davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc. (AK)

An Alaskan physician egregiously billed for labs to my insurance company that were well above industry standards. This occurred in XXXX, XXXX at which time I sent a letter requesting additional information to the physician. I never received a response, and in XXXX, XXXX found the charges in collections. My insurance company paid above usual and customary. For example, the physician charged {$130.00} for a XXXX XXXX Panel. This test cost under {$20.00} in the industry. I am being billed for charges that greatly exceed industry standards. 

I 've written several times to the physician and collection firm disputing the debt and asking for them to substantiate their charges. I 've asked where do they get their charge data to what do they accept as payment in full from all payors because that is the true value of their services. For example, if they accept {$15.00} for the XXXX XXXX from XXXX XXXX, they are charging up at an enormous rate for out of network patients. The collection company and physician refuse to offer any of this information and have never responded to any of the specifics of my dispute. All they have sent is an itemized statement showing their over-billed lab charges, a copy of the form I signed regarding paying the remaining charges, and refuse to recognize and place my account in dispute. Although I did sign the form, I had no idea what the physician would have charged for services nor what would be considered reasonable for the services. The rates for XXXX are under 20 % of what they 're charging for an example. 

The collection firm has spoken to me as if I am a child in that they 've " gone above and beyond to get this resolved. '' That is false. They have provided nothing beyond an itemized statement. I will pay extra for the labs that my insurance company did n't cover but the charges must be reasonable. The charges are unregulated and excessive and they will not even consider negotiating. My professional experience has been in health insurance and health care clinics. In my role, we worked with patients/consumers to collect outstanding debts, sent monthly statements, and treated our consumers with respect and dignity. Cornerstone has done none of it, nor has XXXX XXXX office. 

I am asking for your help in resolving this and having my account recognized by the collection firm as being in dispute.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XXXX XXXX 2017, I applied for the citibusiness aadvantage credit card based on an advertisement from citibank that I would receive XXXX XXXX XXXX miles once I spent {$3000.00} on the card within 90 days. I was approved for the card but upon calling to activate the card I was informed that I did not qualify for the promotion because I had the same card product within the last two years. This is not true ( I have not had the card in the last 2 years ) and this fact was confirmed by the representative on the line who looked at my card history with Citibank. I was told that a request would be submitted to the promotions department but since then, after five separate calls ( speaking with, among others, XXXX, XXXX, and XXXX ( XXXX ) Citi has not been able to provide me with any evidence that I have ever had a card with Citi in the last two years that would disqualify me from this promotion. I believe that Citibank should honor this promotion and extend the qualification period so that I have the full 90 days to spend the required {$3000.00} on the card.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC (CA)

