davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (GA)

This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effectiveXX/XX/XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules.

I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2020-04-16
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TN)

Ally Bank continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (RI)

Hi. Ive notice a hard inquiry on my credit report that is dated XXXX XXXX. Its listed as SYNCB / national credit cards/ airlines Ive tried calling XXXX and other credit companies and havent gotten a response. Ive never opened that account nor have i done anything to get that account to appear on my credit. I used XXXX XXXX  to check my scores.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (NY)

Hello I disconnected my internet service from XXXX after the service had many issues and they kept increasing our bill significantly without prior notification. 
The agent confirmed verbally that our bill would be reduced to 1 day as we were one day into the billing cycle. They also confirmed we would be waved the equipment fee once we returned the equipment which we did. 
XXXX has not revised our bill and in fact, have send a higher-than-standard bill for the final monthly charge and equipment charge. Despite contacting them numerous times over the company chat ( their preferred method of communication ) they are yet to resolve the issue and have now sent a debt collector our way. 
We have screenshots of the agent from XXXX confirming on XX/XX/XXXX that our bill would be updated and yet this hasn't happened. 
Thanks, XXXX
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (VA)

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX, Account Name : 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: USForex Inc. (NY)

On XX/XX/2012, OFX, a company with address at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX, transferred {$22000.00} from my bank account to transfer the money overseas based on my request. 

After they took the money from my account, OFX inform me that they can not perform the money transfer due to some undisclosed compliance reason. When I request OFX to sent the money back to my bank, they again tell me that they can not do that due to some undisclosed compliance reason. OFX said I have to get my bank, XXXX XXXX XXXX to request the money be send back. I spent a month going to my bank branch and calling various department in XXXX only to be told that XXXX can not help me with this transaction. It is now over a month and I have no way to get my money back from OFX. I don't know if this is a scam that OFX run to keep my funds.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid 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: U.S. BANCORP (IL)

I am being dunned for a past due amount ( currently {$130.00} ) on a credit card account ( ending with XXXX ) that was closed on XX/XX/2021 at XXXX XXXX  CDT. All substantiated charges at that point were paid. What remained at that point were approximately {$77.00} worth of unsubstantiated charges ( i.e. no vendor, no product or service, no quantity, no transaction whatsoever ). I explained this to US Bank rep, XXXX, at the time. He confirmed during this conversation that the account would be closed, the unsubstantiated charges written-off, and a confirmation letter would be mailed. I received a confirmation letter from US Bank, dated XX/XX/2021, shortly thereafter. 

This all stemmed from a US Bank error in the transfer of my XXXX XXXX accounts to US Bank. In transferring my account -- without my knowledge or permission -- US Bank changed the account & routing number for my checking account in multiple automated payment records for multiple vendors. And they entered an invalid combination of account & routing number. 

This error occurred in late XXXX and was acknowledged belatedly by US Bank in a letter to me dated XX/XX/2021. 

Despite multiple calls trying to resolve this as well as a letter delivered by registered mail, I am receiving monthly bills with compounding fees & interest charges.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

I received a bill in the mail from Jefferson Capital Systems , LLC Collections on X/XX/17 to try and settle for a debt that was originally owned by XXXX XXXX XXXX ( original creditor ) that was reporting negatively on my credit reports with XXXX, XXXX, and XXXX. XXXX XXXX XXXX took this negatvie collection reporting off of my credit just recently. I have disputed this with XXXX XXXX XXXX before. I am a victim of identity theft and I do not recognize this alleged debt of {$460.00}, # : XXXX I am disputing the validity of this debt that Jefferson Capital now has and that I am a victim of identity theft. This alleged debt does not belong to me.
Consumer complaint received 2023-01-18
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX 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 2021-09-20
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. (NC)

In XXXX of this year I had two collections items added to my credit report. These items were reported to me on a Sunday. ( old hospital bills ) The following Monday these bills were paid in full. Needless to say these items hurt my credit score tremendously. this was very painful and embarrassing to say the least because I was in the process of buying my first home with my wife. I worked very hard to get my credit to where it needed to be costing me thousands of dollars. Only to have 50+ plus taken away from me overnight. This was all totally my fault and I accepted that. All that I could do was pay the account off and hope that the credit bureaus would restore my points immediately. XXXX did just that! They gave me all of my points back as soon as my accounts were reported to them as paid in full. Experian did acknowledge that the accounts were paid but did not and have not restored my points to this day. I have disputed this with them on more than one occasion yet they refuse to give me my 50+ points back. Needless to say that this affected my ability to qualify for my home. The mortgage lender told me that it was best that I be left off of the loan until I had this fixed. My wife demanded that I be put on the loan so therefore I was, but it hurt our rate and made our monthly payment go up roughly {$400.00} a month. Experian has basically told me to XXXX it up and that my score will go back up over time. I can not get an acceptable response from experian or anyone else for that matter as to why they will not restore my points. I want an explanation as to why and also want to know what can I do moving forward to get some type of closure because i do not intend to let this just be swept under the rug. If the debt was paid in full and XXXX restored my points immediately then why does experian not have to be do the same thing? I want to know who Experian has to answer to because its obviously not me.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Sect 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (PA)

