davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Attached is a collection account I would like to be removed ASAP because this was an account created from identity fraud. I have my identity fraud report attached. I also have documents proving my identification. I will be mailing this to Equifax and the collector.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (PA)

@ XXXX I opened a XXXX Credit Card - I really never used the card for its intent. 
- The card was placed in a strong box and forgotten about. 
- In XXXX I applied for a car loan and I was informed that I had great credit and the only outstanding debt was @ {$18000.00} on this Credit Card, I then knew we had a problem as we have never used that credit card nor do we ever carry balances on credit cards. 
- I contacted XXXX  and spoke with the fraud department who stated that they agree it was fraud and that they would take care of this as I never made any of those purchases.. 
- It was then that I discovered that this card was tied to an fraudulent address that I have never lived and that the payments were being made since XXXX - I also contacted all 3 Credit Agencies ( XXXX, XXXX, Experian ) to file a dispute.

- To date XXXX  & XXXXXXXX  have removed this from my report as XXXX has written off the amount and closed the account. Transunion is still showing the fraudulent address. 
- To date XXXX  still shows this amount, still shows the fraudulent address and is showing the wrong date of birth. 
- I have been working to resolve this situation since XX/XX/XXXX and now need your help in resolution as all my correspondence in XXXX has not produced a resolution.
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (NJ)

I disputed various incorrect collection accounts on my Equifax report on XX/XX/XXXX via United States Postal Service Certified mail with tracking. My dispute confirmation number is # XXXX. As per my USPS certified mail tracking receipt ( attached ) Equifax received my correspondence on XX/XX/XXXX. Their investigation was completed on XX/XX/XXXX, which is more than the 30 days allotted per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30- day time period, you must delete all of the disputed accounts from the report.
Consumer complaint received 2021-03-03
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. (TX)

I recently filed a complaint with CFPB about my name being incorrect and false accounts on my credit report. My complaint was labeled resolved but I noticed a few issues still unresolved. The 3 bureaus asked me to mail out a copy of my id and lease agreement in a attempt to pertrey a resolution attempt. My issues is I have mailed the request 3 times. It's also a XXXX charge off on my account for a car that was never in my position it was in my ex-girlfriend 's name XXXX XXXX. XXXX placed this vehicle on my account after resaling it and without giving me a change to take over the vehicle. The XXXX was never in my possession or never was I given a chance to take ownership but it's reported on my credit as if I had it. The car was quickly resold without letting me know and as I stated before I never had ownership. After my first complaint XXXX  still continue to have a incorrect name on my credit report.
Consumer complaint received 2021-03-03
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: AMERICAN EXPRESS COMPANY (MI)

An American Express account was opened and placed on my credit report. Upon noticing it months later I contacted American Express for verification of the account. I have 2 other American Express accounts and was not sure if they opened it or if I did. I formally requested verification and disputed the account and transactions. American Express reversed the charges and stated it was fraudulent. They closed the account and everything seemed fine. 45 days later the account was reopened and the charges came back. Again, I contacted American Express for better understanding. They did not again verify the account was mine and continued to report it on my credit report. Soon after it turned 30, then 60. now 90 days later which is damaging my credit score. I then requested verification and disputed the charges again. They closed out my other 2 American Express accounts and provide little to no information. They are willfully damaging my credit and closed out accounts. Currently they have not validated this account and refuse to do so. This is a willful neglect and requires more assistance. My rights are being violated and the stress and financial damage they are causing has become unbearable.
Consumer complaint received 2021-03-03
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. (CA)

I was born in XXXX and in XXXX when i was XX/XX/XXXX years old i lived with my mother and siblings in XXXX XXXX NOT on XXXX XXXX yet i have a eviction on my credit report i would like it removed as well as the following names that i have never been known as such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of those names have ever been used by myself i also have no relation to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, please remove all this information from my report it is false information and dont want to have things i never did or used effecting me and my life its had a negative impact and i couldnt figure out why til now. Thank you have a blessed day
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Levinbook Law Firm, P.C. (NY)

