mortgage, our Auto-Pay option was turned off without our knowledge or consent, therefore resulting in a missed payment on XX/XX/21. We were notified of this via USPS mail which was sent out on XX/XX/21. Upon receiving this communication we immediately logged into our account and turned our Auto-Pay option on again as to complete our payment for the month of XXXX. In communicating with US Bank, the change to our Auto-Pay was made on XX/XX/21. I have no supported evidence in my browsing history related to US Bank on or around this date. We were notified on XX/XX/21 that our credit had been impacted by a 30-day late payment by XXXX and XXXX. Upon receiving this information we immediately followed up with US Bank XXXX Mortgage, who confirmed that because our Auto-Pay was turned off not only did our XXXX payment not process, our XXXX payment did not process as well. We took the necessary action to make our account current again, and confirmed that our Auto-Pay option would in fact auto-draft go-forward so that we will not run into this issue go forward. 
We believe that this was truly an internal error on the US Bank side while making other changes to our home mortgage account and we are being unfairly punished in the process of resolution. We have disputed this information with all 3 major credit bureaus as well as internally with US Bank and have not had any resolution thus far.
Consumer complaint received 2019-12-31
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. (MN)

In early XXXX I was notified by a credit monitoring company that a fraudulent loan was taken out in my name. After several correspondences with the bank, XXXX XXXX XXXX XXXX XXXX, MN, we resolved that this activity was fraudulent. This conclusion was established on XX/XX/XXXX. Immediately, I began working through each of the credit bureaus, establishing Security Freezes and Fraud Alerts on my account. 

After easy and quick success with the first two agencies, I attempted to reach Experian. My first phone call on XX/XX/XXXX reached an answering service, since it was after business hours. 

When attempting to log in to my account, my password was not accepted. 
When attempting to reset my password, the password reset was sent to an email that I did not recognize. 
I have attempted to reach Experian on numerous additional times : XX/XX/XXXX - attempted phone call - was on hold for over an hour, then was hung up upon. 
XX/XX/XXXX - attempted several phone calls - was on hold for over four hours, then was hung up upon. Called the business office technical support line to reset my password and was denied. At this point, my account has been in the hands of a criminal for several weeks, with no way to reach a human at Experian able to assist me with reclaiming my account.
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX
Consumer complaint received 2020-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PUBLIC RECORD FRAUDULENT ACTIVITY U.S. BANKRUPTCY COURT CH XXXX XX/XX/XXXX
Consumer complaint received 2022-01-23
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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA continues to try to re-apply closed accounts to my credit. I have let the credit company know what has happened and USAA has been blocked from entering info on my credit. 

Additionally if USAA decides to up these new accounts on my new XXXX i will also dispute those and get USAA blocked from that credit report as well. 

USAA needs to stop trying. you are blocked and will continue to stay that way. having monthly phone calls with a berue rep to stop you guys is annoying. stop harassing me.
Consumer complaint received 2020-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US BKPT CT GA XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (AZ)

Purchased XXXX new Apple XXXX on XX/XX/2022 through Apple. They told me and advertised that it would be interest free for 2 years.The Financing was done through Goldman Sachs. When I received my first bill, it was really confusing. It also had a charge on there for {$410.00} which was not mine. As well as an interest charge of {$2.00}. I called Apple as well as Goldman Sachs. No one could explain my bill and how all the numbers, which are very confusing, to me. Spoke to many people at Goldman Sachs, as well as Apple. One would say that I should contact Apple and the other said that I should contact Goldman Sachs. It came to the point that I wrote a letter to XXXX XXXX XXXX XXXX XXXX XXXX. Got a call from XXXX at Apple and she has tried to correct and explain why the bill is so confusing and what the daily cash part of the bill means. My bill should be straight forward. The balace after my phone trade ins and the monthly payment, which it does not. Bought XXXX phones and after the trade ins my balance should be {$1300.00}. So my payments should be approximately {$58.00} per month for 24 months. Come to find out that they charge the sales tax outside of the total amount and it acrues interest. Which is something no one, Apple or Goldman Sachs ever told me. The bill is just very confusing and no one can explain it correctly. They seem to make you just through hoops about this daily cash thing. And I really dont understand that part at all. In the complaint you guys asked for the card ( account number ) I dont know it. It is not on the statement.
Consumer complaint received 2019-12-31
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-05-01
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. (LA)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021 I received a deposit for money owed to me by a government agency for {$17000.00}. Before I used this account I called The serve customer service line on the back of my card and asked them if a deposit of this size was ok and explained that these were funds were owed to me by a government agency namely the SBA. I was told that all was ok by the representative and I could initiate the deposit. The representative told me I just couldnt withdraw that amount right away as it exceeded the monthly allowed withdraw limit, which was fine because I didnt plan on withdrawing it. So I went back and contacted the funding officer that was my contact person at the government agency and they initiated the funds to be transferred. Later that day I find out that after the funds went to my account Serve froze my account and suspended it. Im not sure why. I went through a very rigorous approval process for this money and it has been owed to me for months, my account was verified with the government and the company who was in charge of initiating the funds on their behalf. This was my account and they approved it to be sent to that account. My person of contact at the SBA and my congressman recommended I file a complaint through the CFPB, both were aware of the process I went through to get this money that I was owed to me. As they are the ones that helped me with the paperwork to get my money back a few months ago. My contact person at XXXX XXXX told me to do whatever the officer at the sba said to do, as they are just an intermediary that sends the government approved and backed funds to the accounts that are given to them from the Multiple government agencies in my case the sba. What did I violate by having money owed to me by the government sent to my account? The company that sent me the funds was only doing so for the government and I have tons of paperwork to show if needed.
Consumer complaint received 2019-12-31
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-06-03
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. (DE)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a promotional interest rate for XXXX  % with Capital One for XXXX year. I called them on XX/XX/XXXX and asked them when would be my promotional interest rate will be expired. They told me XX/XX/XXXX. I notice in XX/XX/XXXX that they charge me interest. I immediately paid off the balance. I called them and asked them to reverse the fee as it was their employee 's mistake. Although they checked my phone call scripts on XX/XX/XXXX and agreed that their employee made a mistake they refused to reverse the fees. I strongly believe that this credit companies taking advantage of consumers by not providing the promotions expiry dates on their monthly statements, not sending out proper notification and when we contact them providing incorrect info.
Consumer complaint received 2020-06-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have tried calling Bank of America on XX/XX/20 and XX/XX/20. 
XX/XX/XXXX I was transferred and on hold approximately 2.5 hours ( with 3 people ). 
XX/XX/XXXX I was on hold and transferred again ( with 2 people ). 