THIS LOAN HAS ALREADY BEEN PAID OFF ( SEE ATTACHED DOCUMENTS ). PLUS I WAS CHARGED INTEREST AND " FEES '' ( WHATEVER THAT MEANS ) LONG AFTER THE DEBT WAS PAID!! THE DEBT WAS PAID TO THE US TREASURY DEPT, BUT WAS NEVER REPORTED TO THE DEPT OF EDUCATION!! TO THIS VERY DAY XXXX XXXX, 2017, THE DEPT. OF EDUCATION DOES NOT HAVE A RECORD OF THESE PAYMENTS!! AS A MATTER OF FACT, NONE OF THE COLLECTION AGENCIES WHO HAVE EVER HANDLED MY CASE, NEVER HAD A RECORD OF MY PAYMENTS TO THE US TREASURY DEPT!! THIS IS AFTER REPEATED NOTICES TO THESE AGENCIES THAT I HAD PAID THIS DEBT OFF!! THEY REFUSED TO, FOR WHATEVER REASON, TO IGNORE THIS FACT!! EVEN THE DEPT OF EDUCATION, AGAIN FOR WHATEVER REASON REFUSED TO ACT ON MY REPEATED NOTICES THAT I HAD PAID THIS DEBT THROUGH THE US DEPT OF EDUCATION!! THE SUPPORTING DOCUMENTS FROM THE US TREASURY DEPT. PROVES THAT!!
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I use www.coinbase.com currently and they have allowed me to add my bank account XXXX account and have verified all my personal info license etc. They allowed me to invest around 5-6k in their service. After gaining some through investments 5-6k turned into around 8k I Was able to withdraw around 4k of that. Now they are literally holding my account XXXX. I have reached out to them via XXXX, XXXX, their official support tickets, and their phone numbers. They have never even began to fix a resolution. When they reply if they do it is meaningless and then they go dark again. All in all they are literally holding my money XXXX and have locked my account disallowing me to readd financial credentials or to do anything with my money whether it be sell or send. I just want my money back that 's all it is so stressful as that is a lot of money for me. This has been going on for about a month and the email associated with coinbase is XXXX. Please help me as I really need this money back.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Progressive MGMT SYSTEM has failed to validate a debt they 're claiming i owe for medical services rendered in XX/XX/XXXX. I sent out a letter requesting they do so in XX/XX/XXXX and then again in XX/XX/XXXX. I 've not received any debt validation from them, and just today they have flagged my credit report and added multiple derogatory collections, which has caused my score to drop again. My report is showing the debt being reported on XX/XX/XXXX for XXXX and then again XX/XX/XXXX for the amount of XXXX from services rendered at XXXX XXXX XXXX XXXX XXXX. I 've had medical since XX/XX/XXXX,
Consumer complaint received 2017-07-28
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. (CA)

XXXX XXXX XXXX XXXX is STILL reporting my XXXX account as having been late in XX/XX/XXXX 2017. I 've disputed this with the three major credit bureaus, but it keeps coming back as " verified '' even though I downloaded my payment history directly from XXXX 's website and attached it to each dispute. I will attach it again with this complaint.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX. I submitted a dispute on XX/XX/year>. Experian refuse to remove all the inaccurate name and address. 

XXXX. Remove XXXX XXXX XXXX inquiry
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, XXXX at approximately XXXX I went to the Bank Of America Drive Up Teller located at XXXX XXXX XXXX, XXXX XXXX NC XXXX. I went to cash my payroll check as I normally do. I was told by the XXXX XXXX that there was a {$1000.00} limit at the drive up teller. I have cashed my check multiple times at this drive up location and have never been told before about this limit. I then told him no worries I would use the ATM for Teller Assist. I went and waited in line for the ATM then proceeded to use Teller Assist to cash my check. I was greeted by XXXX from Teller Assist on XXXX XXXX at XXXX who proceeded to cash my check. She had me verify the information and asked me if I would like a receipt with check image which I did. She placed me on hold and came back after several minutes and told me that she could not verify my check and I would need to go into the financial center. At this point I was very frustrated and asked for her supervisor, she then simply hung up the session without letting me talk with a supervisor. I went into the branch and expressed my frustration with the teller and asked for XXXX the branch XXXX to give me a call which he never did. I called into customer service to express my concerns and asked for a follow up. No one ever contacted me. I called back on XXXX XXXX and spoke with an agent and supervisor who again forwarded my complaints to different places but informed me they could not promise a followup. My check is a payroll check from XXXX XXXX XXXX, XXXX. my employer which is a check that is drawn on Bank of America at that very location I went to. I have issues cashing my check here with delays nearly every XXXX and XXXX of the month that I go here to cash my check. There are no issues with the business account as I am the book keeper for the business so there are no excuses why I have to keep experiencing the types of delays I am. If Bank of America wants to continue to cause me delays twice a month then they need to schedule a meal to be served to me because my time is valuable and I 'd rather not be spending my short lunch break trying to deal with the tellers and having to wait unnecessarily. Since this is a Bank of America check and I 'm an account holder it is pretty egregious to have me jumping through all these hoops to cash a check twice a month. I 've attempted to resolve these issues with Bank of America to no avail.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Company will not provide or respond to validation of debt. The SCRA states that a landlord may not evict a current servicemember from premises that serve as, or are intended to serve as, a servicemembers primary residence during a period of military service, without a court order, assuming that the monthly rent for those premises does not exceed a certain amount. See 50 U.S.C. 3951.
Consumer complaint received 2017-07-28
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. (CA)

