davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NM)

I received a debt collection notice dated XX/XX/XXXX from XXXX XXXX, Debt Collector, who is employed by the Professional Bureau of Collections of Maryland , Inc., on behalf of the XXXX XXXX XXXX XXXX Texas XXXX regarding a debt of {$510.00} that I allegedly owe to the Sound Physicians. I do not owe this debt. 

I have been in a dispute with the XXXX XXXX XXXX XXXX Texas XXXX since XXXX over medical debt they say I owe the XXXX XXXX  for an inpatient hospital stay that occurred in XXXX of XXXX..I received a bill on XX/XX/XXXX from them for {$1700.00}. I disputed this charge and was told by my insurance company I was being illegally balance billed by the XXXX XXXX. I received a letter from my insurance company dated XX/XX/XXXX stating I owed only {$300.00}. I finally received a bill in the mail with a statement date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX Texas XXXX for the correct amount owed. I paid the {$300.00} to the XXXX XXXX XXXX XXXX Texas XXXX online by credit card on XX/XX/XXXX and I do not owe any debt to this company. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX by phone about why my account was still in collections and spoke with XXXX XXXX XXXX XXXX confirmed I owed XXXX balance on my account and said they would investigate why my account was still in collections as well as put a hold on the account. 

Laws have been broken by the Professional Bureau of Collections of Maryland , Inc. and debt collector XXXX XXXX, This debt collection company/collector is in violation of the FDCPA and is unlawfully trying to collect money I do not owe. I never owed {$510.00} to the hospitalist group. The amount I did owe, {$300.00}, was paid in full on XX/XX/XXXX. I sent a debt validation letter dated XX/XX/XXXX to the Professional Bureau of Collections of Maryland, Inc.by certified mail ( received return receipt dated XX/XX/XXXX ) saying the debt was in dispute and to stop all communication with me and record that I disputed the debt. I also asked if the debt was forwarded or returned to another company they indicate it is disputed and if the debt has or will be reported to a credit bureau that it is reported as disputed as well. On XX/XX/XXXX I received a robocall on my voicemail from the Professional Bureau of Collections of Maryland , Inc. saying to contact them. Because I sent a debt validation letter within 30 days of receiving the debt collection notice this collector violated my rights by contacting me. I also have not received a letter from this company validating the debt they say I owe them.
Consumer complaint received 2021-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.
Consumer complaint received 2023-06-03
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)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-22
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: EQUIFAX, INC. (TN)

When I log into my.equifax.com to check my credit score and report it keeps returning the error " We are temporarily unable to provide your credit score. Please try again later. " .. Just to be clear I am able to log into my account it just doesn't pull up any of my credit report or my credit score. I've called several times over the past year each time I'd call they'd say they're escalating it to their IT department and the employee would say the IT department will email me when the issue is resolved ... I'd wait several weeks and I either wouldn't respond or send me a cookie cutter response saying " my issue had been resolved '' when it really was not resolved or I wouldn't get a response at all. I lost count the amount of times I've called equifax over the past 12 months to resolve this issue and I'm yet to make any progress ... This delay in action caused me to miss several errors in my equifax account whitch resulted in adverse action taken againts me ... I wasn't aware of these errors until I was declined for credit resulting in further negative items on my credit file. I've give Equifax every oppertunity to resolve this issue and plenty of time to do so with no sucess.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

Started receiving mail from BB & T? Saying I might have money in accounts I live never had? Dont know who BB & T is, never heard of them? Ive gotten 4 letters so far, first saying I might have money in accounts then letters saying Im going to be charged money for them? It looks like they are checking and money market accounts?
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLAZA HOME MORTGAGE, INC. (TX)

My mortgage loan account with XXXX XXXX has been closed since XXXX XXXX. Which Law states that XXXX XXXX had the right to Report Fraudulent information 5months after my account was closed to XXXX. XXXX XXXX, Director of XXXX Obudsman states that I disputed my XXXX Credit Report, in which is untrue. 
XXXX XXXX swore that the information she provided was true to XXXX Her Negative Response as of XXXX XXXX was with Intent to cause me harm. I do not owe this company and XXXX had no right to try and destroy my Character.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid 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: Klarna AB (IN)

Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services.

