davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a XXXX Consumer I am a victim of Ideninity theft, Mail fraud and No Access to this banking. Creditcard account I have unsuccessfully tried to report a replacement card stolen or never delivered 5 times I am required to enter a text or email code I physically am unable to do to GET VERIFIED and if I am not verified I can not report the stolen/ undelivered card I AM AT GREAT RISK I CAN NOT GET VERIFIED TO GAIN ANY ACCESS I AM TRYING TO PREVENT MORE FRAUD I HAVE NO ZERO LIABILITY PROMISED BY USAA THAT IS EXTENDED TO ABLE BOBY MEMBERS MY CIVIL RIGHTS ARE DENIED AGAINST MY XXXX** XXXX ELDERLY VUNERABLE AMERICANS ARE TARGETED WITH ** NO PROTECTION
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO (NJ)

disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This account is not mine. I want to see my signed orginal contract. I want my identity proven 100 % and for them to send me what they have and not a copy of statements. Plus this account is over 5yrs old. 



They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (FL)

this company did NOT act appropriately as authorized by contract of law. 

this derogatory account/ report appeared on my credit bureau reports with XXXX  and XXXX credit bureaus in XX/XX/2019. I repeatedly requested verification of debt with a signature and was informed I must contact the collection agency as they did not maintain files of each customer. Each time I received a letter that the creditor had " updated '' my file. Before doing this I noticed that the original creditor was XXXX XXXX Hospital, wrongly I assumed it was XXXX  Florida. 

The original creditor was listed as XXXX XXXX Hospital and Lockhart Morris Montgomery account XXXX as the collection agency on these credit bureau reports In Florida the major governing medical billing agency is XXXX, they do in house billing. I called XXXX XXXX Hospital, XXXX, Fl. and they had no record of me owing this amount for the date of XXXX XXXX as listed by the collection agency. I called XXXX. They had no record of this amount for this date of service. 
I wrote a letter to Lockhart, Morris an Montgomery requesting A SIGNED CONTRACT, either between them and the hospital or myself and the hospital. They sent me a statement from XXXX XXXX Hospital, XXXX, GA showing the medicines and services I allegedly received, with a XXXX BALANCE OWED. The amount of {$260.00}. was no where indicated. Are they allowed to have access to medical records/emergency room medicines of any one? 

Additionally, this has severely damaged my credit and any attempts to obtain credit. 

I have tried to resolve this on my own for 6 months. Now, I need your help. 

Are they legal and reputable, or as their Texas XXXX XXXX XXXX  file indicates, ( with 79 complaints ) they are not.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

In XX/XX/2019 home depot/cbna, placed a late payment on my credit report, as it turns out home depot changed my mailing address due to a notice from post office. I was not aware of the change because I was making my payments on line.
Consumer complaint received 2020-01-20
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: United Revenue Corporation (TX)

CRA  is reporting prohibited information. United Revenue Service has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, XXXX  XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. XXXX  XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with XXXX, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing on my credit report.
Consumer complaint received 2020-02-02
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. (NY)

CRA refuses to investigate my previous dispute regarding a derogatory ( Bankruptcy ) public record that they are still reporting, and refuses to re-investigate. 

Experian has never contacted the data furnisher of information regarding my dispute, rather is using a third party vendor known as XXXX XXXX. 

I'm requesting an investigation how the bankruptcy came to be on my credit report, or that the derogatory public record is deleted within 30 days.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