I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed. See my disputes below : XXXX XXXX balance : XXXX and XXXX $ XXXX/Equifax {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX XXXX has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years! XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
Consumer complaint received 2017-08-18
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. (OR)

TransUnion will not fix a problem on my credit report even though the creditor has already updated and reported to them that this was an error. I thought this information was corrected but it is still showing up on my credit report as 120 days delinquent. This needs to be corrected immediately. I have been working to resolve this for several months and according to the FCRA the credit reporting agencies have 30 days to fix the problem or delete the information if it is not able to be corrected. There were two separate accounts under the same account number both needed to be addressed but TransUnion only addressed one. Original account balance {$6000.00}. Per the letter attached from XXXX the delinquency was an error on their part. This should have been easy to determine as I have been having this " investigated '' for several months. Each time the response is that it was " verified ''. Obviously it was not verified. See attached documents!
Consumer complaint received 2017-07-28
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. (AL)

All of these Accounts were open up in XXXX XXXX Nevada. And I live in Alabama. I mailed a fraud affidavit. Police report 3 days ago in reference to these accounts. I mailed 16 years of Alabama state Id. Every last one of these accounts are affiliated with XXXX XXXX Nevada. They were all open. In Nevada and have a attached Nevada address. Please see police report and remove from credit file. 1.XXXX XXXX- -'- Fraud auto loan open up in XXXX XXXX Nevada 2.XXXX XXXX- Fraud apartment XXXX XXXX Nevada 3.XXXX XXXX Fraud merchandise was mailed to XXXX XXXX address 4.XXXX XXXX - Fraud XXXX XXXX Nevada address 5 . XXXX XXXX- Fraud XXXX XXXX Nevada address 6. XXXX XXXX -- -- Fraud cable company in XXXX XXXX Nevada 7 Chapter XXXX -- -- -- Fraud was filed online Pro see XXXX XXXX Nevada 8. -22- unaurhirized inquiries Fraud paperwork will show all fraud inquiries on my credit report. With Fraud affidavit and police report please remove ALL from credit file.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

I have a joint checking account with someone else at Santander Bank. The other person on the account deposited what looked to be a " cashiers check '' for XXXX from XXXX XXXX. Once the check cleared my friend was instructed to wire money from XXXX to XXXX XXXX and keep the rest for secret shopping on XXXX. Within in a few days of the deposit and withdrawal the bank deemed the cashiers check fraudulent and the account is now negative. We have been told by the Fraud department that we are responsible to pay this back and are currently in collections with the bank. I spoke with their collections area and we have 55 days to get this paid back or the account will be closed and notice will go to XXXX XXXX and then to a 3rd party collection agency. By depositing this bogus check has not only created a very big minus balance but has credit reporting ramifications and not being able to open any new accounts if not paid off.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (GA)

Hey my name is XXXX XXXX and I had items that report to my credit report that does n't belong to me. I have submitted documentation to each party that is involve : credit bureaus, creditor and collection agency. Still no one has resolve this issue. The account t listed below DO NOT BELONG TO ME!!! Account Name : Stellar Recovery Account # : XXXX Amount : {$440.00} Please remove this account immediately and send an updated report. If not I 'm will to submit another complaint if needed to resolve this issue.
Consumer complaint received 2017-01-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I do not know who these people are trying to collect a debt, if I owed this money they would have sued in a court of law in which they have not done..i do n't owe these people money and I dispute those charges they say I owe.take this off my report.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, as I am a victim of identity theft resulting from a data breach. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information resulting from fraudulent transactions. The accounts and inquiries below are not authorized by me, and I have no knowledge of them : Fraudulent Accounts : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$200.00} XXXX. XXXX XXXX  - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$220.00} Fraudulent Inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!