davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (CO)

I pulled my credit reports back in XX/XX/2021, I noticed 2 collections on there and sent a validation letter to both the provider and the collection agency, this process has been going on since XXXX. In trying to deal with this matter I talked to my insurance company which they never received an itemized bill detailing correct XXXX codes XXXX or procedure description They also informed me that the provider office failed to submit a correct itemized bill within the 90-day submittal time frame that it is against their contract to bill the patient. Not to mention, the collection agency is unlawful re-aging both of these accounts every month. 

Ive attached documentation of what Ive sent the provider as well as the collection agency, and Not only do I not hear back from either of them, but it is still reporting on my reports.
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (TX)

I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. GM FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

Since XXXX 2017 I have applied for the Walmart card and have been denied each time. I decided to apply my last attempt by going into the store instead of online. I was denied once again. I called the bank after receiving my denial letter and informed them that I had also applied at 3 other banks and was granted cards with very high limits. I was told to send in my financials and my request of proof of the valid score of XXXX that came with the denial letter. I gathered all this information and sent it to the bank. One month later I called the bank to find out the status of my request. I was told by another rep that it is not the policy of the bank to review card requests after a denial. WHAT!!! then why have me send in all that verification? I explained once again that I opened a XXXX XXXX, XXXX and XXXX XXXX and was grated credit with high limits. How could this be possible with a fico of XXXX? something is wrong here. I have been getting the run around for 2 weeks now and no one wants to say what happened to my information that was sent in.
Consumer complaint received 2018-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Companies involved : Chase corporate headquarters and XXXX XXXX. 

Complaint : XXXX XXXX reported a fraud to chase bank and the police department. This fraud eligibly started with a breach in an email correspondence between a vendor and us. The buyer received the products that were ordered from the vendor and we used the same email we have been corresponding with the vendor and requested bank information. A hacker intercepted the email preventing the true business/vendor from receiving the email asking for bank information. Thus, the hacker provided, what we did not know was personal bank details. An ACH payment of {$7500.00} was made on XX/XX/XXXX and addressed to a business name, XXXX, with the bank account information provided from the email. However, the account number was to a XXXX personal account, not the business we addressed it to. The ACH should not have gone through as the name did not match the name on the receiving ends account. For an ACH payment to go through, all information must match and in this case the information did not match. 
After speaking with several associates form JP Morgan Chase, no one was willing to assist us with this matter. We were told we should contact the bank the money was sent to. So, we contacted XXXX, informed of the situation, and that we have a police report regarding this issue. XXXX told us that this matter must be settled between the banks and they are not permitted to assist us because we do not have an account with them. We then contacted chase corporate office who informed us they would do their best to assist. We never received a follow-up call, as we were told we would. When we called to request an update on this issue, we were transferred five times and were on the phone for 1.5hrs. Finally, we were transferred to the correct department and the woman gave us the same answer as all the other people we spoke with, I will speak to the claims department and will get back with you. We have yet to be informed of a solution. This has been an on-going process for over a month and we still have yet to have the funds returned. 

XX/XX/XXXX I tried calling XXXX from corporate for an update, but only got her voice mail. I then called Chase branch on XXXX XXXX XXXX and spoke to XXXX who said he would speak with his branch manager XXXX, to see if there is anything he could do. 

On XX/XX/XXXX XXXX spoke to XXXX from Chase corporate who informed me that she could not locate a reference number on this case, but she would create one ( XXXX ) and escalate this case to claims/fraud. 

