davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (OH)

On XX/XX/XXXX, I contacted this agency about I debt letter I received for a debt from XXXX that I had never once been contacted about prior to this date. I was told that I owed a sum to my doctor 's office that had not been paid by my insurance. 
I called my insurance first to verify that the correct insurance had been billed as I had changed insurances that year. When I did so, my current insurance ( I'll call it insurance XXXX to simplify ) was not in effect and I was on a different insurance ( called insurance  XXXX for simplicity ). I called the insurance XXXX and got the proper information to give to the debt collection agency to contact. I also called my doctor 's office to confirm the dates and the procedure cost. 
To my surprise, not only did my doctor 's office have no outstanding debt for me and have that visit marked as paid, but they also had no idea what debt collection agency this was as they had never worked with them before.

I called the debt collection agency back in order to confirm that the debt was listed under my doctor 's office and I was told no, it was listed with an outside XXXX XXXX I asked for the contact information for this rXXXX XXXX and was given a po box that isn't even in my state. I asked for a phone number or for an email and this debt collection agency has no other way to contact this particular XXXXXXXX XXXX 
I gave the agency my information for insurance XXXX and did my own research to find the XXXX XXXX. 
After multiple numbers that did not exist and a call to and XXXX XXXX XXXX  seller, I called the debt collection agency back and they gave me one of the non-existent numbers that they had XXXX for me. 
I decided to wait for the agency to go through my insurance XXXX provider and contact me back. The agency contacted me back XX/XX/XXXX and asked me how I would like to pay my debt. 
I can not get ahold of the XXXX XXXX they keep telling me I owe money to, my doctor 's office never worked with that XXXX  XXXX, and they refuse to take responsibility and contact the XXXX  XXXX  themselves, but still expect me to pay a debt that I don't even owe.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

CitiBank closed my account because a check bounced in XXXX, XXXX. There were additional available funds ( just over $ XXXX ) which I have asked when I will receive. I was shut out of online access. My last statement, which was provided to me after many phone calls, indicates that the remaining balance was withdrawn. I did not withdraw it. The bank did. I have called so many times, first from the customer service department to the fraud department because of the bounced check. I have been told by the fraud department to contact the customer service department. They in turn send me back to the fraud department. I am in vicious circle between the two and no one will provide me any answers.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

I informed XXXX, Experian and XXXX XXXX of my address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I also informed them of my employment, which is XXXX XXXX XXXX XXXX XXXX. 
On numerous occasion I have tried to informed these companies that the information listed must be corrected. 
I have not been successful as of yet.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate. 
The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.
Consumer complaint received 2024-01-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

THIS MEDICAL BILL SHOWED UP A YEAR AND SOME MONTHS AFTER INCIDENT I HAVE MEDICAL INSURANCE AND XXXX XXXX XXXX HAVE HAD PROBLEMS GETTING IT BILLED CORRECTLY IN THE PAST HOWEVER WHEN ASK WHAT THE CHARGES WERE? FOR THE STATEMENT ON THE BILL REFLECTED SERVICES RENDERED THATS ALL AND ALL I I CAN GET OUT OF THEM UNACCEPTABLE I NEED TO KNOW WHAT IT WAS AND WHY IM BEING ASK TO PAY. MY INSURANCE HAS NO RECORD OF THIS BILL?? AND ASK ME TO GET INFO SO THEY COULD CHECK ON THEIR END NO INFO JUST BILL NOW ITS TWO YEARS SINCE A DATE OF XXXXXX/XX/year> IS ON BILLS I DONT RECALL BEING IN HOSPITAL BUT I DONT KNOW WHAT THIS ALL ABOUT IT COULD BE SERVICES NOT COVERD BY INSURANCE BUT I NEED INFO BEFORE I JUST CUT A CHECK LIKE A FOOL.
Consumer complaint received 2023-08-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (MO)

I was sent in to collections with out notice charge off oj my report. Paid the charge off and there still adding derogatory comments amd statements on my report.Misleading information for creditors. I belive that's not fair credit reporting. I've called and asked for updates no results. They continue to blemish my credit report after i paid them.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (KY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity Theft Affidavit, " Please delete the items as soon as possible ''
Consumer complaint received 2023-06-15
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. (TX)

The unverified inquiry indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this inquiry to be authenticated ( A ). I will take legal action against you if you do not validate this inquiry. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2021
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely Experian, XXXX, and XXXX, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have a checking account with USAA and have my direct deposit going to my USAA account. 
I work for an XXXX XXXX XXXX XXXX, so I always set travel notifications when traveling but USAA no longer requires travel notifications and does not have any place for a travel notification to be placed. 
On XX/XX/2023 I had a problem with my debit card being blocked with funds available on my account and I was told by a representative named XXXX that a note was placed on my account advising the bank that I travel for work and use my card XXXX. 
Today I got a direct deposit and tried to transfer {$250.00} funds to my XXXX account and had the same problem, but USAA kept {$100.00} and the funds were not placed on my NFCU account. 
When I contacted USAA, I spoke to XXXX, then XXXX, then XXXX, XXXX and no one knew where my funds were but notes were placed on my account blocking me from reaching a supervisor on deposits. 
I called again and spoke to XXXX who told me that notes were placed on my account and he could only transfer me to Member Resolutions, as per the notes.

