davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MD)

On XX/XX/2021 my Simple bank account switched over to BBVA and we were promised a seamless transition.

Since yesterday, I and many other former Simple customers have been unable to properly transition our accounts, or even access them, and some have even been unable to use their debit cards. BBVA does not answer their phones and even promised to be available at XXXX XXXX Central today but when we call, the line automatically hangs up XXXX some people hear a recording pretending to say they can't hear the customer before hanging up XXXX. The actual app interface is a mess ; I tried to start my account activation from scratch and it told me my account was already open. Luckily I wrote down the password I tried to create yesterday ( even though I got an error when trying to do this ) and I got a message saying I was locked out. 

Oh, and BBVA has not sent one email since this entire fiasco began, rather, they have provided inaccurate updates on an unverified XXXX account.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have attempted to contact Experian several times regarding the removal of old personal information, only for my request to be ignored. The information is still on my credit file. I have contacted the company by certified mail 1st, and when they didn't fulfill my request, I attempted to have my request fulfilled over the phone. My requests have NOT been fulfilled.
Consumer complaint received 2021-12-06
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. (IN)

My name is XXXX XXXX XXXX. I paid XXXX XXXX XXXX on XXXX {$840.00} to pay off my credit card and they keep telling Transunion Credit Bureau that I still have a balance. I disputed this 3 times. I don't know if it's Transunion or XXXX XXXX lying to me but I need your help because. I need my credit report done fair and correctly. I'm including info where I paid them off completely and my balanxe should be reported as XXXX balance. Thank You.
Consumer complaint received 2020-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation (TX)

XX/XX/2020 Called OneMain Financial XXXX branch where I took the loan to make sure payoff check was received, spoke to " XXXX '' on the phone and they received the payoff check. XXXX claimed the check was received and then started going into collection practices and started asking me when I could pay more money on the loan. I asked him please don't ask for me for money right now, then proceeded to ask about the GAP insurance, he immediately told me I came in and signed a form cancelling the GAP insurance, this is not possible, because I've never signed any form to cancel my GAP insurance. If a form was signed it was not from my hand and was most likely fraud on OneMains part. He then stated I needed to talk to the manager to pay off the rest of the loan, I asked XXXX to never talk to me again, because he is trained in improper collection techniques by OneMain Financial.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (WI)

On XX/XX/XXXX of XXXX, I XXXX  my hand at work. I went to the XXXX  at my local hospital. I was treated in the XXXX  and had follow up visits set up with the XXXX XXXX department at the hospital. I had and went to four follow-up visits in the XXXX XXXX department. 
I did receive a bill from the hospital for the initial XXXX visit. When I called the hospital about it, they told me they had not yet received the XXXX 's " XXXX XXXX XXXXnformation from my employer. I took the bill to work and received the XXXX 's XXXX XXXX information which I then gave to the hospital. I later received a second bill from the hospital, I called them again and explained that it was a XXXX 's XXXX XXXX. The Hospital apologized and said they would take care of it. The hospital has not contacted me again about that bill. 
States Collection Service is trying to fraudulently collect {$200.00} towards that XXXX visit. I have received numerous phone calls where they have left voicemails, they have sent text messages to my phone, they have written me. They are threatening to steal my tax refund. 
I did reply to them last year ( XX/XX/XXXX ) when they first contacted me. I explained that this was a XXXX 's XXXX claim. And that I had already given the XXXX 's XXXX claim information to the hospital and the the hospital bill was paid in full. I included with my response, their original request, the after visit paperwork from the hospital showing it was a XXXX 's XXXX  Claim, a copy of the accident report turned in to my employer, a copy of the XXXX 's XXXX Claim information I supplied to the hospital, and a printout from the hospital website showing that insurance had covered 100 % of the bill and my balance was ZERO. I told them to never contact me again, including by phone, text message, email, or in writing. 
State Collection Services has again written me trying to fraudulently collect {$200.00} towards a fully paid XXXX visit. They are threating to steal my tax refund if I do not pay them.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NH)

Opened a gym membership contract for 12 months. Was contacted by Aldous and Associates who stated I owed somewhere in the amount of XXXX $ for being in breach of contract. Sent certified mail of bank statements proving 12 transactions of XXXX, confirming my fulfillment of the contracted agreement. Also provided my written and signed statement. Contacted XXXX XXXX XXXX many times, can prove with phone records in attempts to cancel the contract early but was told I had to complete the 12 month contract. There was no early termination agreement set in place. 

This is devious and and mis representing if the company does not stand by a XXXX month agreement. If you call any XXXX XXXX XXXX, they tell you over the phone the contracts are a one year only. My wife has called XXXX nh and XXXX nh locations to confirm this. If they have hidden clauses then that are Mis representing their contracts and clientele are misinformed as to what they are actually signing. 

XXXX XXXX XXXX also never sent me mail of this debt I owed. Instead they went straight to a collection agency.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check issued from our insurance company a couple months back when and didn't know I had to get an endorsement. We acknowledge she is at fault for that, but this whole situation is being overly complicated by XXXX in the first place. 
XXXX comes, our car is repaired, and we prepare all the necessary documents XXXX needs to resolve this dispute. Last week, we were finally able to collect all of them and send them over, just to find out despite sending all the documentation they require, they still don't want to authorize payment. Now, our insurance company won't reissue a copy of the check because the check is cleared and suspended, our bank won't release the funds because they are protecting themselves from legal liability, and XXXX won't authorize the check, because they are being stubborn I guess. We haven't had this car in months, haven't defaulted on payments, haven't defaulted on our contract, and since this vehicle is leased, I imagine it's in their best interest to also have this vehicle repaired. 
I've done everything in my power to rectify this situation, but the only thing I can do from here on out is take legal action. We've wasted days, talked to multiple reps, gotten our bank and insurance company to talk to these people, been given ample misinformation, and nothing has been resolved about this situation.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
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. (FL)

To whom it may Concern ; I am a victim of Identity Theft. All the Information Below which is on my Credit does not Relate to any transactions that i have made. this is the result of identity theft. I did not authorize any of these Accounts. Please block this information From my credit Report, pursuant to section 605B of the fair Credit reporting Act.

Please send the required Notifications to all Furnishers of this information. 
Thank you
Consumer complaint received 2022-03-01
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. (WI)

ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX BANK XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
Consumer complaint received 2020-07-29
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. (IL)

Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

on XX/XX/XXXX i went to purchase a vehicle and came to aware during the financing process that a delinquent account from SYNCB/BELK is in my credit report for the amount of {$4100.00} which is not opened by me or no knowledge about this account. i contacted the bank fraud department and made a complain about this unknown account and the address used to open the account. The account was opened on XX/XX/XXXX using the address XXXX XXXX XXXX Ct, XXXX  XXXX which is not belong to me. Following that bank instructed it may take 30 days to resolve the issue.
Consumer complaint received 2021-12-06
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. (FL)

I have been trying to get access to my credit report in myequifax.com also I have been trying to apply for a credit card at a Bank and they say Equifax is has freeze and they cant pull my credit. I called several times to equifax and they said I don't have freeze yet the bank cant still pull my credit
Consumer complaint received 2020-07-29
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: I.C. System, Inc. (AZ)

In the process of repairing my credit score I disputed some old debt accounts that were listed with reporting errors and they were removed by XXXX. But I C Systems bought one of those removed old debt accounts and proceeded to reapply it onto my credit as a new debt with them and they are reporting it two times a month since XX/XX/2020. I have never directly communicated to this company nor did I receive any documents from them informing me who they were. I C Systems just suddenly appeared on my credit report claiming I had an account with them. I submitted a dispute to XXXX  on XX/XX/2020 to remove the account due to inaccurate dates on debt, this collection agency bought an old debt of mine from another collection agency and were claiming it was a new debt ( 2 months ) on my credit. 