I tried to apply for the loan refinancing with Quicken Loans. During the process I was quoted misleading loan information and untrue APR provider by the lender. When I entered data into the Loan Calculator the difference in cost came out to be {$14.00}, XXXX. 
Loan agent suddenly put me on hold and came back with a totally different ( higher ) APR than I was quoted. When I questioned the cost the agent blamed it on the confusion and bad phone connection. I have not expected dishonest practices from the major Loan Provider like Quicken Loans and was disturbed at that occurrence.
Consumer complaint received 2019-08-20
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I submitted an application online for a checking and savings account on XX/XX/2019. The application was submitted under a new account promotion for {$400.00}. Later on XX/XX/2019 I received an email requesting that I submit documentation to verify my identity. I immediately submitted the documentation electronically. I have written showing confirmation that I completed the necessary task that same day. It then took Citibank nearly a month to process the documentation and open my account. After several phone calls with customer service, it was not until XX/XX/2019 that I received written notice that my account was opened. That is also when I received a debit card so I could fund the account. I immediately activated the debit card on XX/XX/2019 and began to fund the account. A deposit totaling $ XXXX was made on XX/XX/2019 and $ XXXX was made on XX/XX/2019. I subsequently contacted customer service after 90 days about the new account bonus and was informed that I failed to fund my account timely. I spoke with a manager and he looked at the timeline of events and said he would submit a request to the accounts bonus (? ) department to take another look because it took the bank so long to verify my identity. He said he listed out the timeline, showing that I funded the account as soon as I was given access to the account. I just received a letter with boilerplate language saying I failed to timely fund the account and qualify for the promotion. I dont know how anyone could qualify for the offer when it took the bank a month to verify my identity and give me the ability to fund the account. This looks a lot like a bait and switch scam.
Consumer complaint received 2020-01-31
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. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Every day at roughly XXXX I'm called from Portfolio Recovery and every day I tell the callers to take my number off their list and any type of correspondence or solicitation needs to be done with their client and to stop calling my phone. 

I've called and asked for mgmt to take this phone number of their list and they still continue to call since XX/XX/2020 they have called 20 days
Consumer complaint received 2020-01-19
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: HW Holding, Inc (TN)

I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company. 

XXXX XXXX XXXX XXXX XX/XX/2019 {$530.00}
Consumer complaint received 2020-01-31
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: DISCOVER BANK (NV)

I AM VICTIM OF AN IDENTITY THEFT, THE DISCOVER CREDIT CARD ON MY CREDIT REPORT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THIS ACCOUNT IS NOW CLOSED WITH XXXX BALANCE. I HAVE NO IDEA WHO HAS PAID. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. I HAVE NOT AUTHORIZED ANYTHING ON THIS ACCOUNT.
Consumer complaint received 2020-01-18
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. (TN)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

This is related to Experian Account Freeze.1. I do not know who and when someone put the account freeze on my SSN.2. I called them the whole day (10+ times) but only got automated system.3. then tried to get to website to unfreeze my account. No help, but at the end asked if  I can send many documents physically to their postal address (which will take many days to get my credit unfreeze)4. I called them again as i needed my credit freeze lifted today itself,  but again automated phone message they told me I can get the unfreeze online today itself and i need to goto website (circling )5. Issue is I can not talk to anyone in experian. I did not place the freeze, someone is playing with my credit and experian is taking too long to respond. there is no email contact and no phone where you can talk to any human person.Result: my niece was supposed to move to apartment and rental office was conducting a credit check. She could not get the rental and had to spent night in hotel.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (CA)

Hi,The person from XXXX came to fix the hard drive to us on XX/XX/2019. From the next day of his visit, my XXXX account was hacked by someone. Someone hacked our XXXX account and our identity and then started to use our accounts and made a XXXX XXXX, opened new checking and savings account. We filled a case with XXXX, Police station and added our account to https://www.identitytheft.gov/, Credit report and so on. We took all necessary actions and still, he's using accessing our credentials, I want to catch the person. But I don't know how to do. We have some information about him, I don't know how to track him. Please do the needful. XXXX XXXX Taken in my XXXX XXXX XXXX. Transferred to a savings account and transferred to his XXXX, then created he created new bank account on XXXX XXXX in my name and used this account for making a transaction. Also tried to open a account on XXXX with XXXX XXXX, it got rejected because id mismatch, he has used our old state id. later he changed our mailing address in USPS as per our old ID to use for further transactions, after changing the ID with a previous address he opened one new account with XXXX XXXX.We registered Identity Theft with XXXX on XX/XX/XXXX.But the recent transaction happened on after XX/XX/XXXX with XXXX XXXX
Consumer complaint received 2019-08-20
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: Equidata, Inc. (IL)

