davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BBVA FINANCIAL CORPORATION (MS)

I got a new care in XX/XX/XXXX through BBVA compass bank. I had a car not of {$580.00} a month which I paid every month on time. I was a car accident in XX/XX/XXXX where my vehicle was totaled out by the insurance company. They paid me the total value of the car which was XXXX least than what I owed on the car. I understood that the car depreciates when it leaves off the car lot. So I was told by BBVA, which did not provide me with GAP INSURANCE, that I can just apply for another car loan thru them at the dealership, because they don't have any branches in Ms . They told me I can just put the equity onto a new loan. They also told me that until I get a new car I can pay anything on my loan, I was told I didn't have to pay the whole balance because It was no way to pay two car notes at one time. So when my car note was due I paid over half of it and they still was trying to say I was late, which I didn't understand. So when I told them someone told me I can pay less the fee, they said I had to pay what was on the contract, and they don't know why someone told you that. So then I tried to go to the car lot to get a new car and they denied me, so I didn't understand why they act as if I would get approved and then they denied me. When I called they said they don't know why I was denied and I would get a letter to explain, which I never received. All they kept saying is they don't know why because my account was always in good standing. The next thing I tried was to get a settlement, which they denied. Because at this point no one will let me get a car loan because, BBVA bank hadn't took the total balance off my credit, so it looks like I cant afford a car, because I still have a big balance with them. Then every time I call I sit on hold for 30 minutes then the operator say try your call again. It jus bad business, I just XXXX XXXX XXXX to get out the XXXX after a 4 month stay due to XXXX, and its really stressful, to not have a car, when I work and have dr. appointments. Its so tough and they have a careless attitude about what you going through and about what the last CSR, told you was incorrect. Then if you cant get them online you have to option to write them online, in which the response be some totally different then what the person say on the phone. This is the worst loan place I have ever done business with, and I just don't want no one else to get treated, like I'm not a person, but just a number.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by Transunion that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as TransUnion and XXXX. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and bXXXX XXXX XXXXXXXX XXXX. My XXXX score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. XXXX XXXX XXXX
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

On XX/XX/2020 I contacted Credit Control Corp in order to dispute several medical bills that were just placed on my credit reports without notifying me by mail of the debts and allowing me to dispute them. This killed my good credit rating. I asked for a debt validation letter and asked could they please provide contracts with my signature making me obligated, which they could not provide. I've had health insurance at the time the services were rendered, and I provided them with the proof of my health Insurance cards. They still did not remove the erroneous account. I sent them a second letter on XX/XX/2020 demanding that they comply with the law and remove this account that they could not verify. The company still continued to send me medical bills stating I owed the debt. On XX/XX/2020, I contacted the company for the 3rd time to hopefully resolve this issue and they will not comply with the law. I do not owe this debt and I continue to get harassed by them.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I have been paying Experian {$27.00} per month for credit monitoring. This service includes being able to see reports from all three credit bureaus. Since XX/XX/2021 there has been an error on my account and my reports from Transunion and Equifax will not show or update on my Experian credit monitoring service. I expressed the issue to Experian customer service multiple times and they had no resolution and have not refunded my account. The only thing they did was cancel my credit monitoring services so I am not charged again, and tell me to figure it out on my own because they have no explanation.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ridge & Valley Realty, Inc. (CO)

I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I applied for a loan with XXXX XXXX XXXX to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.
Consumer complaint received 2022-03-21
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: General Motors Financial Company, Inc. (SC)

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any inquiries and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Consumer complaint received 2021-05-02
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. (MD)

Both my wife and I are on the Equifax " MyEquifax '' accounts. I was bumped off of the paid " Equifax '' account and when asked about it was told that the " Equifax '' accounts are no longer available to the public, they are now being used by businesses. But when going to Equifax.com we can see that there is still consumer access to the regular " Equifax '' account. And we also see that there is a " Family Equifax '' account that's fee based. We've been restricted from choosen the Regular and family Equifax accounts. And also find it very strange when talking to an Equifax agent where the story is usually very different from one to the other. But for sure this has been a problem for months now, much like us being able to go to " XXXX '' and download a credit report. It has been well over a year that I have not been able to download a free credit report that The FTC said should not be the case. 

Also, on our MyEquifax account, the Report reads as such : AS OF : XX/XX/2021 but the reported data is dated as : XX/XX/2021 - which means we only have access to outdated material. Or the account is not being updated to reflect what is being shown in our present reporting ... which has been something that we've not been privileged to for the longest. I'm told to open a separate report on not being able to download a free report from XXXX XXXX XXXX
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my card was accessed at XXXX XXXX atm to check the balance and {$1000.00} was withdrawn. I immediately contacted the bank and they opened an investigation and reported such to EDD later that month I received a letter that they deemed the transaction fraud but never gave me my {$1000.00} back stating that it was because the EDD closed my account thus closing out the investigation. I called numerous times to follow up which they had to submit a request to backoffice to open the claim. In XXXX, they rescinded their stance and made me liable for a fraudulently transaction although the city the crime occurred and I live are about a hour and minutes apart. They did not pull video footage from the neither atm that checked the balance at or withdrew the funds.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