XXXX  came back claiming that they investigated it and the account was up to FCRA requirements. But I investigated and found that what this debt collector is doing is against Federal Credit Reporting Policies. A collection account bought is considered a continuation of the original debt therefore the date of debt can not be changed to the purchase date the collector bought the account. " It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, you may have a legal case against them. ''
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson CapitalSystems has reported a collection account to my XXXX, XXXX  & XXXX  credit files. I do not owe this alleged debt. If Jeffersonhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Jefferson Collections has no legal right to attempt to collect a debt. Jefferson has not validated this debt nor sent me a notice of collection. Jefferson is inviolation of the FCRA.
Consumer complaint received 2018-07-23
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. (WA)

I received an alert on my Experian and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from XXXX XXXX.
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (IL)

Submitted an unsecured loan application communicating that I did not own a vehicle and the only offers they actually gave me were ones for secured vehicle collateral loans. 

The entire premise of the loan application was under an unsecured loan basis, I submitted the information that I did not have a car for collateral, and despite making it clear I did not have collateral for this loan only received dozens of offers for collateralized loans.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TN)

Capitol Accounts, LLC in XXXX apparently bought an account from XXXX XXXX that I had already paid off. XXXX XXXX bought another XXXX XXXX where I'd had an account. That account was paid off. 

Capitol Accounts reached out to me regularly for payment. I told them I did not owe the bill. In XXXX I filed a dispute. They said they would request documents from XXXX XXXX. I never heard back from them. I reached out to XXXX XXXX. Their office manager told me they had no record of my account and they no longer had documents from the original practice. 

Capitol Accounts still refused to remove this account from my credit report. I began following up again in XX/XX/XXXX. They have repeatedly said they are reaching out to the XXXX XXXX for a report. I called the XXXX XXXX, they say they have received no such request. The collection agency and the XXXX  office are literally 2 miles away from each other here in XXXX. At this time this account is still on my credit report and though I have repeatedly asked for documentation showing I owed this XXXX  Office money they have continued to put me off and not provide the request information and NOT take this account off my credit report.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX I opened accts. with Citibank responding to promotion that offered {$700.00} bonus for opening with {$50000.00}. I opened these accts. in person with XXXX XXXX, Personal Banker at Citibank XXXX XXXXXXXX XXXX, NY XXXX to be sure it was done correctly. We discussed what bonus I was interested in. Then I funded the accts. with online transfers. 
On XXXX XXXX, XXXX XXXX XXXX emailed me to tell me the funds had cleared and the required 60 days on deposit would make it XXXX XXXX, XXXX when I was free to take my money out, retaining only {$1.00} in acct. until bonus was received. 
On XXXX XXXX, XXXX he again emailed me to remind me everything was now clear and I could take my money out, again reminding me about the {$1.00}. 
With my XXXX Citibank statement I noted that only a {$300.00} bonus had been paid, and brought it to the attention of both XXXX XXXX, by email, and XXXX XXXX, another Personal Banker, in person. Subsequently it was also brought to the attention of XXXX XXXX, Branch Mgr. and ultimately I received a letter from Citibank saying I had not qualified for the {$700.00} because I had not maintained {$50000.00} for 60 days.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I provided proof that the XXXX bill, XXXX bill and XXXX that is on my credit was paid in full. I provided documentation. MY XXXX XXXX was denied and therefore the debt was no loner XXXX protected and I paid all of these debts in full. Yet, Experian, XXXX and XXXX  are still reporting BAD DEBT and Derogatory. I have been fighting for correct information for over a year, and would like these debts to be investigated thoroughly and do not exceed 30 days to correct.
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXl XXXX, Account # XXXX, Account # XXXX, account # 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 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 2020-12-15
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. (NV)

XXXX, Experian and XXXX XXXX Why do the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX