davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ILLEGAL practices. Post dated a PAID veterinary bill from XXXX ( from a traumatic night I had to put our XXXX XXXX XXXX in an emergency ) and reported to my credit as an account from XXXX. Took my score down 45 points for absolutely NO reason. I have spoken with XXXX XXXX hospital ( original account ) and they agree it was sent to collections by mistake. Incessant phone calls FIVE times per day for over a YEAR now! Brings back terrible memories from that night every time they call. ( All over {$160.00} that I NEVER OWED! The vet bill was paid in full the same night. ) I have disputed this three times now and they STILL refuse to remove this false collection from my credit.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

BSI financial has totally messed up my escrow. I have asked to remove them from making my escrow payments they refused, I updated my homeowner 's insurance premium and they increased my payment, even though my homeowner 's insurance went down. They for some reason attempted to disburse my homeowner 's insurance payments more than is necessary. I would like a XXXX party review of my escrow account with this company!
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Somebody got a hold of my paypal account and my phone. They made like 7 charges totaling 600-700 dollars. I reported to paypal that these were unauthorized charges. They told me they weren't. I'm affirming to them that they were unauthorized, but clearly they don't know. I just want my money back.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (AL)

I never received my escrow statement along with the refund check for {$77.00}. I contacted SunTrust by phone and after almost an hour wait the agent said they would reprocess the escrow statement and check and it should get to me in the next 2-3 weeks. I waited over a month and had not received the document or check from SunTrust even though my escrow account was debited back on XX/XX/XXXX. I followed up by sending a secure message through online banking on XX/XX/XXXX and the only update I received was directing me to a site that no longer exist to receive updates. I would like a copy of my escrow statement along with my refund check I am due.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NY)

XXXX XXXX Visa ( USbank ) sent me an offer in the mail ( attached ) and under the Dear XXXX XXXX paragraph, the last sentence states : " This is your official invitation to apply! '' so that was the paper I kept. I always apply online so I never keep the paper application they included. A week or two later I went online to apply and could not find the " confirmation code ''. I was told by their representative to apply for the card with the offer online and when I get my card to send them the copy of the offer that was mailed to me and they would honor it. The offer that they mailed me stated that I would get {$100.00} statement credit when I spent {$500.00} and that my initial purchase and balance transfers would be 0 % APR for 15 months. I sent them a copy of their offer and then received this letter back ( attached ) stating that I would get XXXX bonus points and only 12 months 0 % APR. The bonus points are only good for XXXX XXXX products, which I absolutely no interest what so ever. I am also including the same offer I just got in the mail yesterday with their " official invitation to apply '' letter with the application that came with it. First off, if that letter makes the statement that it is the official invitation to apply, then why isn't the code on it or, at least, have in parenthesis " see application ''? Second off, why was I told by their representative a totally false statement that they would honor the letter?
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am filing a complaint with Experian cause I have tried to call on several occasions cause I had a few issues on my file. One of them being Identity theft and the other being that one of my creditors that I paid off has not reported my account as paid in full and its still showing a balance even though I paid them of last year. 

I called in and spoke to a rep and explained that my account with XXXX credit union account number XXXX its still showing a balance of {$2200.00} and I paid it off on XXXX. 

Then I also had an Identity theft issue where my personal information was used to open an installment loan with XXXX XXXX  XXXX XXXX Account number XXXX which this account was opened fraudulently due to identity theft I filed an identity theft Affidavit with the FTC on XX/XX/2022 along with other accounts listed on my FTC Affidavit as well that are no longer reporting with Experian. Apparently I got a notification that my dispute was started but I believe that the representative that I spoke to put the Fraud Account with Enterprise in dispute as if it was incorrect balance showing and never put the dispute for my account with XXXX XXXX XXXX that is valid in dispute I also am attaching the FTC Report I filed to try to resolve this fraud account and remove it from my file
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (TX)

After dealing with 2 dr offices, he owns both, i had authorized payments to be taken from my debit card monthly until paid in full. Not knowing there were 2 billing offices, i ever received a bill for a service tat ended up being written off. After several months of back and forth with the dr office, it was clear they sold the debt to Capital Accounts in the amount of {$2900.00}. I never received this info as they had a pob that i had not had for years. I saw the credit bureau where it was listed. I contacted this collection agency to inquire what this debt was for and was told for the services from XXXX XXXX XXXX, which is my heart dr . I  see him 1-2 a year and was never told there was an outstanding balance. I was not given opportunity to deal with this debt until they posted it on my credit. Working with XXXX with the billing office at the dr , she is trying to pull back the account, telling me that the Capital Accounts refuse to send back the file for them to collect. I will not deal with a creditor that handles business as such. I do not dispute the debt as I will gladly work a payment plan with the dr office but not with the unprofessional people who do nothing but tell me to pay my bills and not be a dead beat.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (NC)

Equifax is reporting inaccurate information to my payment history for an account. 
A XXXX act # XXXX closed account is reporting : ok - XX/XX/2020 60 days late - XX/XX/2020 ok - XX/XX/2020 60 days late - XX/XX/2020 90 days late - XX/XX/2020 There is no 30 day late prior to both 60 day late charges. 

I have attached a screenshot from the equifax website with blatant error.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong address:XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Wrong addressXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Correct addressXXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. 

Correct Phone number : XXXX Please remove any other phone numbers. 

