davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

In XXXX, I was taken by a XXXX XXXX XXXX to hospital. At this time I was insured under XXXX XXXX of California. I was admitted to hospital and the hospital costs were paid by XXXX XXXX. The ambulance company XXXX XXXX failed to collect payment from the insurance company as beginning in XXXX they have repeatedly sent this debt to collections in full knowledge that I am not liable for the debt. 

In XXXX XXXX, XXXX XXXX  were informed in a three-way call with XXXX XXXX that I am not liable for the debt because I was covered by my insurance ( see attached documentation ). I was given he reference number : XXXX by XXXX XXXX of California. XXXX XXXX confirmed that XXXX XXXX never submitted a claim for the ambulance ride, instead they have harassed me for payment for the past four years in full knowledge that I am not liable for the cost as I was insured. 

Despite the fact I am not liable for the debt XXXX XXXX first initially removed the debt from my credit report. Then in XX/XX/XXXX, XXXX XXXX has once again sent this debt to a collections agency called Wakefield & Associates, and this company has deliberately returned it to my credit report. In XX/XX/XXXX, I phoned up Wakefield & Associates to dispute the claim they claimed they would notify the credit referencing agencies of the dispute. The collection agency did not do this instead they increased the amount I owed them to hide the fact they were collecting the same debt twice, which I do not owe.. 

I have attached the original ambulance ride inclusive of dates demonstrating that they are deliberately attempting to coerce payment from me so as to prevent further damage to my business. 

The XXXX XXXX  ID number I had at the time was : ID : XXXX Group : XXXX This insurance information is confirmed on the attached correspondence. XXXX  XXXX stopped doing business in XXXX XXXX in XXXX, thus the debt they have added to my credit report is the same debt they were told to remove by XXXX XXXX in XXXX. They returned the debt to my credit report by claiming it was {$1.00} dollar less than the first charge than the first debt they put on my report. 

The date of Service for the Ambulance ride was : XX/XX/XXXX and the Run Number was : XXXX. 

I do not understand why the credit reference agencies are allowing this clearly fraudulent conduct to occur. This is nothing short of extortion. When I phoned Wakefield associates to dispute the claim they did not mark it as disputed instead they increased the amount owed so it looked distinct from the first debt they placed on my report.
Consumer complaint received 2022-07-27
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is 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 remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00}.
Consumer complaint received 2022-02-17
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. (GA)

I XXXX XXXX checked my credit report and i noticed some fraudulent and inaccurate accounts on my credit report. I then proceeded to reach out to the credit reporting agencies to seek remedy of the situation but would not help me correct these fraudulent an inaccurate accounts. 
1.XXXX  account # XXXX date open : XX/XX/XXXX balance : {$440.00} 2. XXXX XXXX account # XXXX date open : XX/XX/XXXX balance : {$320.00} 3.XXXX XXXX  ( original creditor:XXXX XXXX account # XXXX date open : XX/XX/XXXX 4. XXXX XXXX ( original creditor:XXXX XXXX ) account XXXX XXXX date opened : XX/XX/XXXX balance : {$100.00} 5. XXXX XXXX ( original creditor : XXXX  ) account # XXXX date opened:XXXX balanced : {$380.00}
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE '' PayPal closed my account for no reason and will not help me to get it back up and going. I am not sure if this is some mistake as I assume it has to be. I currently have more than XXXX XXXX dollars in the account, and they won't let me take them out. They sent me a message saying they are holding my funds for 180 days. 

I have messaged them often and tried to call their customer service line several times, but all I get to is a recording saying, " we can't help you over the phone. '' I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing their job correctly, and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Thanks XXXX
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

Dir Sirs, In response to my previous complaint letter, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019, one of the Chase Bank representatives contacted me by phone. He asked me a number of identifying questions, which I answered to his satisfaction, to be sure of my identity. He informed me that I would shortly receive an answer to my complaint. 
The letter I subsequently received included the following statement, " Please contact us directly at XXXX so we can verify you. We have notated your account so we can make another attempt to verify you. 
I called the number as asked, and attempted to verify myself. I was told by the representatives, first by XXXX, and then by his supervisor XXXX, that they can not verify by phone, because I do not have a social security number. 
Im sure you can understand that this is both very vexing and surprising. It was known that I am not in the U.S.,  nor do a have a Social Security number, yet their suggestion to solve my problem was to call to be verified. 
As my account is paperless, my only access to it was via my online access. For all practical purposes I am severely restricted. I cant even know my account balance! 
Im sure you understand that asking me to fly from XXXX to the U.S. is an untenable request. I urgently need your assistance and intervention. How can this be resolved? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tel : XXXX
Consumer complaint received 2018-07-09
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. (NV)

XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-07-15
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. (GA)

I am sending a complaint to notify you about my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following information on the credit report is incorrect. I respectfully request that Credit Bureaus must take a step to update the wrong accounts from my report. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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: DISCOVER BANK (MI)

My identity has been stolen and Discover Card is part of that as I reported to the Federal Trade Commission this is going on for XXXX months now I sent everything I could send to them as evidence and they denied me XXXX on XX/XX/XXXX I received a letter from Discover Card saying I wanted to back out of the fraud charges that was a big LIE I never said that, as from the beginning the XXXX charges are Unauthorized Fraudulent charges and need to be taken care of the bank and myself are still waiting to hear from XXXX I believe you are as well its almost the 60 day mark and nobody has heard from them I sent paperwork to Discover that they requested they are still denying my claim now they lie on the letter and say I pulled the fraudulent charges against them which I did not but that's what they do I guess just like their false advertising on TV get a discover card today if there is fraudulent charges on your account we will remove them no questions asked that is a huge lie and very deceiving to consumers I think that commercial should be pulled from TV all I want Is charges to come off credit card i did not authorize them and they are fraudulent I Spoke to XXXX on XX/XX/XXXX they want more paperwork evidence I gave them what I have they want new there is nothing new waiting to hear from XXXX I'm trying to save my credit but when your identity is stolen you are treated as criminal very sad.
Consumer complaint received 2019-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (LA)

Nationwide Recovery Systems Has been reporting to the XXXX, that I owe a debt. 
I have disputed this account several times. Yet this company insists that this account belongs to me. 
This is inaccurate and has not been proven.

1.I NEVER received a letter of Debt.

2. I am unaware of this debt.

3. 
On XX/XX/2018, a certified letter was mailed to this company to verify this debt. 
I asked for reason for debt, signed contract, and calculations of amount owed. 
It has been 30 days, and I have not received a response. 
This letter was mailed to address reported on my credit file. 
This is wrongful reporting and against the law.
Consumer complaint received 2019-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

Convergent Outsourcing Debt collections : XXXX was primary cell company ; switched cell company i.e. XXXX. XXXX kept the cell phones that were leased from XXXX. I was not informed and I do not have the devices. XXXX refused to release the cell phones to XXXX. I have spent many months trying to resolve with no such luck. 3rd party collection agency threatened to take unwarranted legal action. I feel threatened and without recourse. 

Debt ID : XXXX - Date of collection : XX/XX/2018 - amount {$1000.00}
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2022-07-27
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint to delete the fraudulent account in my file that is reporting on Experian Credit Bureau. I am avictim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commission'sIdentityTheft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide with the exact sourcewhere you received such information, so I may take appropriate legal action
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (IL)

On XX/XX/2022 XXXX XXXX had sent a letter to me requesting that they needed an original statement of the bank account used to fund the security deposit. 
Since it has been close to 2 years I could not locate that information. 
The letter indicates if they do not receive an original statement of the bank account used to fund the security deposit account they will then close down my account. 
On XXXX XXXX. XXXX XXXX closed my account. 
I have a {$2000.00} security deposit. 
Customer service said it could take over 13 weeks to get my security deposit back. 
The account is paid in full and I am concerned that I will not get back my security deposit. 
A derogatory mark could land on my credit report
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, 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 information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-08-23
Product: Credit reporting, credit repair services, 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. (PA)

Greetings I have initiated a dispute with EXPERIAN to remove an unauthorized Inquiry they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my  EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-27
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. (SC)

Upon reviewing my updates, the incorrect information was still found 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/XXXX,, 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 information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX