davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (GA)

XX/XX/2020, {$1000.00} due for hospital charges not covered. I spoke with a XXXX at One Advantage, LLC. after receiving a notice there was a debt of {$1000.00} from the hospital that was due. I informed her that I was never sent a bill from the hospital about the remaining balance and that I wanted to make payment arrangements because I didn't have that kind of money upfront. I told her that I was paying other medical bills to the same hospital for the same date of service and that this was never on those bills. The most I could pay would be {$50.00} a month. She said that was not an acceptable amount and that is probably why I didn't get a bill for this balance because the lowest amount they would accept would be {$200.00} a month. I told her I had XXXX kids and could not make that type of payment. She stated " that's nice you have XXXX kids, you need to use your tax return to pay off the balance. '' I stated that was not going to work as I had other obligations and that was inappropriate she even suggest. She said well if I want to send the {$50.00} in they would not refuse it but that if the balance is not paid off in six months they could sell the account to another agency and that agency may charge interest and it would mess up my credit. I asked her about interest being charged on a medical bill and she stated some agencies charge interest and that it would be in my best interest to pay them off quickly before they sold it to another company that would charge interest on the balance due. I made the {$50.00} payment, as that is all that I have, but I called the hospital and they confirmed they don't charge interest on medical bills. At this point I don't know who to believe.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

I contacted Equifax on XXXX XXXX, 2017 informing them that XXXX XXXX XXXX had pulled my credit report without my authorization. Furthermore, XXXX XXXX XXXX also pulled ran a credit inquiry with XXXX XXXX and XXXX XXXX. Again, I have never had any dealings XXXX XXXX XXXX. I requested these hard inquiries be removed from my file with Equifax. Equifax informed me they could not remove the inquiries and I would need to contact the companies directly, which I did. XXXX XXXX XXXX found no record of any transaction I ever had with them but being the unscrupulous company they are ( an F rating with BBB and revoked status ), they still have not removed the inquiry either. XXXX XXXX stated they had a record of an inquiry from XXXX XXXX at XXXX XXXX XXXX, so they could not remove the inquiry, XXXX XXXX XXXX would need to do so. So I am getting the runaround from everyone.
Consumer complaint received 2019-07-29
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: SYNCHRONY FINANCIAL (CA)

One debt collection should not exist on my report, Expired time on Bankruptcy not removed.credit reporting agency are fraud in our nation,never give us chance to rebuildwhole report is fraud & mess. So our Watch dog agencies in USAWORKING CLASS HAS NO WAY TO SURVIVE NAY MORE . I was biggest tax payer and destroyed by our fraud Govt as I blew whistle on fraud Wall Street banksters & global corporate crime.XXXX  fraud loot ponzi scheme is now $100 Billion free loot scandal and still going strong with all loot logistic support provided by our proven high Treason XXXX   Regulatory Authorities , CONGRESS/SENATE/PresidentsXXXX
Consumer complaint received 2019-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

Previously, on multiple accounts, I tried to talk with Navient about lowering payments and the forced me into forbearance. I was out of a job and had no option. I also feel they misreported payments. There are late fee charges on my account that I dont recall making late. Also, they have made it very difficult to remove the co-signer from my loan. It has been years and the co-signer is still not removed.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase continues to report the accounts that are the result of identity theft on my credit file. Police and FTC reports were provided and the account was not reported or blocked from being reported to my credit file. I contacted the executive office requested all alleged original documents and they claimed to have been signed by me due to victims of identity theft. I was told that I did not have to provide these documents and to send them a subpoena. I have not received any proof of this account that is a result of identity theft as being a debt I owe to JP Morgan Chase. Also, the credit bureaus were never contacted regarding the report of identity theft. Account is still on credit report.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2019, at XXXX XXXX I sent {$850.00} on behalf of my neighbor from Regions Bank through XXXX to a scam web site to purchase a dog. I received a confirmation that the money was sent from both XXXX and Regions Bank in XXXX, Al. The next day my neighbor ( XXXX XXXX ) called to tell me it was a fraud because he had communicated with the seller ( " XXXX '', aka XXXX XXXX ) and they wanted another {$750.00} to provide an " air-conditioned '' shipping crate. At that point, I tried to contact XXXX which has no means for registering a complaint about fraud or a means to try to stop the ongoing perpetration of a fraud. They do have a " contact '' page but it doesn't handle complaints about fraud. The only email I got back from them stated, in essence, too bad, we don't guarantee purchases through XXXX ''. I then filed a report through the FTC, I3, and then attempted to file another report through the Regions Bank " online banking '' department. Regions told me the transaction hadn't " cleared '' but that I still couldn't cancel it even though I was alleging it was fraud.I filed a report with Officer XXXX of the XXXX County Sheriff 's Department ( # XXXX ), and went to the Regions Bank Branch I use at The XXXX XXXX XXXX near XXXX Al. They took the information and promised an " investigation '', and again told me if I sent the money it was out of their hands unless my bank account had been breached. If I allege a fraud has been committed, Regions or XXXX should have a system to stop payment to determine the facts. XXXX, in particular, should be forced by the Federal Reserve to have a method to try to catch fraud with input from the individual customers ( consumers ) of their service. The response shouldn't be " Tough, we told you not to send money to someone you don't know. '' They should be forced to try to stop fraud and to publish fraud losses on their web site compared to XXXX XXXX, and Credit Card Companies and banks.
Consumer complaint received 2022-12-02
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. (CA)

I submitted a letter to Experian dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit 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: GOLDMAN SACHS BANK USA (IL)

In XXXX of XXXX I booked a long distance auto shipping service from XXXX XXXX XXXX over the phone. Each call was recorded by XXXX XXXX XXXX. They provided me a quote of ~ {$300.00} to ship my car from Florida to Illinois. I called several times to check-in on the status of my shipment, each time, my representative, XXXX XXXX , assured me that the transaction was proceeding as planned. 