XX/XX/XXXX XXXX XXXX transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who then transferred me to XXXX . All this within an hour and a half.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I had a credit card with XXXX XXXX. It was stolen and reported as fraud because someone else was using my card. I closed the card and XXXX XXXX sent me paperwork that the account had closed. They are still reporting on experian that I owe XXXX dollars to XXXX XXXX for a STOLEN credit card. Im furious
Consumer complaint received 2023-03-22
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: CCS Financial Services, Inc. (OH)

Credit Collection Service, is a company that I have no acknowledge of, I've attempted to dispute this with credit reporting agencies and haven't received a explanation on why this company is asking me to pay XXXX XXXX and XXXX Dollars, this account has been on my credit report since XXXX XXXX 2022, with an account number of XXXX, I've sent a certified letter asking for a copy of the original contract with my signature and still no response.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have been disputing items on my credit report since XX/XX/2021 with TransUnion, XXXX  and XXXX. To date I've never received any documentation from TransUnion, XXXX, or XXXX with verification and reinvestigation of the items in question as requested. Instead, TransUnion XXXX and XXXX continue to report obvious inaccuracies on my credit report and because of this it has caused harm to my credit worthiness. I'm also attaching the dispute letters sent to TransUnion, XXXX, and XXXX
Consumer complaint received 2022-10-14
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Equifax has a terrible hold on my credit and I can not get my real credit report. I have been getting different Equifax credit reports from monitoring and I want to be compensated for paying for a service that I am not getting. I pay {$20.00} a month and can not get my right copies of my credit report even with paying them and I have lost so much money due to this and it is creating many problems with me trying to qualify for a mortgage. Equifax is releasing information to third parties that is has yet to release to me and I need to get an attorney involved ASAP if this can not be resolved. 

I was on the phone for hours yesterday with two associates that could not figure out what was going on.
Consumer complaint received 2021-03-09
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: FISERV INC. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AR)

XXXX/XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On Friday, XX/XX/XXXX, I went into my local Bank of America branch and withdrew {$8000.00} in cash from my checking account. I was trying to send money to my husband in Oklahoma via XXXX. I had problems sending the money, so I decided to go back to my bank to deposit the funds back into my account. 

On Friday, XX/XX/XXXX at approximately XXXX CST, I drove up to the ATM at my local branch ( ATM No. XXXX ) and attempted to deposit a portion of the {$8000.00} back into my bank account ( I attempted to deposit {$7900.00} ). The ATM took the money, jammed up, and printed out a receipt ( attached to this complaint ) stating that the ATM is unable to process my request and can not return my funds. The receipt instructed me to call the Bank of America claims department, which I did immediately. 

I was connected to a representative who informed me that he would be filing a claim for me and that I should have temporary funds ( amount not disclosed ) available in my account within two business days ( estimated by Tuesday ). I was extremely distraught as I run a business and {$8000.00} is a large sum of money to a layperson such as myself. 

On Monday, XX/XX/XXXX, at approximately XXXX CST, I contacted Bank of America 's Claims Center to speak to a representative about the status of my claim. 

On Monday, XX/XX/XXXX, at approximately XXXX CST, I received a call back from Bank of America and spoke with a representative who informed me that the investigation process could take up to 45 days. She noted that she saw that an escalation note was made on this claim and that the Claims Department would have two business days to review the claim, but that the previous representative 's statement about me receiving temporary funds until the investigation is resolved was false. I told her that I am extremely concerned as {$8000.00} is a lot of money and I need it, or at least some of the funds, immediately in order to proceed with my daily business activities. She informed me that there is nothing she could do and that I would have to wait for the claims department to review the claim. 

On Wednesday, XX/XX/XXXX, at approximately XXXX CST, I attempted to contact Bank of America as the two business day timeline for the claim review had passed. I waited on hold for almost an hour even though the automated operator initially stated that the wait time to speak to a representative would be between 3-5 minutes. 

