davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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: EQUIFAX, INC. (MI)

This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although XXXX has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the 3 major credit bureaus and it was removed from XXXX  and XXXX but not Equifax. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to XXXX to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing XXXX can do. When I also reached out to XXXX via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked XXXX since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from XXXX. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and XXXX. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against XXXX and the provider, I want this collection removed ... immediately.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: OneMain Finance Corporation (TX)

I had financed my car through a small loan company in XXXX TX. This co was purchased by One Main Financial office in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my Bible etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the One Main ofc numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.
Consumer complaint received 2022-10-06
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. (WA)

I have been trying to correct my name with Equifax for over three years. They refuse to correct my name. It is making it impossible for creditors to pull my credit and I can not get a home now because of this. I am literally homeless and living in my car because Equifax will not correct their systems. I submitted yet another dispute this week on their web portal. Their web portal only asks for " one or more supporting document ( s ). '' I provided the court order. They should need nothing more, but the dispute resolution came back asking for more documents. I called this morning to see if they could correct the existing dispute but they opened another one and now are telling me it will take 30 days to correct the discrepancy. Meanwhile, I still can not get a place to live because of their poor business practices. None of the other credit reporting agencies have given me this kind of trouble and they corrected their records years ago.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A fraudulent account was opened under my name this morning with Bank of America. I have spent 3 hours on the the phone trying to get clarification and get it closed as soon as possible. I keep getting transferred to people who refuse to help and have been hung up on several times.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (MO)

I sent a dispute to Barclays to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

This concerns an Apple Card issued by Goldman Sachs. I paid my account in full 31 days early with a debit from my bank account for {$2900.00} on XX/XX/XXXX. The money flowed out of my account that same day. As of XX/XX/XXXX, my available credit has not updated to reflect that payment. 

The card T & Cs have a nebulous " Credit Availability '' clause that is decidedly consumer unfriendly : " After receiving a payment, we can immediately increase your available credit, or delay increasing the available credit on your Account for a period of time. You can check the status of your available credit by going to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX, online at XXXX XXXXr by contacting us. '' Over XXXX people have complained about the same issue at Apple 's own discussion forums page.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AZ)

Debt Collection Agency : I.C. SYSTEM, INC I NEVER heard of this company before, but I know their kind because I have been living in this nightmare for about 3 years. 

So an XXXX XXXX XXXX XXXXXXXX account was opened and closed promptly in my name but in a different state. Of course, I had no knowledge of it until someone dinged my pristine credit rating over and over again, resulting in a significant decline in my XXXX XXXX. 

To make the long story short, when I called XXXX XXXX XXXX did not even have a record of any account based on my information. But somehow, the original creditor is XXXX XXXX XXXX. Fortunately, my XXXX XXXX was restored after reporting that it was a fraud. I was so wrong! 

You see, these debt collection agencies sell the debt to " other '' collection agencies when they are not able to collect it. And promptly, without any notice, they would ding my credit ( some companies ding me more than 4 times a month ). And that charade continues while the victim ( that is me ) is helpless in doing anything. 

The credit bureau doesn't help ( XXXX ) because they said I need documents, but I don't have any and can't get any from those collection agencies. They just have my information, the amount of debt, and the POWER to ding my credit anytime they choose to do. It's about {$400.00}, and there is no way I would pay even a dime for such evil companies. 

Now, my credit score went down by more than XXXX points within a month because this company dinged me twice, I have to go through all these useless and unsuccessful steps once again to mitigate this situation. And XXXX XXXX wants me to file a fraud report to ftc.gov and send subsequent documents to them before they can " restore '' my credit score. 

Hope no one goes through what I am going through.
Consumer complaint received 2022-10-06
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. (DE)

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX, XXXX, XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XX/XX/1922 I received noticed via email that a new report had been added to my account from LVNV FUNDING LLC. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 15 USC 1681 section 602 A states that I have the right to privacy 15USC 1681 section 504 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states : no consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 USC 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have a few accounts that are still currently updating on my credit file that were included in my XXXX Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (AE)

Wells Fargo closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card, which I did not know when I made the payments. I have always made all of my payments on time and have never had a late payment. Even after Wells Fargo closed the account, I continued to make on time payments and the balance on the account bringing the account within terms of the cardholder agreement. The account is planned to be paid off with a {$0.00} balance by the end of the month. As a XXXX XXXX we sometimes do not get communication that our accounts may be compromised.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Today I tried to request my credit report. Experian said sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the security question correctly, you didn't answer the questions in time, we are having technical difficulties. I called they're not having technical difficulties. I answered the questions in time. I answered the questions all correct. The questions should be specific. For example : is your current car payment between this price amount? Who did you get financing with? But when they bring up a question that is worded wrong or they ask did you work for a company name and if you answer no they don't allow you to have the credit report that seems tricky or being explicitly difficult. Sure the company XXXX XXXX had my initials, but it is not a business I worked for. The questions should have very specific answers that have to do with your identity, current address or something that is concrete. 

One of the questions was not worded properly it asked if I had worked for XXXX XXXX. No I did not. They obviously got this information wrong and assumed I did. I answered it properly. Experian in my opinion violates the law and is intentionally difficult to people trying to get their credit reports. XXXX and XXXX have a process that is easy and without questions. Experian should be dinged by the better business bureau because this is simply unfair to deny a person their credit report based on Experian 's mistakes. 
Experian verified my phone number & email. I verified my social security number. I've sent Experian certified letters to note my account. I spoke to them on the phone prior to requesting the report on XXXX 

They shouldn't put a time limit on the questions and if they do they should set it at more than 5 minutes. It is an unnecessary obstacle that they should not put their customers through
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

The inquiry listed below is a fraudulent inquiry that is being reported on my Equifax credit file Ive contacted equifax three times and received three different removal confirmation numbers which is listed below along with the name and date of the fraudulent inquiry also included is a identity theft report. 

Equifax Inquiry Removal Confirmation Number XXXX, XXXX, XXXX Equifax Fraudulent Inquiry XXXX XX/XX/2022
Consumer complaint received 2023-05-13
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: CITIBANK, N.A. (VA)

Disputed charge : Did not authorize charge, did not recognize charge. Opened a dispute with LL Bean Mastercard. 

LL Bean Mastercard case # XXXX Transaction Date : XX/XX/XXXX, Amount {$50.00} Dispute first entered : XX/XX/XXXX {$50.00} On the statement, this information was shown : Transaction Date XX/XX/XXXX DESCRIPTION XXXX XXXX XXXX XXXX WA Amount {$50.00} Statement Date XX/XX/2023 Reference Number XXXX POSTED Transaction ID XXXX Merchant Category XXXX XX/XX/XXXX, signed the required letter and uploaded it to the LL Bean Mastercard site . LL Bean Mastercard required us to sign the letter, stating that we are disputing the charge and that we had not authorized the charge, and that, if needed, the account would be closed and a new card issued. 

After waiting for information, I realized that the Mastercard activity showed a phone number for the XXXX transaction, so I called the number shown. Also, we only use our LL Bean card for LLBean purchases. We never use it for anything else. We use a different XXXX credit card for all other purchases. Our XXXX account does not have the LLBean credit card. When I called the XXXX number, the person on XXXX looked up the transaction, and said the transaction was for a gift card, and was under the name of a different person, not anyone in my household. I have the chat history for that. 

I submitted that information to Mastercard. At first it seemed they resolved in our favor, but then they reopened it, and said that we put in the charge and that we now had to pay a late fee. So I re-opened a dispute in XXXX. Then they said that I need to submit proof that it was fraudulent, by uploading documents or proof. I have been trying to upload screen shots of my chat with XXXX, but the Mastercard website has an error that does not allow uploading documents. It seems that they are making me run around in circles and making it very difficult to prove that we did not authorize the transaction.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

On XX/XX/XXXX I purchased a Vanilla Gift Card in the amount of {$500.00}. I activated the card and checked to verify the card balance. The balance showed {$5.00}. I immediately called the phone number on the debit card and was told that a company named XXXX XXXX had charged {$490.00} on the card upon activation. I immediately advised the agent that I had not made the charge and she declined the charge. On XX/XX/XXXX my card was charged again by XXXX XXXX for {$490.00} which left {$10.00} balance. I called the company back again and asked the agent to decline the charge. She told me I had to contact the vendor to receive a credit, but she had no contact information. She cancelled the card and said she would submit a request to reissue a new card. She also stated that it could take up to 90 days to resolve the issue. I waited until XX/XX/XXXX for a response and never received any response. I called again and was told they had no record of my initial complaint. They said they would send me a complaint form which I received, completed and returned on XX/XX/XXXX. I immediately received an email stating they had complaint and would receive a response within 90 days. I waited until XX/XX/XXXX for a response and emailed the company asking the status of my complaint. As of today no response had been received. Upon looking up XXXX XXXX only to find out that the company does not exist.
Consumer complaint received 2021-08-25
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. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.