davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

I was notified of this debt in XX/XX/2021 on my credit report, I immediately called and paid. I have been paying on this hospital bill monthly but did not know this was a separate bill. My dad was very sick and I was taking care of him by myself, he passed away XX/XX/2021. The hospital bill is paid off. I contacted the XXXX XXXX and they were happy to help get this removed from my credit report. I also contacted CMRE to ask them to remove, they were very rude. You can look at my history and I have always had good credit. This has ruined my credit even after paying and at my age this is devastating! I have always been very vigilant in paying my bills! Please help me get this removed. Iv even hired help which is costing me XXXX/month. If I had known this was a separate hospital bill I would have made arrangements to pay it. Life is hard as it is and this has absolutely ruined my life. Please help me!!
Consumer complaint received 2021-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION (CA)

On XX/XX/2021 I received a call from XXXX XXXX XXXX and the phone number was XXXX XXXX XXXX XXXX. A female individual stated I have a debt of roughly {$600.00} to pay for a creditor called Check N Go and to prevent potential legal action she asked if I wanted to take care of this. I told them I do not recognize this debt, asked for validation of debt and that an individual from XXXX, XXXX XXXX XXXX tried to collect on this debt back in XX/XX/2021 and was threatening to sue me. The lady from XXXX told me that that was a different firm and they probably passed my debt onto their company because my debt was deemed " uncollectable ''. So I proceeded to ask this lady for proof and validation of this debt. I also asked for a letter from them because I have no idea who they are and what this debt is for. The individual took my email down and stated she would be sending me documentation through email. 

The only documentation this company has sent me is what appears to be a demand letter with reference number XXXX. I have not been provided any validation of debt. There is no proof this debt even exists and they have told me that potential legal action could take place. 

This debt has gone from XXXX, XXXX XXXX XXXX XXXX https : //jacobrossassociates.com/ XXXX ) to where I was potentially being served an MSJ for roughly {$2000.00} to now being told there's potential legal action from XXXX XXXX XXXX for roughly {$600.00} on a debt I don't even recognize. These are potential violations of the FDCPA and the fact none of them can provide me validation of debt is beyond concerning. 

I will potentially be speaking to attorneys in regards to this matter because this appears to be unfair and deceptive abuse.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

On XXXX XXXX, XXXX I purchased 12 US Bank {$500.00} XXXX gift cards from several XXXX stores for a total of 12x {$500.00} ( {$6000.00} ). My intention was to pay for water damage repairs at my daughter 's condo. This was because the repair company allowed payment by debit card for no fee, and I would get the benefit of the credit card points. 

In order to use the cards online, I needed to register my name and address for each one via a dialup process, which I proceeded to do. The first 10 cards had no problem. The last two cards caused the calls to divert to a call center line with long wait times on hold.

I called this line twice in succeeding days. The first time I was on hold for 40 minutes, and the person who finally answered, after I gave him the gift card number, suggested that I just call the # on the back of the card. Since this was the number that I had just called, I said that made no sense. But he was unwilling to help in any way.

I called again two days later with the same long hold time. A woman answered, and after I gave her the card #, was willing to contact a " specialist ''. After a further hold time of several minutes, she said to call back in 2 business days. She was unwilling to take any action on my second card, even after I complained about the long hold times. The total time for this call was 1:19. After waiting several more days, I tried again today and got the same call center hold.

It is not possible to access any info on these cards via the website www.prepaidgiftbalance.com The numbers on the two gift cards are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both with XX/XX/XXXX expiration dates I will attach PDF files from the XXXX XXXX website showing my purchases at XXXX on XX/XX/XXXX. 10 cards on my XXXX  card and 2 on my XXXX XXXX card.
Consumer complaint received 2022-02-21
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. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (LA)

Theyre violating 15 usc 1692 ( a, b ). This company is also committing ID theft. Theyre also violating 15 usc 1692 c ( c ). Invasion of individual and family privacy. Last I want them to provide a written contract between me and the party listed on my credit report.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MN)

I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year XXXX. I was told I was approved for complete financial aid since I was a XXXX XXXX and had no income. The grant was suppose to be approved for the program which was XXXX in XXXX XXXX. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or XXXX about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

Account Info Reference Number XXXX Court US BKPT CT PA XXXX is showing on credit file after being discharged. Bankruptcy having a negative impact on credit file. Sent letter to courts for validation no information was received. Been over 90 days.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My credit report has XXXX  accounts that are reporting with XXXX. XXXX account is a {$500.00} XXXX XXXX XXXX, the other is {$300.00} Kohl 's card. I have not applied for any credit with either one of these credit card companies. Along with the reporting, I have NEVER received a credit card from these 2 companies and during the time that that I have been trying to get this issue resolved, I have noticed that they are reporting this payment as being paid on time, then it will go in into late payments status ( Kohl 's ). As for XXXX XXXX, they have added late payments to my credit report. I was able to get this issue resolved with XXXX, XXXX on the other hand is allowing these companies to continue to report theses fraudulent accounts on my credit file and I have been disputing the matter since early XXXX. 

Each time, I dispute the accounts, they are sent back into re-investigation status, ULTIMATELY ALLOWING KOHLS & XXXX XXXX BANK TO CONTINUE REPORTING THIS UNVERIFIED FRAUDULENT ACCOUNT. 

I have had excellent payment history until this issue. Now, my credit is going down the drain, due to the false reporting of the XXXX companies
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (FL)

This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney. 

