davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This has been an ongoing issue with ARs for several years the last several months I have reported this company for incorrectly reporting to my credit report that this debt is outstanding and still owed ARS stated that they would look into it and determine my coverage of XXXX at the time if they received my XXXX number they received my XXXX number for nearly 3 months now and have still made no action I have followed every step and request that they have provided in their response to my previous complaints ARS will not respond to my emails they will not respond to my calls with regarding to taking care of this inaccuracy on my credit report ARS will not take action they have every information that they need from me however will not follow up will not take any action on this issue
Consumer complaint received 2022-08-27
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. (MN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX BANK XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, Medical XXXX Balance : {$96.00} Medical XXXX Balance : {$110.00}, Medical XXXX Balance : {$10.00}, Medical XXXX Balance : {$75.00}, Medical XXXX Balance : {$21.00}, Medical XXXX Balance : {$80.00}, Medical XXXX Balance : {$210.00}, Medical XXXX Balance : {$31.00}, Medical XXXX Balance : {$310.00}, Medical XXXX Balance : {$28.00}.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

I had two accounts with resurgent capital, they are now paid, resurgent states that when the accounts are paid off, all trademarks will be removed, my two accounts XXXX  and XXXX  XXXX XXXX  are listed as derogatory condition, I have contacted resurgent and they state that there is no such account. This is not true
Consumer complaint received 2019-03-14
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)

I went to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in XXXX, Florida for medical services. I had XXXX XXXX XXXX, and they paid the bill for that date of service. I received a call from a person saying he is a doctor and he asked me to pay a bill of {$350.00}, but I did not believe him because I have never received a call from an actual doctor about a medical bill. I thought it was a scam. On about XX/XX/XXXX I received a written bill from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX. I then called XXXX and explained what happened about the written bill, and XXXX researched the date of service bill and told me the bill was paid in full. I was good because XXXX the billed was paid and I had no responsibility to pay anything except my {$30.00} co-pay, which was already paid. I had to pull a credit report in the last quarter of XXXX, and that is when I actually looked in detail at my credit report and at that time I had a debt collection on my credit report from XXXX XXXX XXXX XXXX via XXXX XXXX. I called XXXX and they sent me a letter of no responsibility for me and summary explanation of benefits claim/s to send to Experian along with my statement that I was not responsible for any charges and all of the bill was paid according to XXXX XXXX and XXXX agreement. Experian would not accept my proof, so I sent all the same information to XXXX XXXX XXXX XXXX, they would not accept my proof. I called XXXX XXXX again and they got involved. They communicated with XXXX XXXX and XXXX XXXX. XXXX called me at the end of their investigation. XXXX said the billing department who filed this bill in the first place made the error and used my social security instead of my husband social security number, therefore I got charged personally instead of the correct way, charging my sponsor husband. Experian still will not accept this proof and the incorrect debt collection is still on my credit report, wrongly! When you may have no actual money, good credit goes a long way. I have filed 3-5 times with Experian disputing these charges. The charges was {$270.00} $ {$72.00} for a total of {$350.00}. I want rightfully this debt collection removed from my credit report. The mistake belongs to the billing department, not me. They should own up to it, but Experian will not budge even after XXXX XXXX XXXX has release me from their agency and provided Experian with no responsibility proof and debt collection release. 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. (GA)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (PA)

This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.
Consumer complaint received 2020-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- STUDENT ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/2006 with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2020-02-05
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. (CA)

XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and a written letter stating I was a victim of Identity theft.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I came across with XXXX XXXX XXXX XXXX  XXXX  and get {$400.00} per week I fill up all my information weeks later I got a check over the mail for XXXX sane that XXXX needs to go today XXXX XXXX XXXX I deposit through XXXX {$500.00} in their account and then I realize that its scam, he pushes me to go and do a money order and send it to them via overnight mail then I realize that its a scam I called XXXX XXXX right away and try to stop the transaction I file a claim and XXXX XXXX just sent me XXXX XXXX XXXX that same they can not credit me back I wanted to see if someone can please help me Im unemployed right now and I thought that its gon na be nice to make an extra money I cant believe I fell into a scam
Consumer complaint received 2018-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2018 PayPal informed me that I needed to verify my taxpayer status, otherwise limitations would be put in my account. I did not know what this meant at the time. I tried to resolve the issue through the provided link but it was a dead link. On XX/XX/2018 I was informed limitations were put on my account. I called on XX/XX/2018 and emailed to ask for help but all I received was the same link and an alternative email address to send things through. I still was not told what to send. On XX/XX/2018 the 2nd time I called I was finally told what to send and I did so. However I was not told the whole thing and didnt find out the documents I provided were not adequate until I called a week later for a 3rd time on XX/XX/2018, waited 2 hrs on hold, and asked why the issue had not been resolved. I uploaded new documents verifying my taxpayer status and was assured this would be resolved within 24 hrs. Two days later, XX/XX/2018, I called for a 4th time to check again since it still was not resolved. I was assured I had submitted the right information but that their tax department was so back logged that they could not say when it would be resolved. This lack of information from PayPal has caused so much frustration and also as a result, I have had to put my XXXX business on hold as I can not accept any payments. I have been assured they will inform me when my account is ok but I have no faith that they will since they couldnt even let me know the original documents I provided were not enough. I do not want to keep calling, wasting my nights waiting on hold or for them to call me back. How else am I supposed to fix my PayPal account?!
Consumer complaint received 2019-01-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frontline Asset Strategies, LLC (AZ)