No one at Bank of America can answer my question and resolve my issue. 

I initiated a claim on a Mastercard transaction on XX/XX/20. I did not have good communication with an out-of-state company in Arizona that was to refund my money for an apartment application fee. Due to the poor communication on their part, I was worried I would not receive the {$230.00} refund, so I opened the claim. 

After the claim was filed, they mailed a refund check to me for {$230.00} which Bank of America credited correctly when I deposited ( via the mobile app to my checking account ). 

I have been trying to do the right thing and contact Bank of America repeatedly to stop my claim. There is no longer a need for them to research my claim. IT HAS BEEN RESOLVED BETWEEN ME AND THE COMPANY. 
I now have {$230.00} in my checking AND a credit of {$230.00} on my credit card as of XX/XX/20. I should only have the {$230.00} in my checking account. 

I am trying to stop the claim and have the credit removed from my credit card. 
Why am I given the run around repeatedly? No one is solving this problem. 
Their inability to resolve this makes ME look bad, like I am trying to get a double refund. 

This is the worst customer service I have ever experienced in my life.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY (MD)

In accordance with the Fair Credit Reporting Act, [ WF CRD SVC 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''
Consumer complaint received 2023-01-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (CO)

SIMPLE. THE XXXX XXXX XXXX XXXX ACCOUNT WAS CLOSED AND REMOVED BY THE COMPANY THEMSELVES. XXXX AND XXXX HAVE ALREADY REMOVED THIS ACCOUNT BUT NOT EQUIFAX. WHY? IT IS NO LONGER VALID SO IT NOW IS A UNFAIR BLEMISH ON MY CREDIT REPORT.
Consumer complaint received 2022-10-05
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

On XX/XX/2024, my Chime banking account was abruptly closed without any prior notice or explanation. This action occurred just days after I received my tax refund into my Chime account, which was over {$5000.00}, leaving me bewildered and financially stranded. 
Throughout my tenure with Chime, spanning over a year, I had encountered no issues or discrepancies with their services. However, the sudden closure of my account, coupled with the lack of communication and transparency from their representatives, has left me deeply troubled and financially distressed. 
Upon reaching out to Chime 's customer service for clarification and the retrieval of my remaining funds, which included my tax refund from the IRS, I was met with frustration and disappointment. Despite multiple attempts to resolve the issue through email correspondence, each response I received was generic and failed to address my specific concerns. 
I escalated the matter to thXXXX XXXX XXXX XXXX in hopes of finding a resolution, but to no avail. Despite assurances from Chime that I would receive a refund of my funds via mail within 30 days, as of today 's date, XX/XX/2024, I have yet to receive any such reimbursement. 
This prolonged delay in the disbursement of my funds has not only caused me significant financial hardship but has also taken a toll on my emotional well-being. I have a XXXX XXXX XXXX and also had a XXXX XXXX  during this time. I have been struggling to care for my children as well as myself due to this incident. That was all of the money that I had to my name. I find myself falling behind on essential bills and facing mounting financial obligations due to circumstances beyond my control.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

Dear sir or madam, I am writing this email about the opening bonus for HSBC XXXX XXXX business checking account. 

I opened my HSBC XXXX XXXXt business checking account on XX/XX/XXXX. At that time HBSC had {$300.00} promotion. 

Deposit a minimum Qualifying Balance of {$5000.00} or more in New Money in the eligible HSBC business checking account ( XXXXXXXX XXXX, XXXX XXXX, or XXXX XXXX XXXXt ) within 30 calendar days of account opening ; and Register, and Log On to HSBC using the personal credentials you created and your security device within 45 days of account opening ; and Maintain at least the minimum Qualifying Balance ( s ) in your eligible business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ) for 90 calendar days from the date you deposit the minimum Qualifying Balance. 

I fulfilled all requirements and on XX/XX/XXXX, I received {$200.00} bonus, it shows XXXX XXXX XXXX   OFFER. I sent email and asked why my bonus is only {$200.00} instead of {$300.00}. The reply I received was current promotion is {$200.00}. The thing is the promotion was {$300.00} when I opened my account last year. I should receive {$300.00} bonus. 

I also referred XXXX He to open HSBC XXXX XXXX business checking account, the account was opened on XX/XX/XXXX and used my referral code. Business name is XXXX XXXX, XXXX # XXXX. Per HSBC promotion condition, I should receive {$100.00} bonus. 

Please investigate these two cases and deposit {$200.00} into my HSBC account, ( {$100.00} + {$100.00} = {$200.00} ). 


Thank you very much for your help! 
XXXX XXXX