davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (FL)

I received an alert from XXXX  about an account being reported by CONSUMER ADJUSTMENT CO. Please be advised their validation { not verification } of an item reported to XXXX  by CONSUMER ADJUSTMENT CO is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to CONSUMER ADJUSTMENT CO, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against CONSUMER ADJUSTMENT CO should this item not be deleted within the required time allowed by law. CONSUMER ADJUSTMENT CO is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX  as well, since they are the only bureau incorrectly reporting this debt. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2017-08-25
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)

When pulling my credit report through Experian there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.
Consumer complaint received 2021-03-28
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. (NE)

The credit bureau is reporting a collection account with XXXX XXXX XXXX in the amount of {$1600.00}. This is not my account and it is identity theft. I did not receive any services from this company. This is not my account and needs to be removed from my credit report immediately. I have disputed this fraud account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act. This is also a violation of the HIPPA law.
Consumer complaint received 2017-06-08
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)

Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I spent 4 1/2 hours at Best buy buying t.v., speakers, phone accessories etc., I was physically and mentally exhausted and at check out the young clerk asked if I had a Best buy credit card. I said no, he said I could get 10 % cash back. There was a sign with a big 10 % on it at the check out and with the amount I was spending, that would be a sizable rebate. 40 to 60 minutes later, I still had n't seen any information on the credit card ( they were having computer problems and even an area supervisor was involved ), I am XXXX XXXX XXXX and 5 to 6 hours was taking it 's toll. If they had given me the credit card pamphlet, it would n't have gone this far. I would have said no deal. I have never had a credit card that charges an annual fee, NEVER. I had the money to pay by myself, the first time I even touched the pamphlet was when they finally got a pc working ( 4th one ) and the young clerk said to read the numbers and letters for the code for my 10 % to the person on the phone. All this and I had to return the next day for my t.v., as it was not in stock. That day the '' helpful '' clerk avoided me like I had the plague. I had n't yet looked at the credit card pamphlet, I needed assistance with the speakers he sold me and some additional parts. He wanted NOTHING to do with me. Within two weeks, I had returned almost everything and I told the returns clerk to payoff and close that Best buy credit card. Having no confidence in them I checked with Citibank who handles the Best buy card and no, nothing had been applied to that card. I checked with my bank and all monies had been applied to my card with them ( I had to use my card along with Bestbuy 's to cover the purchase ). I called Citibank again, told them to cancel card ( Bestbuy did n't apply money to or close the account ), woman on phone wanted to know why ... I told her I have never had an annual fee credit card, or one that charges 27 % -29 % apr ; she wanted to try to lower annual fee, I said no I will never pay a credit card annual fee. I paid off the amount I had put on the best buy card and she said that 's it, it 's closed. Now I am receiving a bill for the {$60.00} annual fee ( minus a {$6.00} return or whatever ) but with an additional {$27.00} late fee! Now another {$27.00} is about to be added as my health has kept me from mentally/physically being up to pursuing this issue. Where is my 10 %??? They could have cleared the board, by applying that to card balance. Remember I did n't have the card a month. Finally read the ultra fine print, not cash back like clerk said, but Best buy rewards. I am never going back to best buy except if t.v. needs repair, as the returns clerk did n't know how to cancel/refund for extended warranty. Duh, ask someone! And yes, t.v. has problems.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following  : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for  any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

I opened a TD Bank Checking account on XX/XX/XXXX with a promotional {$300.00} checking bonus for completing direct deposit requirements. In the fine print their terms stated that customers who had not held an account and received a bonus in the past 12 months were eligible for this promotion. 

After 140 days the bonus still had not been paid out so I reached out to TD Customer Service. They are citing the account that I held and the bonus that was paid out on XX/XX/XXXX as reason to not pay out the bonus specifically citing the verbiage " the new account does not qualify as this would be considered combining with another offer. '' Clearly I did not apply multiple offers to the account that was opened in XXXX and the language surrounding accounts held before the 12 month period was very clear. 

The bank 's mistake is made even more apparent because their new terms and conditions have been updated to specifically state " Customers who received a bonus on a prior checking and/or savings account do not qualify. '' Note that this language did NOT exist when I opened the account with the promotion in XX/XX/XXXX.
Consumer complaint received 2020-06-20
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. (CA)

I HAD AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc. (NM)

I received this lette from real time acquisitions LLC, real time resolutions stating I owe {$530.00} and I 'm not certain of where this loan comes from I tried contacting them and no results their number is  XXXX
Consumer complaint received 2021-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-04-21
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: DISCOVER BANK (NJ)

