davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/XXXX, with XXXX  XXXX XXXX as the original creditor. Again, I don't live in Tennessee, and I have not lived there for more than XXXX years. Unsure how an account will be open this year for medical debt in TN when I live in GA. 

Because of my previous complaint, I received a document from XXXX XXXX XXXX stating I owe {$1400.00} for services given on XX/XX/XXXX. What was that for? Prior to this collection appearing on my reports, I had never been contacted by anybody about such an account existing. Where is the original bill from the original creditor? So many questions regarding an account that magically pops up in XXXX for services that you are saying were given in XX/XX/XXXX.
Consumer complaint received 2022-11-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-07
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. (NJ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( 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 an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (LA)

I have reached out to the bureaus on multiple occasions and they have not honored my request in a timely manner. I sent in disputes on XX/XX/XXXX and I need this request completed and items taken care of.
Consumer complaint received 2024-07-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The negative rating on my account is causing serious concern due to its credit impact. It has already led to a loan rejection and higher interest rates on my existing credit accounts. This situation is creating severe financial and emotional strain, which will continue until resolved.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

- I used a venmo account for personal transactions for several years while I was living in the XXXX ( XXXX ). 
- Upon moving out of the country, I was told my account would have to be shut down, and my remaining balance would be sent to me via check ( approx. {$300.00} ). 
- XX/XX/year> : This check would take a maximum of 5-7 days to process and 30 days to mail ( approx. 5 weeks ). 
- XX/XX/year> : Followed up with company after 11 weeks without receiving check. Was told they would follow up on the status of my check within 5 business days. 
- XX/XX/year> : Followed up again after 3 weeks of no response given. 
- XX/XX/year> : Followed up again. Still no response given or correspondence of any sort. 

In total my check that should have taken 5 weeks to receive has been outstanding for 15 weeks, and the company refuses to return my messages anymore. Have been unable to get any sort of response through email or phone. The only possible explanation I can imagine is that the company has lost, stolen, or otherwise misappropriated my funds.
Consumer complaint received 2016-07-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

A Ditech representative called and said XXXX XXXX of Ditech asked her to call and inform me that Ditech was denying my loan modification because I did not have a payment arrangement with IRS. 
When I told IRS they said to send them proof that Ditech told me they would not give me loan modification unless I have payment arrangement with IRS so I waited for the letter from Ditech stating the reason for my loan mod denial. When the letter came it said THAT I CANCELLED the loan modification request. THAT IS NOT TRUE! 
I then called Ditech and recorded the manager reading the notes on the computer where a representative on XXXX XXXX, XXXX who identified themselves as XXXX, noted that they were denying my loan modification because I did not have a payment plan with IRS. I RECORDED THE CONVERSATION and will have it transcribed if I need it for a trial. 
The representative said they would email me the note from their computer but nothing came. When I called that same representative again he said he was told he could not send the note and that he was told that if I wanted the note I would have to subpoena it. That would mean spending thousands retaining a lawyer. 
Please tell Ditech to send in writing that they denied my loan modification because I do not have a payment arrangement with IRS. 
This all stated when XXXX FORCE PLACED INSURANCE ON MY MORTGAGE EVEN THOUGH I have had insurance with XXXX since XX/XX/XXXX without a lapse. I sent them proof of insurance but they only refunded me partial amount of the fee for their forced placed insurance policy which threw off my escrow. I refused to pay the extra amount so they put my payment into suspense and started saying I missed a payment. They then sold my loan to Greentree, which became Ditech. I explained everything to Ditech that had transpired. Ditech asked XXXX to investigate. In XXXX XXXX XXXX admitted they had unnecessarily charged an added forced placed insurance policy and refunded {$1000.00} to Ditech but Ditech refused to waive the fines and fees for all the months they said I was missing a payment. So I asked for a loan modification to get rid of the fines and fees. That is when Ditech refused to give me a loan modification because I do not have a payment arrangement with IRS. Ditech started returning my payment each month and is set to auction my property on XXXX XXXX, XXXX. I inherited this home from my sister, XXXX XXXX, who died in XX/XX/XXXX. 
If you have any questions please call me at ( XXXX ) XXXX. 
Sincere thanks for your help. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

XXXX of my clients sent me an ach to my bank for payment of services ( {$2300.00} ). By accident I gave them the wrong account number. We contacted his bank ( XXXX  ) and mine ( Chase ) to try and straighten this out. I filed a fraud case but Chase said there is nothing they can do. His bank sent him an insufficient funds notice. They were able to look into the account and discovered that the money was withdrawn the same day. Chase also stated that they can not give me any information about the person who received the money. 
I would like Chase to refund the money but to no avail.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2024, my account balance closed at a negative amount {$140.00} due to 5 transactions that went through that day for which I did not have a sufficient amount in my checking account to cover. On XX/XX/XXXX XXXX XXXX XXXX, I deposited {$190.00} to rectify the {$140.00} overdrawn amount from the prior day. According to your piece of mind policy, I was expecting to see the {$170.00} overdraft fee refunded to my account on XX/XX/XXXX, and it was not. I contacted customer service and was told that due to other transactions that went through on XX/XX/XXXX, my account even though I made the deposit to cover the prior day 's overage by your piece of mind policy, I can not be refunded the {$170.00} overdraft fees. So your peace of mind policy is a disingenuous attempt of giving your customers any piece of mind. In fact, it is fraudulent and misleads your customers by being touted as an incentive to do banking with Citizens. this peace of mind is proudly displayed at any branch location I have visited. The transactions that went through on XX/XX/XXXX should then be subjected to that same policy for your peace of mind policy to be genuine. I should not have had to cover the amount of the overage from the prior day plus cover the amount from that day 's transactions to be eligible for the refund of the {$170.00} overdraft fees, in this case, from the prior day. To be truly authentic, those transactions that went through that day should need to be covered by the following day by XXXX XXXX. I should not have my eligibility to be refunded the overdraft from the prior day be voided because I had additional transactions go through that day. Those transactions should be under the same peace of mind policy. Therefore those transactions should need to have their amount covered the following day by XXXXXXXX XXXX which I have already done today for it to be a policy that truly is a benefit to your customers.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX XXXX XXXX XXXX : Amount : {$4700.00} Account # XXXX XXXX XXXX XXXX : Amount : {$1400.00} Account # XXXXXXXX XXXX XXXX XXXX : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} 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 an account without my written instructions 15 U.S.C 1681 section 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (VT)

