davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XX/XX/XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. I qualified for the terms on XX/XX/XXXX with an electronic deposit of {$300.00} on XX/XX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. Timeline : Account Opening Date : XX/XX/XXXX Electronic Deposit {$300.00} : XX/XX/XXXX On XX/XX/XXXX, BBVA responded that in order to qualify for the bonus, the account must have a positive balance, and that in order for the bonus to post, I would need to have funds in the account. Once the funds are in the account, the bonus would then post. 

I have deposited {$100.00} into the account and I still have not received the bonus as stated in terms and conditions, as well as BBVA compass reply to my original CPFB complaint # XXXX. My efforts to reach BBVA compass through customer service have been exhausted.
Consumer complaint received 2021-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

To Whom it May Concern : After viewing a copy of my credit report I noticed three collection accounts placed on my credit report from you this in 2017 with the same account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2021-04-21
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. (TX)

Experian sold my information and now debt collectors calling to collect a debt the original creditor charged off and received a tax break : FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY payment never late : XXXX XXXX XXXX - Closed 1 late payment
Consumer complaint received 2017-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I have repeatedly asked this Collection Agency to provide me with validation that the account belongs to me. After doing further research this company Helvey and Associates are not licensed or bonded to do collect any debts in the state of North Carolina. I have checked my state website XXXX XXXX XXXX. No information for this collection agency is listed.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are several accounts showing on my credit report with activity ( both charges and payments ) I am not responsible for. These accounts are unknown to me, and I was not aware of the debt until I viewed a credit report earlier last year, and then began disputing. I have repeatedly given them FTC reports, and disputed with credit bureaus and it is not getting resolved. They send dismissive letters that do not adhere to the FTC notice to furnishers regarding my rights. They do not send the application and receipts ( proof ), delayed closing the accounts, and basically just ignore the requests I make or dismiss them.
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (DC)

I disputed this claim in 45 days ago regarding this debt. It was never validated never given proof of debt or were it came from. I placed fraud alert on my account a month ago. They have put inquiries on my report that were n't authorize. I would like this company to validate their claims of debt. I have no paperwork from this collection nothing. The amount is for XXXX. I submitted a complaint to BBB XX/XX/2017 also.
Consumer complaint received 2021-09-07
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: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$5300.00}. Never applied for a Time Share Loan. 

XXXX XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of {$1200.00}. I've reached out numerous of times trying to explain that I don't owe but it keep appearing on credit report. Never applied for this loan. 

XXXX XXXXXXXX XXXX # XXXX was charged on credit report on XX/XX/XXXX of XXXX for the amount of {$950.00}. I never applied for this loan and don't know why its negatively affecting my credit score. 

XXXX XXXX was charged on my credit on XX/XX/XXXX, of XXXX for the amount of {$1300.00}. I never applied for this Loan. 

XXXX XXXX was charged on my credit report on XX/XX/XXXX of XXXX for the amount of XXXX. I never applied for this company services. 

I have reached out to all companies and disputed above charges.
Consumer complaint received 2017-10-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: National Asset Advisors, LLC (MI)

I fell behind on my mortgage payments for three months due to identity theft, and then loss of income. I started worked with a Housing Counselor to help me avoid foreclosure. With her help, we completed a Loss Mitigation packet in XXXX 2017. She also helped me complete an application for Hardest Hit Funds, but XXXX XXXX XXXX will not accept them, despite attempts to get them to participate in the program. It is now XXXX, and I have never received any paperwork back from XXXX XXXX XXXX. Someone did come to my home in XXXX or XXXX to post a notification that I needed to bring the loan current, or I would lose my home. I have continued to make on time payments since missing those three months, and they are accepting my payments. When I call the company to discuss my situation and ask for an update on the Loss Mitigation packet, no one answers and I am forced to leave a message. My Housing Counselor spoke with the Loss Mitigation Manager and he agreed to a scheduled phone call appointment, but did not call and will not answer our phone calls. We have tried all phone numbers we could find, but we are only able to leave a message. I did receive notice on XXXX XXXX, that my mortgage payment is going up due to escrow shortages/tax increases, but I have not received anything else referencing my Loss Mitigation packet. I am concerned that I am close to losing my home, or that a sheriff sale has already occurred without my knowledge. I have XXXX children and do not want to lose our family home of five years. According to my Housing Counselor, XXXX XXXX XXXX is not following foreclosure guidelines.
Consumer complaint received 2020-08-19
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. (TX)

I downloaded the app XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXX {$11000.00} XXXX  XXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}
Consumer complaint received 2021-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (FL)

I am currently in the XXXX XXXX, where I do not have access to receiving SMS text messages with verification codes on my cellphone because I do not have my SIM card with me ( it was stolen along with my cellphone on XX/XX/ ) I do however still have my laptop and I have regained access to all my accounts successfully, as there are multiple ways of verifying my identity with financial institutions besides an SMS code sent to my cellphone. 
Robin Hood brokerage however, has been giving me the run aound and making it impossible for me to regain access to my account, despite the fact that I have access to the email associated with the account I have with them, I have my login credentials and I have submitted a scan of my passport and about a half dozen selfies of myself and myself holding that same passport. 
Robin Hood keeps moving the goal post every time I send them a photograph just how they described they want it. First they say they wanted a scan of my ID, then they wanted to see s selfie of me, then a selfie holding my ID, then they said that there can not be any glare at all on it ( impossible as the ID page has a security plastic coating ), then they said all of the text has to be readable ( so I had to take a selfie with my face and passport closer to the camera ), then, that more of my face has to show on the picture and then, that my fingers can not cover any portion of my passport ( which is unreasonable since they already have a clear full resolution scan of my passport and in the photographs of my holding it ; maybe not all the text is in full resolution and there may be a tiny bit of glare or the tips of my fingers may be on the edge of the ID page in order to hold it open for the selfie, but it is very obvious that it is the same passport they have a clear scan of ) A picture that shows my face from a normal distance from the camera, where all the text on my passport is clear and legible and where there is not a speck of glare and where my fingers don't cover any part of the ID page on my passport is undoable and unreasonable. 
Robin Hood keeps emailing me, saying that they will consider my issue resolved, but I still have no access to my account and can't manage my small investment in cryptocurrency that I have with them. 
This is like being robbed by this company and I need help. Please look at the photographs I have submitted to them and you will see how unreasonable and impossible to work with these people are!
Consumer complaint received 2021-09-07
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. (AL)

My credit file was not corrected as a result of your research. I've already told you that my report contains accounts that are the consequence of identity theft. Please conduct a re-investigation and notify me of the outcome.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (TX)

Something showed on my credit report that has to be a mistake. XXXX XXXX XXXX says I owe money but I have n't been to the doctors in years. Why would something just no come up? My name is common so they may have me mixed up with someone with my same name. This has to be wrong.Please help me
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

Hello About a year ago, I bought a cloth at {$25.00} at " XXXX '' and paid with opening new store credit card. 
Since then I did not get any bill from the credit card company about the payment. 
On sometime XXXX of XXXX, I got a call from Comenity bank and I owe over {$100.00} due to non payment. That time I explained and they agreed I did not get any bill from them and waived the fee. I gave them my credit card number and asked them to charged the original balance. 
However, on XX/XX/XXXX, I got my first bill and find out it includes late fee of {$27.00} and {$2.00} for interest charge. 
On XX/XX/XXXX, I called the bank and explained what happened and ask to waive those fees, and offer to pay the original fee to them. 
However Bank told me they ca n't waive the fee and insisted I owe {$33.00}. I do not want to argue them over the phone and ask them to charge the {$33.00} from my checking and asked to close the account.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I 've asked before this is my 3rd dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from XXXX and XXXX and Equifax credit reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my 3rd dispute on this issue ... .since the Equifax data breach my information has been exposed I have asked that Equifax , XXXX and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

Equifax please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX please remove the following inquiries ... .see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on there twice ) remove one at least
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions. 

After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. 

This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice
Consumer complaint received 2021-09-07
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: LEXISNEXIS (CT)

I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. 

( SECTION 1 : IDENTIFICATION RECORDS ; LexID XXXX ; RECORD 1, RECORD 2, RECORD 3, RECORDS 4, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORDS 12, RECORD 13, RECORD 14, RECORD 15, RECORD 16, RECORD 17, RECORD 18, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 34, RECORD 35, RECORD 36, RECORD 37 )
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX complaint XXXX-XXXX  was submitted through CFPB for 2 unauthorized inquiries from XXXX XXXX from dates : XX/XX/XXXX, and XX/XX/XXXX with Experian. XXXX answered that was going to them off, on the answer to CFPB. The Credit Agency neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer
Consumer complaint received 2017-10-19
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: UNITED ONE RESOURCES, INC. (MD)

A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northeast Recovery Solutions, LLC (MO)

XXXX XXXX Services or XXXX ( XXXX ) continues to contact me at my office, involving my boss and co-workers in this fraudulent attempt to collect a debt. I have asked them REPEATEDLY to stop calling my office and only to contact me via XXXX Mail. The last call was on XXXX @ XXXX.