davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (NH)

XXXX XXXX XXXX, XXXX Tx, with blatant and contemptuous disregard for the consent decree obtained against them onXX/XX/XXXXby The Consumer Financial Protection Bureau, ( File # XXXX CFPB XXXX XXXX has been harassing me for almost a year about an alleged medical debt that they claim is owed to their client, XXXX XXXX XXXX XXXX. I have never even been inside the nearest XXXX XXXX facility, which is about 50 miles away, nor have I ever been treated at, or provided any services by any XXXX XXXX facility. I am not certain that XXXX XXXX is even aware that XXXX is making these allegations. XXXX deliberately waited almost a year from the date of a procedure that I had at a small local hospital, then demanded payment, claiming that I was " uninsured ''. I am XXXX, entitled to Medicare, and carried a Medicare supplement policy. The procedure was fully covered by this insurance, with no deductible and no co pay, and my insurance coverage was accepted by the providing hospital. After I explained this in my first letter to XXXX, they then asserted, that " Well even if you were covered, our client didn't know that, and it is now too late for them to file a claim. '' ( untrue ) I wrote a second letter, again explaining that their client didn't even perform the procedure. I recently received a response from them stating that there was no new information in my second letter, and they did not intend to re examine the case. 
Presumably they still consider that this money is owed, and at the end of their last letter they made a point of noting that they had not ( yet ) furnished any negative information to any credit reporting agency. I took this as the most thinly veiled threat that they would do so if I failed to cooperate. They are doing now exactly the same things that triggered the consent order against them in XX/XX/XXXX. 
XXXX has not even attempted to verify this debt or produce any proof or documentation explaining why I owe money to a hospital I have never set foot in. Further, they are letting weeks or months elapse between correspondences, in an effort to further obscure the facts. 
I am a XXXX year old woman in XXXX health, and have had to spend countless hours attempting to defend myself against this baseless and frivolous attack. It has taken a very heavy emotional toll on my retirement, to say nothing of the wasted hours. 
My present XXXX score is well above 800. I will now have to request frequent credit reports for the foreseeable future until this matter is resolved. 
I am still considering a separate complaint regarding the release or escape of my personal information from the original hospital in violation of the HIPAA statutes without my consent. 
I
Consumer complaint received 2017-07-18
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. (MD)

I have requested proof of validation on several occasions from the collections company   XXXX   (   XXXX   XXXX   XXXX   ) and also from  XXXX  and Transunion once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and Transunion.   XXXX   and Transunion have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EULER HERMES UMA, INC. (NY)

AT ABOUT XXXX XXXX ON XX/XX/XXXX, XXXX XXXX FROM EULER HERMES CALLED ME TO ASK ABOUT A PAYMENT I AGREED TO MAKE.  I TOLD HIM I WAS JUST WORKING ON IT NOW AND ASKED FOR THE PROPER ADDRESS TO MAIL IT TO.
INSTEAD OF GIVING ME THE ADDRESS, HE TOLD ME HE WOULD "NOW TAKE THE PAYMENT OVER THE PHONE".  I TOLD HIM I WOULD NOT DO IT THAT WAY, THAT INSTEAD I WOULD MAIL IT AND HE LAUNCHED INTO A PERSONAL ATTACK INCLUDING MOCKING MY SPEECH AND MAKING FUN OF ME FOR NOT PAYING ON TIME.  THIS WAS THE MOST UNPROFESSIONAL CONVERSATION I HAVE EVER HAD WITH ANY COLLECTION COMPANY.
HE NEVER ADVISED ME THAT THE CALL WAS BEING RECORDED OR NOT.
HE THEN CONTINUED TO INSULT ME AND MY BUSINESS, CONTINUING TO MOCK BOTH MY LANGUAGE AND SPEECH.

THIS WAS ABSURD AND COMPLETELY ILLEGAL I BELIEVE.


XXXX   
Re: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INC

THIS IS HIS EMAIL SIGNATURE
XXXX XXXX XXXX Collections Specialist

Euler Hermes Collections North America | Commercial Recovery | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX MD XXXX  | Phone: +XXXX XXXX XXXX XXXX  | Mobile XXXX XXXX XXXX XXXX | XXXXXXXX   
www.eulerhermes.us

MY NAME IS XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I reported multiples fraudulent transactions on time as soon as I realise, Well Fargo is denying the claim because my pin number was used. I dont make purchases with PIN numbers, I dont use the PIN I prefer to be signed the slip. On top of that, I dont understand how the transaction was made out of the USA and I did not receive any fraud prevention calls, and now they dont want to fix this. I havent been able to pay my medical expenses because of this, please not that Im a very sick person if I have to go to any emergency room and I dont have the funds in my account I will hold Wells Fargos Responsible for this.
claim number  XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (KS)