I have spoken to the company in XXXX of XXXX. I have asked them to validate the amount and the debt in question. They sent me a graph picture with a blank account number and total amount due on XX/XX/XXXX. On XX/XX/XXXX my family and third party called me and let me know that the employees from Frontline Asset Strategies were harassing them with calls throughout the week, also informing me that they shared it was in regards to a {$4000.00} debt and I needed to pay or they would seek legal action against me. I emailed the company, Frontline Asset Strategies right away on the XXXX with the following statement : " My family & third party have contacted me to let me know that you have been harassing them about my account and you have contacted them on numerous occasions. You have also shared with them private information regarding my account which happens to be a violation of the FDCPA. Please do not contact any third parties, including my friends or family regarding my account with your firm. If you continue to do so I will seek legal action against your company and share the recorded conversations they have in regards to the shared information. In regards to my account, when we spoke XX/XX/XXXX, I requested a debt validation of the account to confirm this is or is not my account. You simply sent me a screen shot of a graph. Please, in moving forward, email or mail the appropriate findings and if you do call, please leave a message. I will return your call but I do not answer calls from unknown numbers. Moving forward, cease and desist all contact with third parties including family and friends. cease and desist in sharing my personal information with third parties. I do feel the best form of communication is through email so we are very clear moving forward. 
Thank you ''. Today, XX/XX/XXXX I received a call from another family member letting me know that Frontline Asset Strategies contacted them, were extremely rude and harassing looking for me threatening to seek legal action. I have requested Frontline Asset Strategies to not contact my family or third party and they continue to do so.
Consumer complaint received 2019-01-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

XX/XX/XXXX To whom it may concern : On XX/XX/XXXX, I XXXX XXXX, purchased a money order through Western Union Transfer Company ( money order # XXXX ). The money order was purchased at XXXX store # XXXX. The money order was written out to XXXX XXXX XXXX for the amount of {$660.00}. I took the money order to the XXXX XXXX XXXX after hours drop off box, placed money order inside of the drop off box. I later discovered that the money order was somehow stolen from XXXX XXXX XXXX office. The stolen money order was cashed at XXXX XXXX XXXX  on XX/XX/XXXX. 
I received a copy of the forged money order along with other banking information associated with the stolen money order by a XXXX XXXX XXXX  Representative, that documentation has been uploaded. I contacted Western Union to make them aware of the stolen and forged money order, I was instructed by a Western Union forgery department representative, to fill out the back of the money order receipt, then send to Western Union Forgery Department located in XXXX Colorado. I was told that I would receive a Western Union Intended Payee Affidavit paper to take to XXXX XXXX XXXX to have paper filled out and signed by XXXX XXXX owner/manager then send notarized paper back to Western Union Forgery department and I would be reimbursed for my lost. 
On XX/XX/XXXX, I sent the completed Affidavit back to the Western Union Forgery department. The affidavit was sent certified mail by USPS. The Affidavit was received by XXXX XXXX XXXX at the Western Union Forgery department. I contacted Western Union Forgery department a week later to be informed that the affidavit never arrived at the forgery department. I called Western Union forgery department a week later to be informed once again, that the affidavit had not arrived or been received at the forgery department by any of the representatives. A Western Union forgery department representative mailed to me ANOTHER payee affidavit form to be completed by payee. Once again, I repeated the process of having affidavit form completed and mailed back to the Western Union forgery department. 
Refusing to be disappointed again, I made copies of the completed payee affidavit form along with certified mail documents, also affidavit and certified mail documents are uploaded to my case. On XX/XX/XXXX, I called and spoke to a forgery department supervisor to be told that Western Union had not received completed forgery affidavit. I called Western Union to speak to a forgery department supervisor and was routed to a Western Union customer service representative. As of today, no one has contacted me from the forgery department to let me know the status of my money order claim. I am discouraged and outraged over the way Western Union has handled this claim. I have been a Western Union customer for more than 20 years. I am requesting assistance from your department to contact Western Union to see why they are not being a company of integrity and not complying with the reimbursement instructions.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (AZ)

Reason for dispute was I canceled the subscription for the amount of XXXX the date of the dispute is XXXX XXXX rocket lawyer is the merchant name XX/XX/XXXX was the transaction datE. Since then I have requested to speak with a manager numerous times to only be told they can only escalate via email. 4 times I have been told my case will be escalated via email with no response other then my case is denied with no further information.
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I have been a member of American Express since XX/XX/2004. They raised my interest when my financial situation changed, and my credit score dropped. I contacted AMEX today, and asked for a lower interest. I think now that my credit score has gone up, and I have never make a late payment in the last 14 years I would qualify for a lower interest. 
I was insulted by their customer service representative, and I was told that it was my fault that I was paying so much interest. I was told by him that if I didn't want to pay interest not to spend money of pay my credit in full every month, because it's all my fault. HE SHAMED ME
Consumer complaint received 2019-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

I contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.
Consumer complaint received 2022-08-27
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. (MN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2022, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX Balance : {$110.00}, XXXX  XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$75.00}, XXXX  XXXX Balance : {$21.00}, XXXX  XXXX Balance : {$80.00}, XXXX  XXXX Balance : {$210.00}, XXXX  XXXX Balance : {$31.00}, XXXX  XXXX Balance : {$310.00}, XXXX  XXXX Balance : {$28.00}.
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1. In accordance with the fair credit reporting act XXXX  2. XXXX XXXX XXXX XXXX 3. Capital one, 4. Capital one auto, 5. XXXX 6. XXXX XXXX 7XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX  9. XXXX XXXX, 10. has violated my rights.

2. 15 usc 1681 section 602 states I have the right to privacy.

3. 15 usc 1681 section 604 A section 2 states a customer reporting agency can not furnish an account without my writing instructions.

4. 15 USC 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-07
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. (CA)

I had an XXXX  collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and Transunion reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.