On XXXX my insurance company sent me to XXXX to pick up a rental car due to an accident I had. We had the car for almost 3 weeks and returned to XXXX. On XX/XX/2021. I saw a charge from this company for {$37.00} I never received an invoice and the insurance company told me they will be paid for the rental car we didn't know why we had this charge so I told my bank to dispute this charge. On XX/XX/2021, I received a phone call from the bank letting me know what I was charging for, and when they told me they were tolls payments I approved the transaction, which was paid right away. later in XXXX, I received a collection letter from Transworld Systems Inc, letting me know I owe them {$44.00}. I have been calling, and sending letters with the payment proof like the bank statements and the bank letter more than twice times and they continue saying that I have to pay for the service and the late fees. I never received a written response to my letters and I have been dealing with them for more than 8 months and I don't see they solving this situation. Now in the last call I did their response by phone was I'm in the red list. I don't know what else I can give them to proof of payment and when I asked I didn't receive a response
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof The following account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX Balance Owed : {$4100.00}
Consumer complaint received 2022-04-26
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. (AL)

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Consumer complaint received 2021-10-11
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. (FL)

I sent many disputes to TransUnion many attempts to get them to Validate old closed accounts on my credit report they failed to do so. Also I requested copies of original contracts between me and then accounts on my report they failed to do its been going on 2 years and they still have not sent me any proof of validation of any closed account debt on my account
Consumer complaint received 2021-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (WI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC (GA)

On XX/XX/2022, I initiated a loan application after receiving a call from a BHG XXXX XXXX. In the process of completing the application I mistakenly uploaded an incorrect document in place of my paycheck stub. I then proceeded to upload the correct paycheck stub and then contacted the finance director on his direct line to ask him to remove the document that was incorrectly uploaded. He stated that he was unable to delete/remove the document but that the Loan Processor would be able too. I emailed the loan processor ( see attached ) who in turn stated that the document had been deleted. After a brief while, I checked and the document was still on the portal. I proceeded to leave the Loan Processor a voicemail at that point to advise him that the document had not been removed. When I didn't hear back from the loan processor, I again contacted the Finance Manager on his direct line asking him to withdraw my application completely. Once he withdrew the application with me on the line. The two documents that I uploaded remained on the portal. On XX/XX/2022, I send an email to XXXX customer service @ XXXX and received a reply from a XXXX XXXX XXXX, XXXX XXXX, stating " I am reaching out after receiving your online web inquiry regarding the information submitted with your recent application. Unfortunately due to compliance regulations and guidelines we are not able to delete this information. We have to keep any submitted information on file for 5 years. I want to ensure that we do not do anything with this information, other than store it for policy purposes. Please let me know if you have any additional questions. '' - I proceeded to contact XXXX via the telephone number she provided in her email and additionally responded to her email to advise her that her compliance policies should not apply to me as I am not a customer, never have been, nor do I have an active account with BHG. During my telephone conversation with the rep she stated again that per their policy they are required to retain my data for a minimum of five years from the date of submission. I then requested a copy of said " policy '' in which I was advised by XXXX XXXX that she isn't sure if they have something that they could provide me but that she will check with her manager and let me know. XXXX XXXX called me back and advised me that she spoke with her supervisor XXXX XXXX, who confirmed that BHG would have to retain my information for a minimum of five years from the date of submission but that she does not have a policy in which she can provide me that states such. XXXX XXXX then referenced that per the US Patriots Act, they should retain my data for a minimum of five years should I need further clarification.
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (NJ)

I was contacted via text message regarding a debt that was owed. I went to download the file linked in the text message and was unable to put in the password to open the document. 

I know for a fact that I do not owe any debts that would be in collections. I have since deleted the file off of my phone.
Consumer complaint received 2021-01-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX but you failed to provide any competent evidence of the alleged debt. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history XXXX XXXX XXXX {$0.00} Closed Unknown payment history no payment history fcra can't just report the bad must report the good also all 3 paid in full
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

This complaint concerns the recent arrival in the mail of a new American Express credit card to replace my current one that is expiring next month. I received a new card in the mail but, without providing disclosure, Amex upped my card to its Platinum level. I read the enclosed literature but there was nothing that said my card level had been increased or that the yearly fee was now much larger than my previous card. I went ahead and activated the card but then got on the Amex website and, after a lot of effort, found that the yearly fee for the new card was {$500.00}, whereas I believe my previous card was around {$150.00}. So what has occurred is, I believe, an improper upsell-type operation. Amex increased the level and yearly fee without disclosure of any type. Had I not done the research I would not have known until they charged me that amount. 
I am only seeking an investigation into the Amex upsell practice as described here. I would think this happens to a lot of its customers. To be clear, at this point I have suffered no known monetary loss and am not seeking any refunds. Indeed, I was quickly able to downgrade to a no-fee card. I just believe the practice Amex engaged in was improper, unethical, and anti-consumer because it was not disclosed up front.
Consumer complaint received 2022-09-16
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-27
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.