davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TN)

On XX/XX/2019 I open a checking account online with Iberiabank. At the beginning of the application process their website states : This account opening process will only take a few minutes to complete. You can also save and retrieve the application later if you need to. We welcome all applicants who reside in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Tennessee, and Texas states to apply online. You must also be a United States Citizen to apply for an account online. For all non-U.S. Citizens, please go to your nearest branch to apply for an account. 
I applied, made a deposit, got information for online checking and was able to log in with my new account number. I received several emails welcoming me. I found out a day later that my application was refused because I didnt live within 60 miles of a branch. This was standard policy. No where on their website or during the application process did they mention this fact. You would think their application process could easily determine if you live within 60 miles of a branch. If this was the policy then why not simply state that we take applications in these states as long as you live within 60 miles of one of our branches. The way it sounds as long as you live in one of these states you can open an online checking account.I had already set up direct deposit from work. Thankfully I was able to cancel this before my next check came out. Can you imagine the trouble I could have incurred with my pay check going to a closed account.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at XXXX U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX sup XXXX ( XXXX XXXX )
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (OR)

I finally looked at my credit report this XXXX to pay down my debts. I called XXXX about the duplicated charge for the same day posted to a debt collector and was told to call the agency which was evergreen professional recovery but that they would dispute the reports. there were three. one for XXXX dollars placed on XX/XX/2016, and two for XXXX dollars for the same day on XX/XX/2016. 

when I called evergreen they suddenly claimed I owed over XXXX dollars in medical debt from XXXX from XXXX not the XXXX on my XXXX  report. I had insurance at the time. she tried to lie to me about sending me the medical records from XXXX that show what procedures that money is from to get my address from me. I know creditors do not have access to information about procedures ive had or not had because it violates XXXX policy. 

furthermore XXXX sending me to collections instead of billing my insurance is predatory and seems to be a part of something they do on a regular basis. I am not the only person to have this experience. I have XXXX  and no job now and have XXXX charges or copay with this type of state insurance and somehow they are trying to take me to collections for recent things as well. it should be noted that in between XXXX and now I've had providence, as well as health share Oregon all under this same tier and umbrella of XXXX  and have never been charged for anything. XXXX would get paid the same if they took their charge disputes to XXXX instead of harming those under XXXX XXXX that have no money and no jobs and that's WHY they have XXXX.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2017-07-08
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. (LA)

I have asked Experian to take all the old address of off of my Bureau report and they have not. I have Rights as a consumer to ask if I have not lived or even resided at the residence. I have been at my present residence for over 4 years and I told them those addresses were wrong, I have disputed them 3 times and sent a formal fax. only 1 address should remain on my report
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MD)

I received an alert from XXXX XXXX showing National recovery agency has reported a debt that they alleged I owe from XXXX, I never received any notice to dispute the validity of the debt, also they have the opened date as XX/XX/XXXX. On the credit it is showing that XXXX XXXX is the original creditor, which they failed to bill the secondary insurance. 

National Recovery agency is not licensed in the state of Maryland to collect, per Maryland guidelines you have to be licensed in the state of Maryland in order to collect a debt.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NY)

The loan was transferred from XXXX XXXX  XXXX to SN Servicing. 
According to what was told to us it was transferred in XX/XX/2019. We received no correspondence. In XX/XX/2019 we started to receive numerous collection calls. 
We have a authorized third party reaching out to SN Servicing on our behalf and they could not speak to anyone on the loan. Before we were made aware of the loan servicing transfer we could not get any information on our loan transfer from XXXX and no information from SN Servicing. After numerous call from the asset manager. 

On XX/XX/2019, the asset manager, sent a request of a {$10000.00}. payment on the account. The statement that we received from SN Servicing does not show or reflect a {$10000.00}. payment that we made on the loan. 
A payment of {$10000.00}. was paid on this account Ck # : XXXX on XX/XX/2019. 
Where was the payment applied? What is really owed on our loan?
Consumer complaint received 2021-11-18
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. (IL)

To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX XXXX Appalled by that information, I went directly to XXXX XXXX and in their response to my inquiry they claim to have never verified this item with you and gave me the enclosed letter stating they couldn't verify the bankruptcy .This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the letter from XXXX and the court house for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-11-18
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: Conn's, Inc. (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (IL)

Company is called Credit Corp Solutions. They are out of Utah. They keep calling me from local area codes ( same area code as my phone number ). The never leave any sort of message. The phone numbers, when searched, do not provide any details of the caller. Most people receive many spam calls, the calls from this company appear to be spam calls as the are 1. ) not from a " business-like '' phone number, e.g. phone number ending in XXXX or with repeating ending digits ; 2. ) they do not leave a voice message ; 3. ) phone calls keep coming from different numbers. I do not answer these calls as they appear to be spam. 

I contacted a number from a missed call 3-5 times. I asked who they were. They mumbled something inaudible or told me " they deal with personal business matters. '' I specifically asked over and over and over again if they are a collection company/agency, etc. They REFUSED to admit that they are a collection agency. " We handle a variety of personal business matters. '' Asked again if they are debt collector, got another deceptive response, asked again, and again. Last call to them, I asked about 6 times, got 6 different answers until they finally said that they are a debt collector. 

No one at any point said to me " this is an attempt to collect a debt, any information obtained may be used for that purpose. '' They repeatedly asked my name and tried to get me to tell them my name. 

I told them " I had a medical bill, and the only one who would be calling me would be someone collecting a medical bill, are you a debt collector? '' They responded by again asking my name and trying to get me to verify my name and telling me they handle many different personal matters. 

I think that their phone behavior in refusing to admit the name of the company, refusing to admit that they are a debt collector, refusing to disclose that they are trying to collect a debt, telling me on the phone on 5 separate calls that they handle " personal business matters, '' and repeatedly trying to verify my identity is deceptive.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to send documents to Transunion to a fax number they gave me : XXXX for three days. I have used the resend button on my office fax machine so that it continues trying to send, to no avail. I even walked to XXXX 's to try their fax equipment, as well as my IT department, who said a credit agency 's fax should be set up to accommodate consumers. 
To get through to Transunion, there is usually a wait time of about 45 minutes before you get an agent on the line, who, by the way, is in a call center outside the US. The first time I spoke to one, he said he had a lot of static on the line and could n't hear me. I had to try again and wait yet another 30 minutes. They are very brusque, quite rude in fact, and told me that I must keep trying that fax number because there 's nothing they can do about it. Meanwhile, I have a very time sensitive and expensive situation on my hands. 
I legally changed my name, a very simple change, such as, ( and this is an example, not my real name ) from XXXX to XXXX. The middle initial and surname remain the same. Since I am in the process of purchasing another property, a credit report will be generated but it will have my " old '' name and not the one on my bank accounts, ID or credit cards. Hence the urgency with which I need this handled. 
For XXXX and XXXX it was a breeze ; for XXXX, you simply go to their website and upload the documents and for XXXX you send the paperwork to an email address. Transunion remains in the stone ages -- who uses a fax machine anymore? 
This is shameful and an egregious example of how credit agencies impact our lives -- we are at their mercy, yet when we try to consult with them to rectify things, they fail miserably.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (MI)

Several months ago, I received a bill from XXXX XXXX XXXX  XXXX XXXX ( XXXX  ) for XXXX XXXX allegedly performed on XX/XX/21. I wasnt in XXXX XXXX on XX/XX/21. I found information online but no website. I eventually found out that XXXX performed XXXX for a local hospital. XXXX phone had been disconnected. I called the phone number on the bill. They refused to supply information unless I gave my SSN or DOB. I refused. I did inform them that they had the wrong XXXX XXXX XXXX. No further progress could be made. 
Several months later, I received another bill. I ignored it. Today, XX/XX/21, I received a bill from what purports to be Oliver Adjustment Co , XXXX, which claims to be a collection agency. I called the phone number on the bill, XXXX, and spoke to a woman who identified herself as XXXX XXXX. Her name is also on the bill. She refused to provide any information without an SSN or DOB. I refused. I then spoke to a person who identified herself as XXXX. She refused to give me her full name, claiming she was legally prevented from doing so unless I gave my SSN or DOB. I informed them that they had the wrong person, but they refused to proceed unless and until I had provided them with my SSN or DOB. They hung up.
Consumer complaint received 2020-10-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2020 I made a purchase on XXXX for {$71.00}. 

On XX/XX/XXXX I received an email stating the the package was delivered. It was not. 

I contacted XX/XX/XXXXonXX/XX/XXXX requesting a return/refund. 

The vendor refused saying that the package was delivered. 

I received an email from the the ebay vendor, XXXX, on XX/XX/XXXX @ XXXX that said, " Tracking shows that the package was delivered to you ''. 

On or about XX/XX/XXXX I filed a missing package claim with the USPS XXXX Service request # XXXX. I received an email from the USPS on XX/XX/XXXX @ XXXX acknowledging my inquire and that they would review and investigate the information I had provided. 

After not hearing anything from the USPS and not being able to contact anyone I filed another missing package report on XX/XX/2020 report. Service request # XXXX. 

On or about XX/XX/2020 I filed a dispute with USAA about the charge telling them I had not received the package. 

USAA denied my claim and rebilled me on XX/XX/XXXX. 

I contacted them on XX/XX/XXXX and was told that it was my problem with the USPS and that my claim will be denied. 

I was contacted by the USPS on XX/XX/XXXX via phone call and was advised the package was sent to the wrong USPS facility As I am not the one who chose how to ship the item, the vendor did. 

I contacted the USPS again today Today, XX/XX/XXXX, I contacted the USPS and they informed me that the package was delivered to XXXX XXXX  XXXX XXXX, XXXX '. My address is XXXX XXXX XXXX XXXX XXXX XXXX '. 

A supervisor from USAA told me that there is nothing they can do because the vendor would be out the money for the item and that my only action was to file a claim with the USPS for the money I'm out. 

I want USAA to adjust my account for the {$71.00} and admit their error.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXXXXXX XXXX PA, XXXX Company name : Credit Collection service Company address : XXXXXXXX XXXX XXXXXXXX XXXX, MA XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Individual action of the Fair Debt Collection Practices Act and Defamation of Character.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 I transferred {$3200.00} from my chase bank account to my recipient 's bank account in order to secure an apartment. The transfer was an international wire transfer from the US to XXXX. The amount was debited from my account and as of XX/XX/XXXX, the recipient has not received the funds. 

I have followed up with chase bank and they state they are unable to trace the funds and the wire transfer has been completed on their end. I have called on numerous occasions and visited the physical bank and chase has not been able to resolve the issue.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I have filed previous complaints on Experian and I'm alleging the have a personal agenda to prevent me from raising my credit score. Here is another example. I tried to boost my credit score by signing up for Experian XXXX. I meet all of the qualification ; XXXX ( XXXX ) which I pay every month and is linked to my XXXX checking account. I have consistent payments for a total of 6 months from this same account. However, when I try to XXXX, it only shows one payment for the month of XXXX. Experian gives you the option to list all your payments if the system doesn't capture all of them. I have submitted these payments to Experian several times and it was never updated to XXXX. I believe XXXX can fix this issue if they wa n't to.
Consumer complaint received 2019-11-07
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. (MA)

The XXXX  XXXX account opened on XX/XX/2014 on my Experian credit report is being reported inaccurate, there are late payments reported on that account and I was never late on any of those payments. Delete the account for inaccuracy.
Consumer complaint received 2023-01-12
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX