davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

In XXXX of XXXX I noticed a derogatory mark on my credit files reporting to all 3 major bureaus. This was for a medical debt in the amount of {$490.00} by XXXX XXXX XXXX. I immediately disputed the item with XXXX and it was unverified and deleted from my. I also disputed the same item with XXXX and XXXX. The item was also deleted from my XXXX file after a second dispute in XXXX continue to report the item. After contacting XXXX they suggested that I contact XXXX to dispute the item directly with them. I sent XXXX a letter disputing this account asking them to verify this debt ( proof of the agreement with their client granting them the authority to collect with dates/ times this debt allegedly occurred. ) sent via certified letter ( with proof ) and they received it on Friday XXXX XXXX, XXXX. Prior to sending the dispute to XXXX I did not receive any letter or communication from them whatsoever regarding this matter. On XXXX XXXX, XXXX I received a bill from XXXX demanding payment in full. The letter did not prove anything and was only a demand payment letter with the amount owed. Being this is a third party attempting to collect a debt I expected them to provide more detailed proof such as an original invoice from the original creditor with detailed info about services rendered, dates and times etc. I did not receive this. I sent another dispute via certified mail on XXXX XXXX and have yet received anything from them. Clearly this is a case of unverifiable debt on their part and I requested they remove it and report to XXXX. Under the FCRA I have a right to have this debt validated and I have not been given the evidence due under my right to prove what they say is accurate. It is still being reported as a derogatory remark on my XXXX file and has caused unnecessary financial hardship. my rights are being violated and XXXX is not following FCRA guidelines designed to protect consumers. XXXX is a collection agency ( XXXX ) party and legally obligated to furnish proof they have a right to collect on this debt. I have not been given proof and would like this company to cease reporting inaccurate information and demanding that I pay them. Or provide the information I requested and verify which should not be difficult if it valid and not erroneous or an attempt to extort money from hard working people like myself! I did n't make the rules that constitutes Fair Debt Collection, but I am following them and they are not! Can you please help me? If it is mine and I see tangible proof then I will make good on my end, if they cant provide me with something ( invoice, bill, proof etc ) its mine then I refuse to pay it and am asking you to mediate and or remedy this situation by asking them to adjust their records and send that to XXXX as well. Thank You.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (CT)

My interest rate is 19.25 percent. Yet when I have tried to refinance with other banks they deny my request. In short so far I've paid about $ XXXX in interest. Which sums up to approximately {$200.00} per month of the $ XXXX monthly payment counting towards the principal.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

RE : DISPUTE/ COMPLAINT WITH ATTACHMENT. THIS ACCOUNT I SNOT MINE. IT DOES NOT BELONG TO ME AND I HAVE NO CONTRACT WITH MY WET INK   SIGNATURE TO PAY CCS.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (PA)

I noticed that a collection from the company Transworld kept showing up on my credit report last year. I called the company at that time and they informed that I owed a outstanding medical bill a hospital in new jersey for emergency room services XX/XX/2017 or XX/XX/2017. i explained to them that I had health insurance at the time. they explained that I had to have the insurance company contact them. The insurance company contacted the collection agency and to my knowledge the bill was paid. I noticed that it did disappear off of my credit report, but then it reappeared again a month later for the same thing by the same company. I then contacted them again about this matter, I also had the insurance company contact them again. I was told by Transworld to not contact them again ; i should contact the insurance company and the person who made the bill which is XXXX XXXX. I contacted XXXX XXXX and they said the bill had been paid. The insurance company of XXXX of Delaware tried contacting them again to tell them that this bill has been paid to no avail. That was two weeks ago and I contacted the Credit Bureau to see what they could do because it still is not off of my credit report. The Credit Bureau suggested that I report them to your organization due to the fact that this is the second time that they will have to take it off.
Consumer complaint received 2020-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (TX)

On XX/XX/2020, added a derogatory remark to my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the debt. Debtor 's creditor did not verify this information. Also, there was NO written form of communication, contrast, or signature for the account debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ALPINE CREDIT INC has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Consumer complaint received 2020-10-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My complaint is all three credit bureaus Experian, XXXX XXXX are reporting this one account XXXXXXXX XXXX XXXX  which is a charge off. I called XXXX XXXX XXXX to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I spoke to agent at XXXX and explained to them that XXXXXXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXXXXXX XXXX account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXXXXXX XXXX will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX XXXX  account since I paid the balance now there telling me to call XXXX XXXX to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (NM)

Greetings, I'm in dire need of assistance. Since Thursday, XX/XX/2020, I've attempted to set up my debit card account online with EPPICard, to access my unemployment benefits which were deposited to the EPPICard on Tuesday, XX/XX/2020. After entering and submitting all of the information required to establish the account, a notice states " Can not find any client that matches the given biographical information. '' Repeatedly, I've called the number listed on the back of the card which resulted in my being placed on hold for hours at a time. After finally reaching a live person, twice, I was informed that my entered birth date doesn't match what the Unemployment Insurance Division, New Mexico Department of Workforce Solutions submitted. 

As such, I've notified the Unemployment Insurance Division, New Mexico Department of Workforce Solutions of the discrepancy by email, fax and by telephone. The circumstance remains the same, I don't have access to my unemployment insurance benefits that were deposited to my EPPICard account, last Tuesday, XX/XX/2020. I fear that I may lose those much needed funds. I greatly appreciate your assistance.
Consumer complaint received 2020-10-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I mailed the attached Experian Dispute Letter dated XX/XX/2020 to Experian, which was date stamped on XX/XX/2020 by them. In that attachment, I specifically listed the inaccuracies and/or incomplete ( blank ) information, and requseted the points of contact information they claimed to have used ( Data Furnishers ) that used a Metro 2 format ( Record Layout ) to verify the information on my credit report as being accurate. In addition, I identified the late payments displayed on my credit report, as I have NEVER been late on any of the accounts listed in the attached dispute lettre ( XXXX XXXX XXXX XXXX ( Individual or Joint ) or XXXX/XXXX XXXX ), and those accounts displays inaccurate account numbers, which the burden of proof is on the credit bureaus. I find it very disturbing, appalling, and disrespectful that the identifiable accounts have been ignored as I received vague responses and stall tactics from Experian dated XX/XX/2020 neglecting to report verifiable and accurate informatoin.
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

I have Credit Limit {$4000.00} and balance {$1300.00} I credit card was denied, I called credit card about it and asked about explanation they said computer has hold balance, I said why all they said we are sorry
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MO)

Re : Collection of previously negotiated bill from Jefferson Capital SYST Dear Consumer Protection Bureau, XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill - Account number XXXX - about which I originally Contacted XXXX to remove from my reports, as that account was paid in full and this was years ago. 

I would like to suggest that XXXX and Jefferson Capital SYST eliminate the paid XXXX bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/2020 i sent a person money through my bank account and a zelle payment only to later find out that the person i sent the money to was a scam and the bank would not refund the payment. I have filed a Police Report and still awaiting the next step but the money was never returned from the person or my bank. I sent XXXX from my XXXX  XXXX checking account.
Consumer complaint received 2021-11-01
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. (DC)

1.Personal information via Transunion. I've called and stated that some information certainly does not belong to me and I want it removed. To no avail, the info is still present. From my end, I can see a birth date that is not mine.

2.I made a request for an address update. I see the address update however, it is the wrong address. I called about this issue this morning and was told that it was updated. I've explained that I do not reside in the state that is listed as my current address and its not my address.

3.I have tried to get my credit score number, only to be told that I have to pay for it. Is this accurate?

Transunion customer service reps are not very patient, credit report sites are filled with information and you can not just view something in a short amount of time.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

on XX/XX/2020 i was contacted by the individual who contacted me on XX/XX/2020 about an XXXX scam. this XX/XX/XXXXscam started with usaa federal savings. this individual almost got into my usaa accounts again through an XXXX and an XXXX phone at the same time. i have 4 other banks on this XXXX phone. he was only interested in my usaa accounts. after i got him shut down i went to a different contact for XXXX this contact verified that it was a scam. i got my account straight with XXXX and they advised me to contact FTC about what happened. i now have aqn account with the FTC. on  XX/XX/XXXX this scammer again was only interested in my usaa bank account. usaa is not investagating what is happening. they will not admit that i tried to stop this scam because they have chosen to support the scammer. they have admitted that they did not try to stop this scam untill 3 days after it happend. i have documentation on this. 3 days was to late. when i called the bank on XX/XX/2020 ti stop the scam and freeze my accounts they refused to do it. they supported the scammer i am a XXXX vet and very easily taken advantge off. and that is what this bank is doing. that XXXX should have been put back in my saving account but i belive it went into an employees account.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc (LA)

XXXX, 2022 a charged off medical account was on my credit report from a company named Professional Credit Management. I contacted the company to question them about the account and they asked for my personal information then hung up in face when i declined to share that until they tell me who they were. I submitted disputes online to XXXX, XXXX, and XXXX. XXXX, deleted the account the next day. XXXX and XXXX said the debt was validated without doing ANY investigation. A few days later i received mail from Professional Credit Management and it was a detailed bill of a medical procedure i had years ago. They are in direct violation of HIPAA laws and violated my rights.
Consumer complaint received 2020-10-31
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. (IL)

On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, Experian and XXXX still is reporting it as such as if it was a revolving credit. XXXX is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and Experian and XXXX through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.
Consumer complaint received 2021-04-08
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. (PA)

EquiFax explained that " the authentication questions on the Equifax website are questions designed to be known only by you. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. '' This is understandable and acceptable. However, the problem still remains that if I answer " None of the above '' to all 3 questions asked, I am not able to gain access to my free Credit Report online. This is highly inconvenient and unacceptable, as being a Credit Bureau, they have more information about me than anyone else out there. Therefore, they should be able to include at least one question that actually applies to me that I can respond with an actual answer that would allow for me to be able to access my reports. I understand ( and am guessing ) that the questions are probably automatically generated by some algorithm that they are using. However, if that is the problem, then they need to fix it to make sure to include at least one question that would apply to me. 

Although they did mail me one report b ack in XX/XX/2021, I am still unable to access my credit reports online. They are the only bureau that has this issue. 

I need to be able to answer ONE RELATIVE question to access my reports. Please fix your system to provide at least one relative question or change the way access is provided.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porania, LLC (GA)

Hello, This account is fraudulent that is reporting on my credit. I have yet to receive and updates from the bureaus within the past 30 days. By law after 30 days these accounts are suppose to be remove of my credit report.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account XXXX XXXX 15 USC 1681section 602 A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( I ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group (GA)

I was sick with XXXX  XXXX and was having a hard time XXXX so I went to seek help from the XXXX XXXX XXXX emergency room on XX/XX/2020 and XX/XX/2020 approved as a provider with my health insurance. Because the treatment was XXXX related, the bill was to be covered 100 %. I only learned after many calls to the provider and the health insurance carrier that the doctor who treated me in the ER was not on the approved list of providers, although the hospital was. I had no way of knowing that. I tried talking with the provider, XXXX XXXX XXXX XXXX  who continues to refer me back to the collection agency where the debt was sent. This has had an negative affect on my credit and the collection agency wants me to pay them in full in hopes of removing the negative action on my credit report. The provider did receive some funds from the insurance company but they billed me for the additional {$1800.00}. I also talked with them about House Bill 888. The provider sent the bill to the collection agency without given me any notice.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX Dear the " '' governor '' ''. I am **XXXX  XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ****ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!