davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MI)

On XX/XX/2021, BBVA absorbed its subsidiary Simple Bank. In the preceding months, BBVA assured me that the transition would be smooth, and that on XX/XX/XXXX I would be able to quickly set up online access to my account. That simply did not happen. 

On XX/XX/2021, I called both Simple and BBVA to try to set up a BBVA mobile account before the XX/XX/2021 hard transition. I was told by a representative of BBVA that Simple customers would not be able to set up a BBVA mobile and online portal before the XX/XX/XXXX switch. The representative also informed me that I would not be able to access my Simple account after XX/XX/2021 at XXXX XXXX 

On XX/XX/2021, I attempted to set up a BBVA mobile account, and received an error message. After repeatedly trying to set up the account, I called customer service. At this time I could not check by balance through BBVA or access my account through the Simple App, I seemingly had no way to access my account. On this call, the customer service rep stated that the issue was that BBVA had created 2 accounts for my bank account and that was what was causing the error. They assured me that the problem would be rectified by the afternoon. It wasn't. 

That afternoon I again attempted to create my BBVA account, and again I received an error message. I again called BBVA 's customer service line, and waited on hold for more than 30 minutes without an answer. I tried to create an account again later that evening without success. 

The next day I called BBVA at least 5 times, and waited on hold for more than 3 hours cumulatively. I tried different BBVA supplied customer service numbers. On one, I got a message notifying me that BBVA 's customer service line was closed until Monday. On another, a representative seemingly picked-up, claimed that they could not hear me XXXX before I even had the chance to say hello ), and then hung-up. Finally, I got through to a representative, who had to reset my account multiple times before I could finally gain access. As part of that process, I was informed that, in order to have the representative perform that action, my account would be locked for 24 hours for " security reasons '' and that I would not be able to make deposits or withdrawals from the account. 

While I now have access to the account, and, to my knowledge I have not incurred any fees or lost money as a result of this process, I wanted to submit a complaint due to the manner in which I've been treated by BBVA, and because I have seen reports of other former Simple customers that have been charged fees, or lost money as a result of this process.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX {$16000.00} Account closed Terms of 1 Month. Payment status : Seriously past due date assigned to attorney, collection agency. I have never opened an account in XXXX with no one. I have tried to dispute numerous times sent in docs. At this point Im ready to move forward with filing a Lawsuit against Experian!!!!
Consumer complaint received 2022-01-24
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. (CA)

Greetings, Please find attached a record of dispute ( dated XX/XX/2021 ) mailed to Equifax requiring the addition of the account/s information included therein to my Equifax file XXXX The same was to update my Equifax consumer report at which time a copy of said updated report was to be delivered to me as a result of the re-investigation. This requirement was per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ).

Based on Equifax 's failure to respond or update my consumer report as required, I did deliver the attached reconciliation document ( dated XX/XX/2021andXX/XX/2021 ) within the thirty ( 30 ) day time frame described per 15 USC 1681i ( a ) ( 1 ) ( A ) for re-investigations. Consumer report updates per reconciliation document is by right of the consumer. See 15 USC 1681i ( a ) ( 4 ) and 15 USC 1681i ( a ) ( 5 ) ( B ). Equifax has failed to respond to the consumer. 
As supervisors of the Consumer Reporting Agencies I request CFPB to direct Equifax to update my Equifax consumer report with the attached account information. I ask that you also update XXXX and XXXX with the same information. ( See FCRA 611 ( a ) ( 5 ) ( A ).
Consumer complaint received 2022-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (TX)

In XX/XX/XXXX, I had an XXXX XXXX on XXXX XXXX in XXXX XXXX, CA and was taken to the emergency room at XXXX XXXX XXXX for treatment. This was the second visit to this ER in less than a year. 

I had been unemployed since XXXX due to my XXXX. At the time, I had XXXX insurance that I was paying out of my savings. I was receiving unemployment ( ~ {$450.00} / week ) with a XXXX supplement ( ~ {$300.00} / week ). My income was far below 350 % percent of the Federal poverty level. During the year before I had my XXXX, I had medical bills of more than {$10000.00} ( far more than 10 % of my income ). California law ( SB-1276 Health care : fair billing policies ) requires hospitals to provide discounted care to patients more than 350 % below the Federal Poverty level and with out of pocket medical expenses more than 10 % of their income. 

I spoke with billing agents at XXXX. They told me ( over their internal messaging system ) that I needed to apply for their charity care program. At the time, they told me they could not accept an online / emailed application and that it would need to be sent via mail. I mailed an application to them with copies of my unemployment paperwork, as well as all of my medical bills. I never heard back from them. I tried reaching out by phone, but was told that they could not tell me anything about the status of my application. I started receiving bills for my care again in early XXXX at my parents ' address in Texas ( where I moved when my unemployment and savings ran out ), so I sent another application form in, this time with my XXXX W-2, which shows an annual income of ~ {$39000.00}. 

In XXXX of this year ( XXXX ), I received a bill from USCB America ( a medical debt collector ) trying to collect this bill. Because the hospital has not provided me with discounted care, it is not legal for this debt collector to attempt to collect.
Consumer complaint received 2019-10-09
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)

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.
Consumer complaint received 2022-01-23
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. (GA)

To CFPB. 