Hi. 
I wanted to ask your company if there is anyway possible to help me remove a hard or soft inquiry that I mistakenly applied for the same Credit card I already have? I tapped the wrong option on the credit card account page, and I don't want it to show as a hard or soft inquiry. I already have too many Inquiries on my credit report. So I was hoping if there is anyway you can assist me in having this appearing on my credit report? I'd greatly appreciate it, if there is a chance to help me with this. I am a XXXX XXXX XXXX Veteran, if that would help me in anyway possible? And I am proud of my service to this Country and if I could do it again I would God Bless America and our Troops serving!!!
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Account name: 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 SECTION2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (NY)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There is no way for me to report on my credit report I am a victim of a governmental racketeering enterprise or prohibited personal practice. Pursuant to the 14th amendment, 42 USC 1988 ( a ), 18 USC 1964 and 5 USC 1221 ( g ) ( 1 ) ( A ) ( iandii ) and 5 USC 5596 for an admitted prohibited personnel practice pursuant to 5 USC 2302 or a governmental racketeering enterprise pursuant to The Florida RICO Act ( see attachment 18-1 case number 20- 1679 in and for the US Court of Appeals for the Federal Circuit ) I am entitled to {$40.00} XXXX and an Admiral retirement. I have intellectual property that is constitutionally mandated to be implemented that is designed to control hurricanes, global warming by controlling the temperature of the ocean, and make the oceans more prolific by nourishing phytoplankton with upwelling when it is needed most, and to control red tides.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

I had originally been contacted by debt collector AFNI about 4-5 years back for a debt of {$680.00} for XXXX XXXX XXXX internet service in XXXX XXXX. I have never resided in state of XXXX  and have lived in XXXX area my whole life. I communicated this to the debt collector and contacted XXXX XXXX as they had put a deragotary mark on my report which lowered my score. I filed a complaint and went through a two month process to have this removed from my report. Every year since this debt collector places this debt in collection on my report and I have to go through the same process over and over again. I have stopped contacting the debt colllector because they will not be reasonable and have opted to harrass me every year with a debt that is not mine.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (GA)

On XXXX XXXX I responded to a PNC promotion called " {$30.00} for 15 minutes '' here : https : //www.pnc.com/XXXX XXXX  On XXXX XXXX I received a call from XXXX XXXX. We set up an appointment for XXXX XXXX at XXXX. I mention the promotion, she is not familiar with it, so I email the link to her. I never receive a reply. 

On XXXX XXXX at XXXX, while I am stuck in traffic driving to this appointment, I receive a call from XXXX to tell me that they have cancelled the {$30.00} promotion early and wo n't be honoring it. I cancel our meeting.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (TX)

I recently sent a letter to XXXX to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : *Pay off Disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Police XXXX / Account # XXXX XXXX. XXXX XXXX Bank XXXX XXXX Account XXXX XXXX ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc. (CO)

Received one notice of collection XX/XX/XXXX, called XX/XX/XXXX left message confining debt paid, call original creditor to confirm the same. XX/XX/XXXX received summons called attorneys office, they referred me to the collections office. Called collections office and creditors office, emailed original creditor they confirmed payment was made and the collections account would be recalled. However, on XX/XX/XXXX a new amount was entered to the reporting agencies. A new email was also sent on XX/XX/XXXX.
Consumer complaint received 2021-04-03
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. (FL)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I have reached out to these organizations for more information and to pinpoint where these fraudulent items came about and they can not provide me information. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report and a copy of my current driver license with this complaint. Please review.
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

The debt that LVNV Funding LLC is trying to collect is not mine. I was never notified prior to this year about it. I had closed my account with them in earlier XXXX. I was never notified about the debt till XXXX of XXXX. The debt is {$660.00}, and I wasn't notified of this debt. This collection was added to my credit report without my consent. The company they are collecting for is XXXX XXXX. I called early XX/XX/XXXX to close that account and made my last payment. They said my account would be closed. That was the last time I talked to that company. Then XXXX of this year I was notified that I owed them money for an account I know I closed.