davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

The situation is as follows : I visited a hospital Emergency Room In the XXXX XXXX, CA area on, or about XX/XX/XXXX for an emergency medical condition in which I arrived by 9-1-1 ambulance. At that time I presented the particular Hospital in question - ( of which this bill is being submitted ) - with proof of my enrollment in the Medi-Cal program- ( Medi-Cal is the name of the Medicaid program in the State of California ). 

This reported debt is for an amount due by balance billing- ( the practice of billing a patient for the balance of monies due that were not covered /paid by insurance coverage ) - ; however, I was a Medicaid patient at that time and the full balance for services rendered -as per Medicaid- was paid to this facility & providers. 

My visit was billed to Medi-Cal/ XXXX XXXX XXXX public health plan. I informed this hospitals billing department of this fact of NUMEROUS occasions ; and, also informed them that under California law the balance billing of Medi-Cal patients is illegal. 

Furthermore, this collection agency continues to report this debt to the credit bureaus as if it is new/recent, when in fact this goes back over 5 years to XXXX. 


I have attempted to resolve this issue through the listed collection agencies, as well as through the dispute process with each one of the three major credit bureaus. The organization listed below continues to report this false/incorrect/erroneous information.

* ( Please note that there are several of these incorrect/fraudulent debts reported on my credit report ( s ) which I will be filling similar complaints about. Please read each one as unique. Thank you, XXXX XXXX ) The account details, as per the collection agency attempting to collect this *erroneous* debt is as follows : Bureau Name XXXX XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 4 Years, 6 Months Credit Limit Not Reported Highest Balance {$4800.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

XXXX, a part of experian - membership expired and at the expiration they unlocked my credit without my instruction or permission. 

Amounts to extortion to pay for membership to maintain credit lock. Experian is the one that had a breach of my data. 

Guessing this is happening to thousands of people that received the free service after their breach. 
Remedy ... lock my credit and do not unlock without my permission.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (CA)

I had been getting calls from Dynamic Recovery Solutions every few months requesting payment on a debt owed. Each time I am contacted, I request a statement to be sent to me showing the original debt and charges that are on the bill but never receive anything on paper showing what exactly the debt is for. 
I received a call on XX/XX/XXXX from Dynamic Recovery Solutions again regarding a debt owed for medical bills incurred in XXXX, totalling XXXX. The representative said that it is for a remaining balance that is owed after the insurance coverage and since it has been more than XXXX  years from the date of the bill, my only option is to make a payment plan. I requested a statement to be sent again and he said that XXXX XXXX sent on XX/XX/XXXX. I told him that I have not received it yet again and will not make a payment plan until I receive proof of what the bill is for. The collection has now shown up on my credit report and I have still not received anything proving what the bill includes.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NY)

I have an account at Coinbase and on XX/XX/XXXX I changed my password and I received a notification from Coinbase to that effect but on the XXXX I received another email saying that my password was changed so I called but it was taking a long time to get to talk to someone but the automated voice asked if I tried to get in the account and I tried but was not able to using the new password and the automated system asked if I locked the account so I did. When I was able to get someone on the phone I was told that I would need a valid ID and since my driver 's license was expired in XXXX I renewed it on the XXXX of XXXX and they said that they would not accept the temporary copy so I waited until I got the actual license then I called them and we tried many options trying to get in the account and after they all failed the person suggested that I open a new account and they would transfer my balance from the old account to the new account. When they transferred the balance I noticed that my XXXX XXXX or XXXX Average price was changed from {$0.00} to {$0.00} and my Alchemy or ACH was changed from {$0.00} to {$0.00} and on my app there's no Average price listed they all say {$0.00}. I have tried way too many times to try since late XXXX on the telephone and online and I have not been able to get any help and I have sent them a screenshot of the XXXX XXXX with the exact amount showing that it was at {$0.00} on XX/XX/XXXX days before the problem 's started and they act like that's not enough or they're asking for more information. I also submitted two screenshots for the Alchemy or ACH because I bought some on the XXXX of XXXX to move from {$100.00} XXXX to {$120.00} XXXX and since it was a smaller amount the Average price didn't change that much and since I only have XXXX coins in my account I know what their prices are and I saw it after I bought the roughly {$24000.00} and the Average price was {$0.00}. I would appreciate any help in fixing the mistake. Thank you in advance.
Consumer complaint received 2024-03-13
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. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-13
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-06-04
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)

The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections.

This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is a not a duplicate complaint and the reason of this complaint because I'm a victim of identity theft, my personal information has been stollen, and I'm a doctor on a wheelchair, I'm very limited to go anywhere. I can't file police report over the phone at this point. I recently checked a copy of my credit report and noticed some addresses reporting that do not belong to me or have been obsolete for an extended period of time. For the safety of my information, I hereby request that the following obsolete addresses be deleted from my credit reports immediately ; 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 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 ALL ABOVE ARE NOT MINE, AND MUST BE DELETED.

I have provided my identification card and social security card to verify my identity and current address. Please notify any creditors who may be reporting any unauthorized past accounts that are in connection with these mentioned addresses as I have exhausted all of my options with the furnishers.
Consumer complaint received 2022-10-17
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. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My Credit was charged so this charge is on my credit an I sent my security to them they accepted it an .I asked if they even practice TILA REGULATION Z I want a full refund I got XXXXwo different XXXX  money deposits fore {$17000.00} an they sent me the other a week later when I reported this XXXX deposit nwas {$500.00} 15usc 1605 ( a ) finance charges 15 USC 1611 I want a full refund cause my credit was charged
Consumer complaint received 2022-10-17
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

XXXX. XXXX XXXX XXXX Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third-party reporting agencies. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXXXXXX XXXX XXXX  [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-10-17
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-07
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I needd you to remove the followinfg items off of my Credit File at the earliest posible time : 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 Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit reporting Act section 605b, I am requesting that you immediately remove the disputed items oof of my Credit File as soon as possible.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

Last year, I was having issues canceling subscriptions with 3 different companies : Amazon XXXX, XXXX and XXXX XXXX. These companies were making it impossible to cancel so as a last resort, I closed the checking account and linked debit card entirely and opened a new checking account and new debit card on XX/XX/2023. To my dismay and without my permission, Chase linked my new checking account to the old one and continued to allow those companies to debit my account on a monthly basis. Last week I spoke with Chase and filed disputes to get my money back and I was immediately told that my disputes would be rejected because I didn't cancel my subscriptions with those companies. I spoke to a supervisor in the claims department and tried explaining to her that I had completely closed the old checking account BECAUSE I couldn't cancel, but she very rudely hung up on me instead of listening and doing anything to help. Yesterday, I received a letter from Chase confirming that my claims had been denied. I find the fact that Chase has allowed any charges to go through a closed checking account very disturbing and represents severe derelict of duty. Chase is my financial institution and should be my advocate. But not only did they break the law by allowing transactions to go through a closed checking account, they wouldn't even give me a chance to explain and Iiterally hung up on me instead. Since then, Amazon did cancel my subscription and refund the money, but XXXX and XXXX XXXX will not. And just to add some insight, the FTC is currently suing Amazon for making it impossible to cancel XXXX subscriptions. So it's not like it should be a surprise that I couldn't cancel as well, nor should it be a surprise that other companies make it equally impossible to cancel. I did everything in power to make those charges stop and the only acceptable outcome would have been for Chase to decline any payments attempting to come out of the closed account.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CT)

To Whom It May Concern, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( XXXX ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( XXXX ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( XXXX ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( XXXX ) Communicating with a consumer regarding a debt by post card. 
( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

XX/XX/2022 I was admitted into the hospital for XXXX. When discharged I made my mortgage payment it was 1 or 2 days over the 30 day mark. I contacted Carrington Mortgage asking for a courtesy removal of the late payment due to medical emergency. They declined to do so. I am attaching all of the correspondence involved as well as proof of the hospital stay.
Consumer complaint received 2023-02-21
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NC)

Hello this company has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. BRANCH B & T XXXX