Correct DOB:XXXX Please update and remove any others.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$78000.00} XXXX XXXXXXXX Date Opened : XX/XX/2005 Balance Owed : {$95000.00} XXXX XXXX XXXX Date Opened : XX/XX/2005 Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/2005 Balance Owed : {$4400.00}
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2019-03-29
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 — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP (PA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN HONDA FINANCE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX AND XXXX  . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX  , AND XXXX  . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.
Consumer complaint received 2018-09-12
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. (MN)

I have been dealing with transunion for over a year and they have not looked into the things thats on my credit report at all I have sent multiple letters and it comes back verified they have not explained to me where they furnish the informations from involving a bankruptcy.
Consumer complaint received 2019-03-29
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. (NJ)

This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you
Consumer complaint received 2018-09-12
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. (NJ)

I recently disputed outdated credit profile items with Experian through CFPB and some items were not removed. According to the credit bureau procedures if a delinquent debt is over 7 years old with no payment then it show be removed from the credit profile. 

Its seems as if Experian chose to validate that the debt was indeed due opposed to removing it from credit profile due to the length of time its has been delinquent on my credit profile. Therefore, I am requesting again to have these items removed from my profile. If Experian believes that these items don't qualify to be removed, then I request to have proof of payment, including but not limited to bank account and routing number of transaction, date of transaction, amount of transaction, ach authorization code of transaction and/or copy of personal check submitted for payment submitted to my attention. 

If this information can not be provided, then I wish to have this information removed immediately.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Ameritech Financial (FL)

In XX/XX/2016, The company XXXX XXXX  XXXX called me representing themselves a XXXXXXXX XXXX XXXX XXXX. They advised me the would could reduce the amount of the loan through a new program offered by student loan service. During the phone conversation on XX/XX/2016, I was unsure of the legitimacy of the company, as I was online at student loans website and saw no reference to the company. I STOPPED the application process. I advised them on the recorded conversation that I wanted nothing to do with company, and that I had not completely fill out their contracts. 

I contact XXXX XXXX  and verified what happened during the Ameritech conversation. Student loans advised they nothing to do with the company and received several complaints to that fact. I advised I stop the application process, and my account should be affected. On XX/XX/2016, I Voided the contract. 

XX/XX/2016, I started receiving emails requesting the documentation be completed. I contacted Ameritech Financial and advised there was no contract with and I wished not to participate as stated in XX/XX/2016. 

A few month goes by, and I was still receiving requests from Ameritech Financial to finish the application process. I decided to check my credit report as I was looking for employment and wondering why I was being denied interviews after a background check process. 

I found that my XXXX XXXX  had been refinanced from several loan amounts, to one huge loan amount of {$56000.00}. I contacted student loan services who advised to call Ameritech, as XXXX XXXX could no longer assist. 

I called Ameritech several times to be advised there is nothing Ameritech could assist with. I called back requested a manager and told them the manager there is no contract and I request to stop the application process during the offer to me, be brushed off. 

I have an insurance license, I was unable to procure employment based on my credit report being XXXX. I refused to pay the company as they consolidated my loans with out my full expressed consent. 

I have attached screen shots to show my loans which were individualized, shows refinanced and switched for a period of 5 to 6 months, and requesting payment. I also included the contract, some emails showing I requested to cancel all documents and proceeding, and the report showing the damage to my personal character. 

The adjustment made to my student loans are egregious. I received a class action law sue noticed and truly believe the advertising and presentation of the company were misleading and of unfair practices.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (KY)

Upon moving out of the XXXXXXXX XXXX, I was not notified about any outstanding charges or bills. 

On XX/XX/2021 I received a collection bill from CCM for {$130.00} with an account # XXXX. I have no idea what is owed to XXXX XXXX since the account # CCM reports is # XXXX Is this collection attempt a mistake? I have disputed this supposed collection through the credit bureaus and a direct letter to CCM.

The bureaus responded it was verified, what was verified?

CCM never responded.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (FL)

Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous
Consumer complaint received 2022-03-08
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: DISCOVER BANK (CA)

On XX/XX/2021, I bought a flight ticket ( XXXX XXXX ) for my cousin XXXX XXXX XXXX, using my Discover credit card on XXXX ( travel agency ) website. The ticket fare was {$1000.00}. 
We reached airport on XX/XX/2021 at XXXX XXXX  to check in the flight, but the XXXX XXXX agent mentioned that there were issues with the XXXX XXXX transit and did not allow my cousin to check in the flight that evening. My cousin 's father ( XXXX ) passed away in XXXX and she had to travel. Because of the flight agency, she could not see the last rites of her father. Also, the agent from XXXX XXXX confirmed that the ticket is cancelled and the refund will be issued through the third party travel agency ( XXXX ) We came back and requested the travel agent XXXX ( Confirmation # XXXX ) for the ticket refund. They did not give me refund saying that we did not show up at the airport. 
I called my credit card ( Discover ) and claimed for the ticket refund. They took 30 days for the claim process and still did not give me refund for the ticket that was not used.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I opened my account around XXXX of this year and so far I've had hundreds of dollars ( around $ 300+ ) in fees, of which at least {$68.00} were the fault of Chase for  miscategorizing transactions and charging me an overdraft fee for transactions that should have been declined if the money wasn't in the account. 
I was told that they can only refund {$100.00} in fees per customer, whether or not it's the bank 's fault. 
Most recently on XX/XX/2018, I received a {$90.00} " cash advance '' fee which I didn't know existed after funding a new bank account with my debit card. 
I was told there was no way to have it refunded because I had reached my maximum amount of fee refunds.