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

List of accounts to be deleted : XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-01-23
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. (FL)

XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (MD)

I am again disputing the following account with the company XXXX XXXX XXXXXXXX XXXX this is not my account I have included this account in my FTC as Fraud I am requesting your company to remove this account from reporting this FRAUD
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (AL)

I am a natural person, I am a living human being. I have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681 and they violated my rights numerous of times. I demanded the account listed below be romper because According to 15 usc 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (TX)

My annual fee of {$59.00} posted on my XXXX XXXX Banco Popular Visa on XX/XX/XXXX. I went to close the card on XX/XX/XXXX and was told that the annual fee can not be reversed and this was a policy change. I do not think this is fair considering I am still within a 30 day window and especially during this time of covid.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WV)

My Chime checking was hacked and I for warned my bank that I got an email telling me my phone number was changed. I immediately called Chime and was put on hold several times and sometimes for an hour or more. Then they hang up on me. They had plenty of time to stop any company from taking my social security check but they did nothing. I filled a dispute and got an email from Chime telling me my is closed and I'm not getting my money back. I have never heard of or done any business of any kind with XXXX XXXX that took {$1100.00}. They completely cleaned out my checking and savings account. They have also let XXXX and XXXX take almost {$100.00} a piece. I can't get my meds, food or even pay a bill because they took every XXXX.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I had posted an advertisement on XXXX looking for a roommate. A person named XXXX XXXX ( XXXX, XXXX ) reached out to me via email that he is looking for accommodation for his daughter and is interested in it on XX/XX/XXXX. He mentioned that his daughter XXXX XXXX ( XXXX ) would be moving in XX/XX/XXXX and sent her ID proof ( passport ). I had requested an amount of XXXX $ for the rent ( XXXX for XX/XX/XXXX to XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX rent - XXXX $ ). He sent me a check for XXXX $ via email on the same day and asked to do a mobile deposit and I did and asked me to deduct the rent amount ( XXXX $ ) and send the remaining amount ( XXXX $ = XXXX $ - XXXX $ ) via Chase XXXX to a specific contact number of XXXX ( XXXX ). On XX/XX/XXXX the check got cleared and I received the funds. On the same day, I sent XXXX $ through XXXX to the above number. On XX/XX/XXXX I sent the remaining XXXX $ through XXXX to the same number. On XX/XX/XXXX the check for XXXX $ was recalled back and the funds were removed from my account. I called Chase and they mentioned that the depositor had requested for the check to be recalled. I don't know how Chase permits to recall checks that are already cleared. 

I have filed a police report in XXXX, Washington and the investigation in ongoing.
Consumer complaint received 2021-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (PA)

Freedom Debt relief is falsely representing their services. In many cases they are not at all negotiating any relief from creditors, i have several accounts that I am now paying MORE in return from the enrolled principal amount of debt. This is negatively affecting my credit score. Furthermore, they have refused to disclose to me their tactics, what terms they were negotiated on, whom i can speak with about how my debts were discussed, and why the repayments are higher than the amounts I OWED the creditors. I also was discouraged from disputing anything on my credit report and was told that I could not know the terms of the repayment or debt repayment discussions. Additionally, I have refused the terms of the most recent debt because its higher than the amount I enrolled into the program, they are refusing to move on, and address other areas of debt instead. They refuse to provide me with any information regarding how and what terms my debt was negotiated, and they can not tell me why my enrolled debt is lower by thousands than the results they are negotiating. I can not fix my credit without this information. I doubt they are negotiating AT all. They are falsely representing the amounts of debt that they have reduced. For example, a principal plus their FEEs means that I actually lost more than {$100.00} on one account for having them " negotiate '' my debt.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

my tenants XXXX XXXX and XXXX XXXX paid me a check for the rent which i deposited to JP Morgan chase bank on XX/XX/2019XXXX amount of the check is {$830.00} and {$240.00}. On XX/XX/2019 chase told me that the check was returned unpaid. chase did not credited my account the amount of check deposited. So i went back to my tenant to collect the unpaid rent, my tenant went to XXXX  XXXX XXXX to find out what happen and they said that they paid chase bank. until now we don '' t know were the money is. Iask chase, they don '' t have the money, my tenants ask XXXX  XXXX XXXX and they said they pay Chase.
Consumer complaint received 2022-04-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  - XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-23
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. (OH)

Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The XXXX XXXX XXXX XXXX, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if TransUnion, XXXX and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE.

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and TransUnion XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX ( {$320.00} ) - TransUnion - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My wife was paid by check from her employer on XX/XX/XXXX and she did a mobile deposit with Wells Fargo. The funds are not available at this time due to whatever reason. The total amount for this transaction deposit is {$1000.00} and 100 % of the amount is still on hold as of XX/XX/XXXX. Wells Fargo ( My bank ) has already received the funds from XXXX ( Payers Bank ). I have a copy of the check from XXXX proving the funds have been paid on their end, and I have a bank statement proving funds have been withdrawn. Wells Fargo is illegally holding my funds for no reason as this transaction is valid and nothing to do with fraud. Wells Fargo has caused unnecessary stress in my home and I demand a full investigation. 

Wells Fargo has stated they contacted XXXX bank to verify funds, but after my manager spoke to XXXX Bank in concerns with the funds being withdrawn, XXXX informed my XXXX that Wells Fargo had not contacted them. 

This is deceiving a customer and it is in violation of the UDAAP. I need resolve now.
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I have a balance with XXXX XXXXXXXX XXXX. Some of the accrued balance is from XXXX XXXX therapy sessions. I was approved in 2020 for XXXX 's Fund from XXXX XXXX that provides me SIX FREE mental health sessions. Colorado XXXX XXXX was aware of this, but instead sent the claims to my insurance company which only covers a certain amount. When the sessions should not have ever went to my insurance company, they should have been billed directly to XXXX XXXX for XXXX 's Fund. I am not responsible for this cost but it was sent to collections. 

Not only this, but there are costs that are related to COVID in XXXXXXXX 2020 that are not my responsibility as Covid care should be free.
Consumer complaint received 2022-01-23
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. (NJ)

Someone stole my identity and opened a fraudulent account with XXXX XXXX  without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help
Consumer complaint received 2022-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Someone stole my identity and opened a fraudulent account with XXXX BANK without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help