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time.

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed accounts mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : 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 XXXX XXXX XXXX XXXX XXXX  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.
Consumer complaint received 2023-02-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$32.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7000.00} MI XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TOWER LOAN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXP XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (WA)

I have not used my paypal.com account and unable to close my account. It still has my personal and financial information saved on their servers and I am unable to also remove the credit card information and other personal information on their file. 

Called customer support and they were very clear that I will be unable to close the account. 

A company can not hold my information XXXX and should allow to me deactivate/close my account
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I made an atm deposit on Sunday  XXXX   XXXX  for {$450.00}. {$100.00} cash and {$350.00} check. I also submitted credit card payments for processing on Monday  XXXX   XXXX . I was unaware that the deposited funds would not be available before the debit of the credit card payments came out of the Account. I was charged {$35.00}  three  separate times for a total of {$100.00} over draft fee which is outrageous. The account is always in good standing and never overdrawn.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
# XXXX 5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of XXXX. The collection has been reporting this past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I applied for a job and they sen me a check to be cashed and become   XXXX   XXXX   XXXX  . I had no idea that this company was fraudulent and that eventually the check would turn out to be a fake, due to the fact that Chase Bank cashed the check and allowed me to make withdrawals. I was a victim of fraud and it costed me my bank credibility. I filed Chapter  XXXX  Bankruptcy in hopes of clearing up the matter and that someday I could again obtain a regular checking account. I am in need of a clearance so that I can have my  Retirement  Check directly deposit to a reputable bank. I cleared up any old debts that I had and still can not obtain a decent clearance from  XXXX . My regular Credit Report scores have gone up and I have few debts. I even took care of all of  my Student  Loans. I filed Bankruptcy  for Chase ,   XXXX    XXXX   XXXX  even though I was the victim of fraud ; I got nothing out of it except loss.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : s I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or the reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-22
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. (MI)

I placed two disputes for closed accounts on my credit report from Experian. The accounts were said to be deleted upon payment of settlement from the creditor, but were never removed. The results came back as updated with the accounts still on my credit report. I asked a disputes representative at Experian to furnish verification methods used to update my report, seeing as how an agent of the company XXXX XXXX XXXX ) I disputed the accounts with XXXX XXXX, Agent ID XXXX ) stated NO form of investigation had taken place on my account from Experian with them. After several phone calls over the weeks, the only assistance anyone seems able to offer me is an additional dispute. By law, I requested validation of the debts and have yet to receive it, so I am requesting the accounts be removed immediately for violation of my rights under FCRA
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to express my deep frustration and disappointment regarding the repeated failures to address the issue of fraudulent items on my account. Despite making three previous attempts to rectify the situation, the problem persists, casting doubt on the effectiveness of your fraud detection and resolution processes. 

The continued presence of these fraudulent items not only undermines the integrity of my account but also poses a significant risk to my financial security. Moreover, the prolonged delay in resolving this matter has caused undue stress and inconvenience. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will compel me to explore alternative avenues for resolution, including seeking assistance from relevant regulatory authorities and consumer protection agencies. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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 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 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX is listed TWICE on my credit report, for 2 different amounts. FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 

4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX  correct and remove this inaccurate info from my credit report.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, consumer XXXX XXXX instructed TRANSUNION to remove several accounts dating back to XX/XX/2020. TRANSUNION furnished my information without my permission and without my written consent. This is fraud and its against my consumer rights 15 USC 1681b ( a ) ( 2 ) Permissible Purposes only and no other. TRANSUNION shared my alleged credit history and factual information and its supposed to be excluded by my written instructions. My rights have been continued to be violated over and over and its causing me XXXX problems and financial hardship.