davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Io, Inc. (DC)

My son and I both go to XXXX as regular patients. We both are under my health insurance. I am a federal government employee with excellent health benefits. I keep receiving harassing calls from receivable management in XXXX Virginia saying that I owe bills to XXXX. I went onsite and while at XXXX I was told I do not have a balance nor do I owe a bill. XXXX does not allow patients to be seen if a balance is owed. I received a notification on my credit report stating that XXXX is being reported by receivable management I was very upset but because I 'm going through security clearance I paid it. I need this investigated because they clearly are n't sending bills to my insurance company and there is a disconnect I 'm not receiving bills and I do n't owe any I received another call today for XXXX from this receivable management this is fraudlent and becaus inpaid the first bill they are trying again. This needs to be deleted from my report I was told if I pay it and request in writing the XXXX would be deleted and it has n't now they are asking for XXXX
Consumer complaint received 2023-05-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have placed a security freeze on my credit record with all XXXX credit reporting agencies so that I can avoid identity theft. I needed to lift the freeze with Transunion so that I could get internet service. Despite the fact that I provided Social Security Number, Birthdate and PIN number, Transunion would not lift the freeze because they claimed I had not changed my address in their records when I recently moved. However, on their own web site my account showed the correct address. They then required me to answer security questions and refused to serve me because I could not remember the credit limit on an unnamed charge card issued XX/XX/XXXX. They then required me to fax and mail copies of my drivers license, social security card, and a utility bill, but still did not fix my address in their records or lift the freeze. Finally after numerous calls and hours on the phone someone agreed to lift the freeze and i had to give a charge card number for a {$10.00} fee. Several days later I had to call back to get the " lift '' cancelled and the security freeze reinstated. They put me through all the same obstacles again. I had learned the credit limit on the XX/XX/XXXX bank card and gave it, and then they demanded the credit limit on an unnamed store card issued XX/XX/XXXX. I could not answer that question. Could anyone? I just kept repeating that I wanted the security freeze put back on my account and the lift cancelled. Finally they did as I asked. All these calls were handled by people speaking heavily accented and virtually unintelligible XXXX who rarely understood what I was saying and were clearly reading from scripts. I am sure this happens because Transunion wants people to give up in despair and order their so-called identity protection service which costs more that the leading service. They do not want people exercising their right to place security freezes and they make it as difficult as possible. This is not fair. This company should be punished.
Consumer complaint received 2023-07-27
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}.
Consumer complaint received 2015-12-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!! 
Please please help us. 
Thank you XXXX and XXXX XXXX
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (CA)

I opened a new joint checking account ( for wedding savings ) as part of my current relationship with Ally Bank, who I have been a customer of since 2007 ( as XXXX Savings Bank ). I deposited {$10.00} into the account, received a checkbook and debit cards which I kept in a locked filing cabinet. I initiated no further activity on the account. 
Then 2 weeks ago I noticed ( by way of XXXX ) that I had been charged XXXX {$25.00} overdraft fees into this account. When I contacted them I learned that they had rejected XXXX ACH Withdrawal attempts and charged overdraft fees for them : - XXXX - {$490.00} - XXXX - {$490.00} As I work in the XXXX, I know the ACH system well - so when I contacted them I probed them regarding where these withdrawal attempts had come from, as no one would have the routing number/account number combination for this new account. They were unable to provide me any details ( e.g. ACH TRACE, information on the originating financial ( OFDI ) ) to help understand if this was an error on Ally 's part or a legitimate data breach condition. I attempted to talk to people higher up the chain however they were even more opaque on what occurred. Given the young age of the account, I am concerned that Ally Bank was the victim of a data breach and that I am XXXX the first customers to feel the impact of the breach.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TX)

I received a series of calls and an email to activate a Citibank commercial credit card that I neither received nor applied for at any time in the past. 

According to the " Citi Commercial Cards Team '' : We recently sent you a new, Citi Chip and PIN card to replace your old, magnetic stripe card. Our records indicate that you have not yet activated your card and selected a XXXX-digit PIN. 
To activate your card, call toll-free XXXX or visit XXXX.citimanager.com/corporateWhen I called, I was put on hold for a " XXXX '' and no one ever came back on the lie for XXXX-minutes. 

I suspect that either I am a victim of identity theft, and/or some form of scam - as I can not get a response from the people who claim to have issued this card. There is some big mistake in their issuing a card to someone else, or this is a scam/fraud that needs to be resolved.
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-05-09
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$14.00}.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

My chase credit card account was FRAUDULENTLY charged by a vendor called " XXXX XXXX XXXX '' on XX/XX/23 {$290.00} ; XX/XX/23 {$140.00} ; XX/XX/23 {$140.00}. Chase credit card services believes that this charge was by me because according to their investigation they found that two of these charges are by chip usage of the credit card. These charges were not by me, I have never used this vendor. When researched on XXXX, the vendor shows up as a XXXX restaurant in XXXX. The credit card statement states " health & wellness '' for these charges. I tried to explain to Chase 's investigation team ( XXXX and XXXX ) that this is a scam and my information was leaked as an employee of the XXXX department of education ( DOE ) . The DOE experienced a security breach of our personal information, and I believe this could be a result of the security breach. Chase credit cards is giving me a difficult time about removing these three fraudulent charges and is holding me accountable for them. I am requesting support to please get these charges removed from my credit card statement as it was not me.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

First and foremost, I believe there has been a mistake in this decision. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe measure. The sudden and permanent restriction of my account has taken me by surprise, as I have always strived to comply with all PayPal rules and regulations. 

In light of this, I kindly request that you thoroughly re-investigate my case. I am hopeful that upon closer examination, it will become evident that this limitation was placed in error. I value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my account has significantly impacted my ability to conduct financial transactions smoothly. 

I implore you to reconsider and, if possible, restore my account to its previous status. This would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal 's commitment to fair and just customer service. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of my case. I am eager to resolve this issue as soon as possible to resume using PayPal for my online financial needs. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Sunlight Financial LLC (MI)

After applying for a bridging loan with Sunlight Financial for Eerie Home roofing, making a debit payment for it, and unfreezing my credit for XXXX and XXXX with which we secured a LOC, attempts were made to take funds from my XXXX XXXX  checking and two savings accounts. I spotted it and contacted the bank which froze all original accounts and denied the attempts. I opened new checking and XXXX savings accounts. with XXXX. I contacted XXXX XXXX regarding a closed account since the withdrawal/payment attempts were noted as XXXX XXXX online. They reported no activity from the CO savings account or use of my SS number and removed the XXXX XXXX  connection I had used to deposit savings. 
I contacted XXXX XXXX whose salesman had taken personal info and originated unfreezing of my XXXX and XXXX credit. They denied involvement of any pervious such incidents with their contracts. 
On the day I was flying to XXXX, my XXXX  XXXX XXXX XXXX XXXX  had a swiped charge at XXXX. I contacted XXXX they permanently credited the amount, froze the old account, and are sending me a new credit card. 
I have created new User names and passwords on my various on-line payment accounts. 
I believe I have been hacked.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-27
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX Balance Owed XXXX XXXX