As of right now, I have not been able to get ahold of a Bank of America representative in order to discuss my claim. On Friday, I had {$8000.00} in cash on hand, and now Bank of America has taken my funds and I have nothing, so my bank account is incurring overdraft fees, I am unable to pay bills and meet financial obligations, and I am uneasy as to when I will get my money back.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (NC)

In XXXX of XXXX, a credit report was run using my name and old address I left in XXXX to move to my current address. A cell phone was purchased at XXXX for approximately {$980.00}. The bill was not paid and since my old address was used, I did not receive any notices of delinquency. Started to receive debt collection calls from various collectors. I ran my credit report and noted the negative item of the unpaid XXXX bill. I disputed the bill with the Bureau 's and XXXX itself and after an investigation, XXXX determined I was not responsible for the charges on the account and sent me a letter from their Fraud department to that effect. XXXX said they had notified the Credit Bureau 's to remove the item but after 6 months the item was still there. I contacted XXXX again and asked that they again notify the Credit Bureau 's to remove the item. 6 months later, the item was still on all three Credit Bureau reports.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that VALLEY CREDIT would verify the debt. So I took it upon myself to ask VALLEY CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXXth. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have submitted several letters, made phone calls, faxed info, and wrote the ceo email address regarding my issue and it has yet to be resolved. There is an account with XXXX XXXXXXXX XXXX showing twice on my credit report, i have documentation from the organization. The document states the account should be brought current. All experian keeps stating is that they verified the account belongs to me. I am well aware that it belongs to me. I am not disputing that account, i am disputing the status. Would like this corrected right away
Consumer complaint received 2021-07-22
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: Phoenix Financial Services LLC (NY)

I reach out to XXXX  to check on a new collection on my credit report. They investigated but did not really give me information as to why it met requirements just that it did. It also flag my report again for the same collection and by doing this brought my credit down for a total of over 50 points. I will like help solving this issue. I should not have the one collection flag twice and bring myself credit score down twice.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Client Services, Inc. (NV)

Beginning on XX/XX/2021, I started receiving calls from an unknown company named Client Services , Inc., a company I learned through XXXX to be a collection agency. They placed incoming calls from the number XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX of which I answered, but the call was automatically cut off. I also attempted to call back on XX/XX/XXXX but the line would not connect. Finally, on XX/XX/XXXX, I received a call from an alternate number, XXXX, and an actual agent was on the line. When I heatedly informed her that I was aware of the nature of her business but not my business with her and demanded to know why they were making these harassing calls, she became quite belligerent and, after checking her papers, told me she was calling about my {$3000.00} credit account with XXXX XXXX. 

Although they have lovely furniture, I have done business with XXXX in my life and own none of their pieces. When I informed the agent of that, she told me to hold on ( shuffling papers, whispers... voice returns to line ) - Oh yeah, I had the wrong information here. I told her, " That's right, you do, '' and ended the call. I am confused by the mix-up, but I'm furious about the harassing tactics that they used. This mix-up could have been much easier resolved if they simply spoke to me on their first call like an actual professional company - or if somebody even answered the callback number.
Consumer complaint received 2022-12-15
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. (SC)

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
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. (MO)

My credit score keep falling down by a over XXXX points two times in a month! This is while I have on-time payments and {$0.00} balance every month.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (WA)

I had filed a previous complaint XXXX. Unfortunately you guys close it too quickly and I didn't get a chance to upload additional information. Citi had asked us to put together additional information which we did. We called them and they have yet to call us back. The " perk '' of this card is to extend the manufactures warranty if you bought it from XXXX. I bought the XXXX XXXX XXXX from XXXX and they are refusing to honor the warranty and looking for any loop hole to get out of honoring this legitimate claim. I have 4 calls into XXXX the manufacture of the camera and all those calls resulted in XXXX saying yes it is covered under the 1 year warranty. Here are additional documents we put together showing specifically that the camera is warranted to operate at depths of 49.2 feet for up to one hour. Citi is hasn't called us back so I am filing this complaint. I find it ridiculously frustrating that Citi keeps acting like this isn't a " water-proof '' camera and shouldn't have been in water. I even attached a XXXX search that shows it is marked as a " water-proof '' camera.
Consumer complaint received 2020-02-26
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: MS SERVICES LLC (CA)

BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.