I contacted XXXX because I was turned down for an apartment because my credit report had conflicting information concerning my age on XX/XX/XXXX. I requested that my age be updated. I was born in XXXX  however my age is listed on the report as XXXX  yrs old. I received a decision in the mail on XX/XX/2019 stating that the investigation was updated to show my year of birth as XXXX and my age was XXXX. Called on XX/XX/2019, explained the situation, the representative apologized and stated that my age will no longer show on my report only my date of birth of XXXX.Received another letter stating that investigation was complete and my age is XXXX years old onXX/XX/2019Called again the explain the situation, this tie asked to speak to a supervisor and was told that ‘‘tis issue would be updated. Today is XXXX XXXX and I am not confident that this issue has been resolved, mean while the apartment complex is waiting for the updated information as they could not identify me based on conflicting ages/ year Born on my credit report and the apartment complex stated that they never seen anything like this before and that that was the only thing stopping me from getting the apartment.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

I received a collection attempt from HCI collections dated XX/XX/2019 for goods or services that I never requested. I mailed HCI a letter via certified mail saying per fair debt collection act they have to prove that the bill is mine. They sent me a copy of "itemized bill" with someone else's name on it and consider that to be proof, and they are notifying the credit bureaus to affect my credit score. They have absolutely no proof that I requested these goods or services. They have to prove it, I don't have to prove that I didn't. P.S. I worked that day, all day. The company responded with the below information but I don't have a XXXX XXXX policy. XXXX is also attempting to collect this from my wife. It's not identity theft, they are clearly trying to collect the wrong thing if they don't even have the right insurance or responsible party. Please do something about this instead of saying "well they say he owes it so he owes it".Company's ResponseMr. XXXX, The account in question, per XXXX XXXX   records, is for your son XXXX XXXX. The insurance used was your XXXX XXXX policy. He arrived at XXXX XXXX on XX/XX/2019 and was discharged at XXXX XXXX on XX/XX/2019. It appears that your wife XXXX   XXXX  was the person who brought your son to XXXX XXXX. XXXX even reached out to XXXX XXXX on XX/XX/2019 asking that an itemization of the charges and explanation of benefits from the insurance be mailed to your residence. These two documents were mailed out on XX/XX/2019. We have requested the condition of admission from XXXX XXXX and will mail you a copy once it is received in our office. If neither is your wife or son, then we ask that you fill out the attached ID Theft Packet and return it to our office. Thank you XXXX XXXX
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America credit card from XX/XX/2017, recently I received a letter from Bank of America stating that they closed my account. The reason for closing my account was that they received information from XXXX. I have a membership with XXXX  that I check my credit record with regularly. The time that they closed my account I did not have any suspicious activity going on with my XXXX account. I contacted Bank of America multiple times to find out why they closed the account, the only thing they said is that the letter we sent you should already explain the reason. I tried to get information from them on how to reopen my account. I contacted them 3 different times and spoke with 3 different people and got 3 different answers. Once they said I am welcome to reapply to reopen my account, they said I would get a soft inquiry which won’t hurt my credit and then when I agreed they wanted to transfer me to a different department that could help me further. When I spoke with that department the representative was very rude and gave me a totally different approach on the issue. He said when reopening my account I will get hard inquire. My main concern is why has my account been closed, and they could not give me a decent answer. Then I called them back a couple of days later and each time they gave me different information and answers. By this point I’m complaining to see if the problem is on my side. By law they have a give me a reasonable explanation on why they closed my account. I can submit my XXXX credit report so you guys can see that everything is normal. By law in the credit card agreement it does not state that the bank can just close your card anytime they like.
Consumer complaint received 2019-08-19
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. (GA)

The co-owner of an auto loan with XXXX XXXX XXXX XXXX XXXX filed Chapter XXXX bankruptcy which was granted XX/XX/XXXX. I, the party that did NOT file bankruptcy, continued making payments for several years with no default whatsoever before, during, or after the bankruptcy of the other party. No negative information transpired to my credit report throughout the life of the loan until I paid off the vehicle. I made my regular payment in XX/XX/XXXX, and on XX/XX/XXXX called and paid off the remaining balance. I then get a notification that my FICO score dropped from XXXX  to XXXX which is how I found out that XXXX incorrectly charged the account off and report as XX/XX/XXXX being a serious delinquent payment. I have tried numerous times calling and they have advised that the account is protected under bankruptcy law and this is the way it is. They have dragged me down as if I was the one that filed bankruptcy and as if they never received payment for any of the months. They never sent me any statements or mail regarding the account. I could not see my transaction history online and had to call and request it. With that being said, they sent me one transaction history which was then revised after the dispute and I was sent a second "CORRECTED" transaction history of the loan.