The medical company submitted incorrect insurance information and is trying to collect the balance which they claim is owed. The insurance should have covered the bill. I have 2 insurance providers. Additionally this was a yearly physical which is provided free of charge.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (MI)

I had auto lease car with GM financial. I set up auto pay at the beginning of the lease and payments were automatically withdrawn from my account for 23 months. The last payment should have been withdrawn in XX/XX/XXXX. I assumed that like the previous payments they would withdraw it automatically. I usually check to make sure it was withdrawn. However, being a pharmacy manager at a community pharmacy, I was busy preparing to receive and administer the covid vaccine at my pharmacy that started on XX/XX/XXXX, I didnt check this time. On Sunday XX/XX/XXXX, I get an alert about a negative activity on my credit report, when I looked into it, it was a 30 day late payment on my leased car. I paid it up on discover and called GM financial asking why the last payment was not automatically withdrawn, I got 3 different answers : one was that I stopped auto payment in December and they received a confirmation. I told the representative that this was fraud because they can check that I havent opened the account since I set the auto pay 2 years ago. Then the second representative said that you scheduled the auto pay to end on XXXX not January 2 years ago! Then when I asked to spear to a manager, the manager stated that I had to pay the final payment manually! And that since they received the payment late, that cant do nothing about it. I asked to speak to a higher manager and was told he is busy and I can leave a voice mail and he will get back to me. Its been over 10 days now and he hasnt called. When I asked the representatives why I didnt get any alerts of the late payment or reminders, they claimed they called but I didnt receive any calls. I do receive e-mails form GM financial about services and rewards, but no e-mails about late payment or auto payment stopping. Ive had leased cars before and never had such a problem before. I disputed the late payment on my credit report but bank still wont remove it. Never had a late payment. I tried everything I could to remove it, but bank is not cooperating and representatives are were not nice about it. Tried to find excuses for the deceptive procedure they have.
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (TX)

Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (PA)

Our XXXX  XXXX used the square online site to do card purchases. We received an email stating we are shutting down your square account with specific reaso. It is all over the web that square does this and all complaints are same. I've tried for days to contact square with no luck. You can't speak to anyone over the phone. Emails do not get responded to.
Consumer complaint received 2021-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (CA)

i have 2 accounts with lending club and 1 of the accounts i went on default because of covid i informed them of my situation but received no additional help i tried to have them refinance but they refused. On my second loan i have been paying on time every month because is with a co signer and he is the one paying it i have spoken to lending club about my situation and representatives say their is nothing they can do not im getting about 10 calls a day all day long and everyday for the last 2 weeks i feel harassed by them and they dont stop
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (IL)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

I have had the previous report ( XXXX ) with CFPB on XX/XX/2020 from a debt collector agency named XXXX, they claimed that I owe XXXX $ XXXX dollars which is not true. I have multiple phone recordings while speaking with XXXX and they have confirmed is their mistake. since the report XXXX has ceased collection with their office. I now started to received another Debt collector agency name Diversified adjustment service sending me letter saying that I still owe XXXX {$400.00}. like i stated on my first report my XXXX service was canceled under 30 days customer stratification warranty! I am very tired getting harassed by one debt collector after another, I will be filing my case with court after this report being done, these fraudulent action should not be tolerated in the US.
Consumer complaint received 2021-03-03
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. (AL)

Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Durham & Durham, LLP (GA)

A company called Durham and Durham sent me a letter a couple of months ago about a bill that I was unaware of. I sent a letter to them requesting validation of the debt in XXXX through certified mail that the company received on XX/XX/2021. I did not receive validation of this debt. However, the company sent me a typed out letter filled with typos and also that included a HIPPA violation with a procedure code and diagnosis code. I am not sure how they received this information, but this is definitely a HIPPA violation of my privacy rights. I have attached the document to this complaint.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I provided copies of cancelled checks to Trans Union as proofs that XXXX XXXX XXXX had received on-time payments for XXXX and XX/XX/XXXX and requested Trans Union remove false statements initially reported as missed, and 30 days late for XX/XX/XXXX. I also requested that all reports of missed and late payments filed with the bureau by XXXX XXXX XXXX after the sale of the property in XX/XX/XXXX, and closure of the account in XX/XX/XXXX be removed and the credit report and score corrected. 
Between XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX filed several missed and late payments. On XXXX XX/XX/XXXX Trans Union decreased the credit score " 77 '' points. On XXXX XX/XX/XXXX the bank removed the missed payments and added new late payments and Trans Union increased the credit score by " 1 '' point. 
On XXXX XX/XX/XXXX XXXX  XXXX XXXX reported additional missed payments and Trans Union continues to accept false statements despite the fact the bank reported the account closed to the bureau on XXXX XX/XX/XXXX. To date, neither the bank or the credit bureau has made a conscious effort to correct the credit report.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I sent two debt validation letters to United Revenue corporation requesting the pertinent information to validate that the debt is mine for 6 different accounts that is with their office. Both times they failed to validate the debt and NO HIPPA authorization form was provided in either of their poorly written letters back to me. This business violated my health information privacy rights and committed another violation of my privacy by not providing me this information and having my actual health records on file. I am aware HIPPA allows limited information however, this company has direct medical information from the medical providers. They have failed to provide any type of two additional accounts on my credit one for the amount of {$950.00} and another for {$480.00}.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

This is concerning my Cash App account. I have ( 2 ) transactions of " cash out '' one dating from XX/XX/XXXX for {$480.00} and the second one dating from {$200.00} on XX/XX/XXXX. When checking my bank account a few days ago I saw that these were never deposited into my bank account. I originally had a chase account listed and made deposits into them in the past. Now there is some mysterious bank account with a routing number XXXX and account number XXXX, which does not belong to me. How did this bank account get into to my cashapp account? After noticing this issue I checked my wife Cashapp account and her 's also list some mysterious bank account with the same routing number and account number XXXX. I contacted Cash App over two days ago and they have been unresponsive with basically copy and paste replies. They still have not addressed these issues.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NJ)

On XX/XX/XXXX I placed an order on the internet for a machine that applies make-up with a total cost of {$220.00} On XX/XX/XXXX I made payments in the amount of {$38.00} leaving me with a balance of {$180.00} On XX/XX/XXXX I spoke to a collection Agency who stated I was to set up a payment plan of an immediate payment for {$50.00} and then {$78.00} monthly until the balance was paid. I was assured I would receive some type of documentation confirming our conversation and terms of the agreement. I received neither. 

In the meantime, last week, my debit card was stolen and the bank sent me a new one. I received a call from collection agency asking for new card information. I asked if I could make {$50.00} payments for the next three weeks and then a {$26.00} payment on the 4th week and be paid in full. The man on the phone told me that would not make sense because I was being charged a {$20.00} processing fee for every payment I made. I was very upset to learn this as no one had informed me of this charge when I sent up the arrangement originally. He arrogantly told me I knew from the start. I tried to explain I had never received a letter or email stating so. He refused to let me speak by screaming " MaaM '' into the phone so I hung up. 

I called the original creditor there after only to find that the original debt due was {$220.00}. I paid the original creditor on XX/XX/XXXX in the amount of {$38.00}. 

I made two payments to the collection agency on XX/XX/XXXX of {$50.00} and another on XX/XX/XXXX of {$78.00}. Leaving me with a balance due of {$55.00}. Today on the phone I was told I had a remaining balance of {$170.00}. 

I want to file a complaint over the charging of the processing fees and never been told they were being charged. I did speak with them this evening and demanded a return of all the monies I paid them so I can pay the original creditor myself. She told me she would see what she could do and asked for 24 hours. The information for this agency is as follows : Monteray Financial XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX Manager : XXXX XXXX Ext. XXXX My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I am attaching my payment history sent to me by the original creditor. 

Thank you for your attention to this matter. 

Warm Regards, XXXX XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've contacted XXXX  and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've contacted XXXX  and was advised this account was opened in my name in 2016. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (OH)

I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.