Unfortunately ~XXXX hours prior to my scheduled pick up time, XXXX XXXX admitted on a recorded line that she had been unable to find a driver for at least the prior seven days, and that she had not been truthful with me. She forced me to pay XXXX the money to move my car. While it is true that my car was shipped, she lied about the service she provided as a XXXX and she purposefully waited until I did not have reasonable time to find alternative accommodations to inform me of any issue. 

Given I did not receive the XXXX service for which I paid, I contacted Goldman Sachs bank to dispute the transaction. The representatives I spoke with understood my complaint, one agreeing it was unethical over text, and opened a dispute on my behalf. Unfortunately, Goldman Sachs bank denied my dispute and sided with the merchant on several occasion. Each time I reopened the complaint I was told repeatedly that they understood my complaint and that they would reopen it for further evaluation. 

On XX/XX/XXXX, XXXX, a disputes representative informed me that he did not see reason to reopen my dispute as he had not seen sufficient proof to substantiate my claims. I told XXXX that XXXX XXXX XXXX recorded each of our phone calls, and XXXX replied stating the merchant can provide whatever evidence they see fit. In other words, XXXX informed me that Goldman Sachs had no intention of requesting the evidence from the merchant that could substantiate my claims. I reached out to another representative on XX/XX/XXXX and he informed me that the burden to prove I was scammed was exclusively on my part and that they will not ask the merchant for additional details. 

Goldman Sachs has admitted that they view each of their clients as guilty until proven innocent and that they will not take any action to advocate for their customers against predatory merchants.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (FL)

I have contacted Continental Finance Company several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. Continental Finance Company acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at Continental Finance Company since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to Continental Finance asking that the XXXXXXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and XXXX are showing this account as late, when it has never been late. I have also contacted XXXX and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (PA)

Yes there was a issue with my td bank account. I talk to the associates to unlock it and they said they did so, Yet they didn't. I told them to close my account.And send the money left in account which said they would. Almost a year ago. I reopen account. I love TD Bank. But yet no access online due to first account. When clearly they should took care of problem. Now call them and went in to to clear this account. So not sure why never got check of the amount had in account and closed that account so i can have online access to new account.
Consumer complaint received 2017-07-25
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. (MD)

I noticed on my transunion report that there are multiple inquiries that were not authorized by me. Here are the inquiries.    1  :   XXXX   XXXX    on  XX/XX/XXXX  2 :   XXXX   XXXX   on  XX/XX/XXXX  3 :   XXXX   on  XX/XX/XXXX  4 :   XXXX   XXXX    XX/XX/XXXX 5 :   XXXX    on  XX/XX/XXXX  6 :  XXXX  on  XX/XX/XXXX  7 :   XXXX   on  XX/XX/XXXX  8 :  XXXX  on  XX/XX/XXXX  I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (FL)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2019-03-28
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: CITIBANK, N.A. (TX)

My name is XXXX ( XXXX ) XXXX. I had fraudulent transactions on my Citi AAdvantage card ending in XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I notified Citi about those unauthorized transactions in XX/XX/XXXX. 

I sent proofs and evidences that I physically was unable to make those transactions ( I didnt and dont own a car, I also had the card in my possession the whole time ) but those transactions took place all over XXXX XXXX, XXXX, XXXX, XXXX, XXXX and even while I was outside of the country. I never made transactions outside of XXXX unless I was flying/traveling. I used my card at connecting airport ( XXXX XXXX ) while waiting for my connecting flight to XXXX, XXXX on XXXX XX/XX/XXXX. 

As mentioned, I sent proofs to Citi Fraud Dept ( via fax XXXX & certified mails ) numerous times in XXXX & XXXX. 
XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX and in XXXX : XXXX XXXX, XXXX XXXX The bank credited my account for fraudulent transactions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. But Citi still hasnt credited my account for fraudulent transactions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. On top of that Citi has been charging me late fees and interests. 

As of today XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX statement cycle, outstanding balance for fraudulent transactions and fees is {$790.00}. Numerous phone calls to Citi Fraud Investigation Dept XXXX and Citi Customer Service Dept XXXX but got nowhere with Citi. 

I have been banking with Citi since XXXX and no issues till last year. I always paid my entire balance by due dates. Please resolve this matter ASAP and credit my account for remaining fraudulent transactions on billing cycle XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. 

Proofs & documents are being sent to CFPB via fax XXXX ORIGINAL CARD : XXXX REPLACEMENT CARD : XXXX
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: EQUIFAX, INC. (VA)

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX services ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2019-10-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA (TX)

Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with Kia for a car I co-signed with my son. He went on to explain to me since I have a current car with Kia, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current Kia account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/XXXX something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: C/C Financial (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-12-01
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : -.
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have contacted my mortgage company XXXX XXXX on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.