I needed to get my air ducts cleaned due to getting health problems from the dust coming out the vents.I found a company on XXXX and emailed about my situation.He stated he would clean all the vents for a flat fee of $ 330.I talk to my boyfriend and told him they had a warranty and read to my boyfriend what the company offered..My boyfriend said to set up for them to get cleaned since it had a warranty and I was getting XXXX and XXXX 
Two men came with a big vacuum.The man stated he puts it in one vent and it sucks all the dust out of all the vents. ( to add he told me he was the owner of the company and does it part-time cause he is retired ) I question him about a long fan thing that goes in the vents and spins to loosen up the dust cause I seen it on XXXX and he said they only do that for fire damage..He never looked in the vents when he left.Me and my boyfriend put the vents back up..I told my boyfriend within 2 days I see dust on my tv stand.computer speakers and other things but my boyfriend let me clean everything again and if it still comes out then we will call the credit card company to dispute the charge.To add the Owner wanted Cash and on the receipt it does say cash but when my boyfriend found out I was paying cash he said no way cause I had no protection if the job is not right.He told me always to pay with a credit card for protection..With that said Dust was still coming out the vents and I disputed the charge..I sent the Discover so much proof..Proof of the warranty he had..Proof of text I sent the owner of the vent cleaner that dust was still coming out with pictures attach.I told him I wanted him to come back and use the brush he should of used.We made a date for him to come back.. ( we is I wanted my boyfriend here to take the vents down cause I was sick ) The owner agreed .The he called insisting of doing it the days that we DO NOT agree on and the day I was XXXXHe was very intimidating and grudge but I told him I had all the proof he was and schedule for the next day..Then he just said oh it's your baby powder and hung up..So discover charge me again and oh I did win the dispute and then all of a sudden it looked like they did it again..weird but when I call and my boyfriend being a witness to all and sending then text proof and warranty proof etc they give me all different reasons why they favored the guy who cleaned the vents wrong..Now I have pictures even of dirty vents and Discover is not doing as they are suppose to with a dispute finding in my favor cause I showed them all the proof and the guy showed them nothing.He gave them just hear say and the paper he printed out where I signed after I paid..
Consumer complaint received 2020-06-20
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. (NY)

Hello, XXXX XXXX has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, XXXX website and their customer service representative. XXXX reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to XXXX statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to XXXX rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with Experian. I did, and Experian came back to me saying that this is a correct amount according to lender. I spoke to XXXX again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on Experian it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. Thank you
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (CO)

I have been using Credit Karma to track my credit score.The last time I tried to log in, it didnt recognize my credentials. Tried creating a new account and was told ( attached screen shot ) that I already have an account but the email associated with the account is unrecognized to me. I tried contacting Credit Karma to resolve. They only have an email to submit support tickets. Ive submitted three separate tickets over the past week and have received not one response. I tried to call their corporate phone number in XXXX XXXX and was immediately placed into a voice mail box. Meanwhile, I am seriously concerned that some unknown person now has access to my SSN and other private information. I have obtained my free credit reports from the three reporting agencies. Thankfully I dont see any unrecognized accounts opened in my name but there is some key past credit history information that is no longer appearing on my report and there is an unknown past address showing on my XXXX  report. I would like to close my Credit Karma account but just need the company to actually respond to my support requests so I can do that. As of now, I am completely unable to access my own account.
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Financial Credit Service, Inc. (TX)

I received two calls in a 24-hour period from an unknown number that left messages with my name, my birthdate, my last four SSN, and my address claiming that my son had committed two counts of fraud and urged me or my son to contact XXXX immediately. They provided a " notice '' number ending in XXXX and referred to him as the " defendant '' They said I was a " substitute service '' or " person of interest. '' The call was very threatening and claimed a " motion had been granted to confirm and validate his whereabouts. ''
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I created a checking account on  XXXX / XXXX / XXXX  at  Webster  Bank at  XXXX   XXXX , Cambridge. There was an ongoing promotion of {$350.00} for the said checking account which is why I created the account. There were several requirements to get the promotion, and I successfully met all the requirements they asked within the time line. After 3 months, I even verified with the in-branch representative and the rep said I fulfilled the requirements and I would get the promotion value in a short time. However, the promotion value did not show up after a long time, so I asked again multiple times via phone and via secure messages in web service. Every time, I was confirmed that I was/am eligible for the promotional {$350.00}, and I just needed to wait while longer. This conversation went on and on. The first inquiry started at the end of  XXXX , and the most recent inquiry is  XXXX / XXXX / XXXX . They still say that I 'm eligible for the promotion, and I need to wait. At some point, they gave me some specific date that I would get the promotion, like  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , but those never happened.
Consumer complaint received 2024-02-16
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-25
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: Experian Information Solutions Inc. (TX)

I have inquiries on my credit report from Experian that I do not recognize. I have contacted Experian and the companies to resolve the issue but have been unsuccessful. Below are the inquiries in question that I would like Experian to provide me with the information that proper procedures were used to obtain my credit by these companies and that they had my signed consent or a recorded IP address from the source. 

1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX/ : XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

When pulling my credit report through XXXX there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

Early XXXX, I called Wells Fargo, and asked what relief they could provide due to Covid-19. At one point in my life I worked as a XXXX XXXX XXXX so I am very familiar with how a forbearance versus a deferment works. I was adamant if all they could offer me was a  forbearance that I was not interested and I was assured by the Wells Fargo rep that they would just put the 3 payments at the back end of the loan and it was not a forbearance so I agreed. Yesterday XX/XX/XXXX, I received a notice from Wells Fargo asking If I need to extend my forbearance or discuss repayment options for the missed payments. I am livid! I was lied to or someone XXXX  up. I want the offer I agreed to nothing more nothing less.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX XXXX in XXXX has several negative reviews for billing costumers after they have terminated or ended their services with them. My name is XXXX XXXX and my credit use to be high 700s, its now XXXX over an electric bill that has been paid for. They have sent me to collections, a company by the name Helvey & Associates based out of Indiana, currently, Helvey & Associates or H & A is a third-party collection agency based in Indiana. H & A  has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by Helvey & Associates, understand your rights before responding. On the page of XXXX XXXX.