This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Aid Experts (TN)

On XX/XX/XXXX, I notified my financial aid office to inform them that I would like to withdraw from their school and if there would be any charges. My financial aid advisor proceeded to tell me that in 45 days {$7000.00} in outstanding tuition would become due to the school. She also proceeded to tell me this : We generally do a 12 month payment plan. We try to have the student pay that balance off as quickly as possible because their transcripts can not be released until that balance is paid in full. If we divide that {$7000.00} by 12 that would be {$580.00} per month. Is that balance something you are comfortable with? A student like my self does not have 7000 grand lying around to give and I also certainly can not afford almost a 600 bill a month. It also stays in my contract from the school that after you have 60 % of 1-450 hours of the first payment period, the student is allowed to earn 100 % of financial for that pay period. So why do I owe so much if financial aid is 100 % going to pay my tuiton? I have all of financial aid covering my tuiton and theyre telling me I owe 7000 . I have documentation and proof of everything.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX XXXX. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Consumer complaint received 2022-10-07
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: BARCLAYS BANK DELAWARE (FL)

Back in XX/XX/2022 my husband 's credit card was lost/stolen. I reported the fraudulent charges on the account. They started an investigation and I was credited for all these charges on the account. 3 months later in XX/XX/2022 the transactions re-posted on the account. I contacted them and they stated I needed additional documentation to support the fraud claim. I sent the Police Report, Fraud Affidavit form, Timestamps from my husbands job ( some transaction took place at hours my husband was at work ), Store/Merchant receipts ( went to some of the closer merchants and requested receipts ) and etc. I sent out these documents in XXXX ( via fax and mail ). I was told that the fraud case was denied because there were transactions months apart. I found out that a transaction made in the month of XX/XX/2022 ( which I didn't report as fraud was added to the fraud claim ). I told them to confirm and go back to the recording where I called to report the card as lost or stolen. They were able to verify that I didn't state this charge as fraud and took it off of the fraud claim. In XXXX I sent additional documents and never received a letter stating the status of the claim. I have only received calls from Customer Service stating that my account is past due and I have to make a payment. How I'm I going to pay for charges I didn't do? 

There is a total of 20 transactions ( highlighted in red in attachment provided ) for a total of roughly {$7000.00} dollars + interest charges and later fees. After several months and requesting a supervisor/manager call back today I was contacted by a Manager and was told this. It's a disgrace. 

They are still denying the fraud on the account and want for me to go to all the merchants and get a letter from them stating that my husband wasn't the one that made the charges. This is something that has been going out for months and still no resolution. I have already contacted a lawyer and want to proceed with legal actions.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America is discriminating against XXXX citizens and permanent residents that of XXXX origin. I am attaching a post from their website to confirm this act. 

Discrimination against anyone based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a fundamental violation of human rights in the XXXX. 

Why are you condoning this behavior from Bank of America?
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The demand for XXXX has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity. 
I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on XXXX XXXX. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner XXXX is handling my complaint is unethical. 
Due to XXXX being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-30
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: DISCOVER BANK (CA)

I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX, DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX and DISCOVER FINANCIAL SER with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MS)

I was in contact with XXXX XXXX, the hiring XXXX. He told me that I would need to pay for the time tracking software, and I told him that I could not pay the full amount of {$350.00}, because I don't have a job at moment. He then told me, that I could do a part payment of {$200.00}, which I have paid, and he told me that I would have to pay the full amount before getting the software added to the work laptop. I have requested a refund, but he refuses to give that money back, because I wasn't able to pay the rest. I paid XXXX XXXX of XXXX XXXX through Cashapp, and I requested the money back from him, which he declined.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2022-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

The entire refinance process was a nightmare. After selecting XXXX Bank because the company is local, found out AFTER closing through an email that I would be serviced by Homepoint, located in XXXX. Never heard of the company throughout the refinance process. Homepoint email directed me to : " Register or login now at XXXX to view your loan information, schedule mortgage payments, access escrow details, view statements, and more. '' I do not want to expose personal data with a company I never heard of. Just want a monthly statement and payment form sent to me so I can pay by mail. I'm considering selling my house to get away from this unknown mortgage company. I know is legal to sell mortgages, but XXXX should have disclosed that they intended to sell it and to whom. Early in the process I had spoken to XXXX XXXX Residential Loan XXXX and XXXX XXXX XXXX XXXX of Residential Lending, XXXX, both with XXXX Bank. Clearly stated to both of them that I was considering XXXX because it was local. They did not inform me and neither did XXXX XXXX, XXXX Attorney who handled the closing.
Consumer complaint received 2022-02-21
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. (VA)

My purchased flight was cancelled due to the pandemic. The airline stated that the ticket could be used for any flight on the same route in the future, with no charge for fare difference. Unfortunately, the airline did not resume flights on that route for over a year, and once it did it was impossible to find a seat. I therefore requested a refund, and was told to submit an online refund request. I did so, but received no response from the airline. I then disputed the charge with my credit card company, but was told I had waited too long ; even though the dispute claim only materialized when it became clear that the airline would not honor its rebooking offer or provide a refund, which was less than 30 days before I submitted my dispute to Chase. 

The customer service representative for Chase advised that I should send a letter asking that the normal time period for processing a dispute be waived, which I did. Chase responded by acknowledging that I " may have a valid complaint with the merchant, '' but nevertheless refused to reverse the charge.