After attempting several times to transfer my funds ( {$400.00} ) stored in Venmo to my bank account, they suspended my account on XX/XX/XXXX. I had it reinstated by sending them my valid photo ID. After trying again to transfer my funds, they suspended the account again on XX/XX/XXXX. Rather than requesting to have my account reinstated, I filed a complaint to the company asking for them to allow me to receive my funds, as I no longer want to use their services. They responded to my request with a generic email on XX/XX/XXXX that didn't address any of my requests. As instructed, I responded to the email saying I needed further assistance. I also called their help phone number on the XXXX in an attempt to contact a real person rather than an automated, generic response. I was unsuccessful. On XX/XX/XXXX, a so-called " account XXXX '' emailed me informing me that my account had been permanently deactivated because it was not eligible for reactivation, even though I had specifically stated that I was not requesting reactivation, rather, was only requesting my money to be returned. They also stated that no future inquiries would be addressed. In this email they said " The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. '' I can not wait 180 days for my funds to be potentially delivered. Any help would be greatly appreciated. I feel exploited and frankly disgusted by Venmo 's actions and lack of customer service.
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

XX/XX/XXXX we purchased ( from XXXX- we still have the receipt ) a XXXX XXXX XXXX satellite dish and receiver for our RV. This was set up as a pay as you go account - meaning we would call when we wanted service, it would be activated for a month and then service would expire. We used the service off and on for several years. The last time that we activated service was XXXX of XXXX. In approximately XXXX of XXXX I received a request to return our equipment. I contacted XXXX XXXX and explained that we purchased the equipment. At this time they also turned me over to a debt collector for the {$16.00} fee. After several phone calls I was informed in XXXX of XXXX that the issue was resolved. Then in XXXX of XXXX I received a letter from a different debt collector for the same {$16.00} and now additional fees. I once again contacted XXXX XXXX. My last conversation with Dish was with XXXX XXXX XXXX XXXX who stated that she has reversed the charges. I requested a letter or email confirming this. She asked for my email, which I provided, and stayed on the phone with me. No email ever arrived. At this point XXXX was frustrated with my requests to have something in writing and told me something to along the lines of i cant get you anything for XXXX hours and until the account is updated and shows a {$0.00} balance. As you can imagine, I simply do not trust that this issue has been resolved and I am requesting something in writing to support their claims and prevent further erroneous attempts to collect a debt that I simply do not owe. Your assistance would be greatly appreciated. 

Thank you!
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Per FCRA Regulations, creditors/collectors are required to include Original Creditor Name. This required information is not provided by XXXX XXXX XXXX for XXXX collection accounts with balance of XXXX opened XX/XX/XXXX and {$3500.00} opened XX/XX/XXXX. 

I have written to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a Debt Validation Letter for both collection accounts. XXXX XXXX XXXX did not respond to either request and provide requested information. 

Please remove both collection accounts from my XXXX credit report given this creditor is violating my rights under FCRA.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (CA)

Contacted first around XX/XX/XXXX. The collector ( XXXX XXXX, XXXX TX ) told me they were going to prosecute me for fraud. They were very specific about that. Not that it could go there if I didn't pay a judgement. If I was willing to work out a deal with them, the associate would try to pull the case back. 
I worked out a payment and then made two payments before I realized that if it is not a scam, it was certainly not legal to the best of my understanding, how they proceded to collect. They can not prosecute only file a complaint as far as I understand it. Also, if the court wanted to talk to me, they can and would contact me. 
A company called XXXX XXXX XXXX called to tell me they were bringing court papers. They proceded to call my brother to tell him to give me a call as well. As they had already talked to them, calling my brother was nothing more than a tactic used to push me to do what they wanted. 
After two months, when I told them they could not continue to charge my card, the collector was livid. No annoyed, absolutely XXXX. I asked for more information about the claim and they would only tell me the original debtor, who charged it off, the date it was charged off, and amount THEY said I owed. I have no way to verify this other than to contact the original debtor who has been assimilated by another bank. 
I do not know they actually purchased the debt. 
On XX/XX/XXXX, I got sucked in again, but I decided this sounded alot like a scam. The XXXX XXXX XXXX  does identify them on their scam alert. 
When we talked again, the document service again called my brother, which they had been told not to do as they had already talked to me. 
When I asked if they had a judgement against me, they said it had gone " way beyond that ''. I believe this means they do not have a judgement. 
I talked to the credit card company to claw back the money since I suspect this is a scam. They got {$550.00} in two payments. I notified the Texas Attorney Generals office with a complaint and also filed a complaint with the XXXX XXXX XXXX Although they can't go below an F-. I am also planning on contacting their payment processor to make sure they know who they are collaborating with. 
If this is a legitimate claim, they are certainly exceeding what they are allowed to do as identified by your site information. Please feel free to contact for more details. You got the highlights. 

I have been threatened and lied to. I will not deal with these people again. 
If there is a judgement against me, I was never notified of the court date to allow representation. I will gladly do whatever a court tells me to do.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.