I asked for a supervisor but was denied by all XXXX representatives and my funds continues missing.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I was notified on XX/XX/XXXX  that my credit had changed and sent congratulatory emails by Chase Bank about my new Chase Sapphire card. I immediately called and was passed around to many different Chase representatives that day. Some telling me I applied for the credit card on XX/XX/XXXX. Others representatives telling me I applied on XX/XX/XXXX. The card was opened in the amount of {$27000.00}. Then Chase tried to cover it up and say I was hacked and it was done online. The card applied for was sent to my mailing address and no other funds were taken from my account. I have tried asking Chase for more information multiple days and I keep getting the run around. The last day I reached out was today XX/XX/XXXX and I received a different story that the credit card was applied for on XX/XX/XXXX. Then I was passed around and on hold for over an hour after I said I wanted to file a complaint because I believe someone at Chase opened this account without my consent to meet a sales goal. After waiting I was coincidentally disconnected. Chase will not give me a straight answer.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX NY XXXX Dear sir, I have had the transaction with XXXX vending machine at XXXX XXXX XXXXXXXX XXXX to get a XXXX  of {$10.00}. Since I had an issue with this vending machine, which procedure was written on another printout, it ended up that you charged me {$10.00} twice. Even though I tried the transaction to refill my XXXX XXXX twice, I succeeded only once ; therefore, I should be charged only once. So please refund {$10.00}. 

Also, I found out your company refunded {$10.00} for XXXX XXXX in question for 5 times. But I am not sure XXXX XXXX for XX/XX/XXXX of XXXX even though I am not sure the price, if there was any charge for this game. It might have been free, or my son wanted to play this game so much and I paid for that. Anyway, I am not sure why the refund of XXXX on XX/XX/XXXX of XXXX was made ; even though he had used quite a long time until about high school. 

Sincerely,
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

They charged 11 overdraft fees in a matter of days. I have gone into my local branch to request overdraft protection be removed from my account. The teller said it was done but apparently it was not done. Somehow this is my fault? They have record of it being removed from my personal account but not the business account even though the teller at the time assured me that it was removed from my business and personal account.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$7400.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX  Purchase Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Original Creditor : Not available Payment Amount : {$0.00} Last Payment : Not available Term Length : 1 Month ( XXXX ) Past Due Amount : {$7400.00} Account Type : Unknown - credit extension, review, or collection Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/year> {$8500.00} was transferred from my bank account into Coinbase. I then noticed that there were transactions occurring within my coinbase account that were not initiated by me. I immediately requested a password change and that my account be locked so that no money could be transferred out. Instead of helping me secure my account, Coinbase locked me out of my own account for XXXX hours for verification and when I was finally able to log back in, all my money was gone including additional funds I had in the account before that day. I called Coinbase begging for help and begging to get my money back but they denied my request and told me it was my fault and that I had initiated the transfers when I did not. I requested they provide the IP of whoever or wherever the transfer was requested from and they denied it knowing that I was not the one who requested these transfers. I dont know who stole my money or how they did it but my money was stolen and denied. Ive been trying to fight this for the past year but Coinbase is not helping me at all and refuses to cooperate. Please Assist!
Consumer complaint received 2024-01-21
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

Jefferson Capital Systems XXXX continues to try to collect a debt that is inaccurate. Jefferson is working on behalf of XXXX which is no longer in business. I switched to XXXX XXXX XXXX in XX/XX/2021. When I switched, XXXX which was purchased by XXXX XXXX was contacted by XXXX XXXX XXXX about the switch. I do not owe any money to this company and no proof of what is supposedly owed has not been provided. The original date of when I had XXXX as my XXXX is more than XXXX years old. The statute of limitations on the the original creditor has gone past the statute of limitations, which is more than XXXX years ago.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I am a loan borrower on track to have my loans forgiven under PSLF. As encouraged by the federal government, I submitted a request to have my Income-Based Repayment plan moved to the REPAYE ( prior to SAVE ) payment plan on XX/XX/2023, but heard back from Mohela via email on XX/XX/2023, that moving to REPAYE plan would increase my monthly payments, so they took no action. I resubmitted a request to have my payment plan moved to SAVE on XX/XX/2023, but have now received a notice from Mohela on XX/XX/2023, that my account has been placed on administrative forbearance until XX/XX/2023, while they process the request. This will add two additional months ( with interest accruing ) until I am eligible to receive PSLF, because while I currently have 105 eligible payments, the forbearance will now eliminate three would-be eligible payments I would have made in XX/XX/2023, XX/XX/2023, and XX/XX/2023, that would have counted towards PSLF, thereby achieving 120 payments sooner. I have followed all instructions and abided by all deadlines, and do not feel I should be penalized because Mohela is not able to process the traffic of payments and requests at this time. Attempting to call Mohela several times, I have been on hold for countless hours with no reply. There is absolutely no accountability for what, as far as we know, could be an intentional delay to increase my interest and overall payout that Mohela will receive when I finally qualify for PSLF.