On XX/XX/23 I tried to use my HSA debit card at a dental office and again the same day at a dermatologist office - neither could process the HSA debit charge and paid out of pocket. I called Optum Bank on XX/XX/23 while at the dental office and was first made aware that Optum Bank HSA inactivated my card a while back and sent replacement cards. I told Optum I was NOT given notice or made aware of this before they deactivated the account nor did I receive a replacement card ; ending that call they ordered a new card. I received the new card on XX/XX/23 and activated it by calling the number on the sticker on the new card on the afternoon of XX/XX/23. Two days later, on XX/XX/23 I tried to pay for prescriptions ( about {$100.00} ) with the new card, but got a denial code : " Debit not available appr. code = XXXX '' I called Optum again while standing at the pharmacy checkout counter and waited for nearly an hour on hold to talk to a supervisor who could only apologize for the inconvenience... WHAT? This is more than an INCONVENIENCE!!!! I could not pick up my prescriptions. When I got home I logged into my account and it shows a very old card number, not even the most recent card number and certainly not the new card received XX/XX/23. I am beyond frustrated!!! Optum is WRONGFULLY withholding this acount holder access to their funds!! I want to transfer this account to another HSA account ; Optum Bank is acting unethically and illegally.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

I have submitted this complaint before. It was not handled properly. Please help me getting my money back. 
In XXXX, I visited a business, paid via XXXX in PNC app. The business said the transaction did not go through and they showed me their phone. It showed on my end, it did go through. I called PNC right away to stop the transaction or freeze funds. The Rep told me to just dispute the transaction. I did so per her instruction. I got a letter saying the dispute was denied. I escalated. I got a call today, XX/XX/22, and the Rep said a bunch of meaningless words, XXXX XXXX, and nothing was changed. I don't know what their investigation consisted of. Also, a bot, at the end of the online chat asked me if I wanted a chat transcript, I supplied my email, never received it. XXXX!! Pitiful business practices! They don't care about their customers!! I see they have poor reviews from other customers too. 

XXXX XXXX XXXX ) XXXX My checks are under XXXX XXXX at the bank.
Consumer complaint received 2017-05-12
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: EQUIFAX, INC. (DC)

To Who m It May Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to request one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   XXXX   of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are  XXXX  liens on my  XXXX  credit report that do not belong to me. I have asked for verification from   XXXX   and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.   XXXX   is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.
Consumer complaint received 2017-07-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I received notification on   XXXX    XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on  XXXX   XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

I spoke with Jefferson Capital Systems LLC today XX/XX/XXXX at XXXX XXXX and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " XXXX XXXX '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.
Consumer complaint received 2017-07-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have sent Experian several disputes letter trying to dispute items off my credit report. It seems that they are finding items that should remain on my credit report. I have sent them letter saying that these are not my account. I have had no contract with these companies. All the credit cared that 's on my credit report was done online. Somebody open up credit cards in my name online.  XXXX  and  XXXX  has deleted these items off my report after finding out that it was not mines. Experian is so hard to understand that these items are not mines. I have received letters from the company saying that it is a fraud and i sent them out to Experian and they still have it on my credit.i have others items on my report that is fraudulent.
Consumer complaint received 2023-04-01
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. (FL)

This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2023-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with Equifax. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID. This company had blatantly ignored every dispute request that has been sent to them.

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf.

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MI)

XXXX XXXX {$37000.00} Processing To : XXXX XXXX XXXX DOMESTIC WIRE XXXX XXXX {$100000.00} Processing To : XXXX XXXX XXXX DOMESTIC WIRE XXXX XXXX {$1700.00} Processing To : XXXX XXXX XXXX ACH I Initiated XXXX different USD withdrawals from Binance US, which is a crypto exchange company. The status of the transfers has been stuck in Processing for almost 10 days now. ( I should have received an email from XXXX XXXX XXXX to confirm transaction but i never received the emails ). I have trying to get in contact with the company 's support. I sent over 20 different support tickets and never got a reply back. After researching about the company, to be specific on their twitter  account ( https : //twitter.com/BinanceUShelp and https : //twitter.com/BinanceUS ), thousands of people seems to have problems with them.I feel that Binance is not willing to fix The issue and release my money. By ignoring my requests, it seems that they are trying to steal my money Or they are using it on other stuff to make profit from Holding them. 
Some of the support tickets i sent them : # XXXX. 
# XXXX # XXXX # XXXX XXXX and many more
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I received my consumer reports and noticed that I have XXXX late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Consumer complaint received 2018-04-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A. (NC)

My falsely XXXX cousin received an insurance check due to his mother 's death in the amount of around {$1200.00} in XX/XX/2018. He forwarded me the endorsed check and a power of attorney document to cash the check and get him the funds. The check was written off of PNC Bank. I spent about three weeks trying to get the power of attorney wording corrected and filed with the Register of Deeds only to get one declination after the next. I had a US postal tracking number to show that the envelope was mailed from the prison itself. It was a good check, but PNC Bank would not cash their check. They did Not offer a check cashing fee as an alternative. My cousin and I have the same last name. PNC Bank offered no option to cash the check written off their bank. It had become a life and death situation, and they kindly expedited Legal review, but PNC XXXX declined the third draft of power of attorney. Their review process was averaging four days per  document review cycle. PNC Bank fails at customer service. My online review is at XXXX XXXX   XXXX? XXXX