davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I was notified by I.C. Systems, Inc., a debt collections company, on XX/XX/2022 via mail regarding an alleged debt. I have reason to believe I do not owe this debt because it the result of an unauthorized balanced billing, pursuant to Florida Law Section 559.72 ( 9 ). I contest that this debt is legally without merit and name XXXX XXXX XXXX XXXX and I.C. Systems, Inc. in this complaint. 

XXXX XXXX XXXX XXXX has fraudulently reported the provider non billable amount to this collections agency, disregarding the negotiated fees between the Preferred Provider and the PPO. According to documentation provided by XXXX XXXX XXXX XXXX, who was in network with XXXX XXXX XXXX XXXX during the date of service and used their pay schedule, the patient responsibility for services rendered is {$2600.00} and the provider non billable amount is {$1000.00}. The patient has already satisfied their patient responsibility of {$2600.00}, having paid a total of {$2700.00} to XXXX XXXX XXXX XXXX, as reflected in their previous contractual payment plan. Please reference the supporting documentation that reflects the information stated above. As a result, XXXX XXXX XXXX XXXX has fraudulently reported this debt and I.C. Systems, Inc. is attempting to collect a debt that is not my responsibility. 

I have attempted multiple times to resolve this with the provider, however they are falsely claiming they are out of network with my insurance agency and have threatened to send the 'unpaid balance ' to collections multiple times. XXXX XXXX XXXX has denied these claims as they did not receive sufficient information from the provider. Both the provider and myself have sent multiple appeals to XXXX XXXX XXXX, however, XXXX XXXX has informed the provider multiple times that they need new and additional information in order to process the claim. The provider failed to provide new information and I had to submit two separate claims to the XXXX XXXX on behalf of the provider. Ultimately, the insurance company did not process the claim and the provider sent the non-billable amount to debt collections. 

I fear that XXXX XXXX XXXX XXXX is taking advantage of patients and not acting in good faith when attempting to bill insurance and process claims in a timely fashion and I.C. Systems, Inc. is complacent. Instead, they are using balance billing and the threat of debt collections agencies to intimidate patients into paying what insurance does not. This is a scare tactic that is unethical and should be looked into further as it is a fraudulent procedure. 

Please see supporting documentation attached
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ALLY FINANCIAL INC. (FL)

The complainant was fraudulently charged ( {$100.00} ) for event tickets by XXXX XXXX on Thursday, XX/XX/XXXX. Ally Bank uses XXXX to process payments. I sent the electronic funds via XXXX at XXXX EST on XX/XX/XXXX. When the seller of the event tickets failed to send the tickets, I immediately notified XXXX who stated I needed to follow up with my financial institution ( Ally Bank ). I immediately notified Ally Bank via chat and was told to call and file a case. While on hold with Ally Bank I disputed the transaction on the Ally Website. 

Unfortunately, the Ally Bank phone system ( XXXX ) only directs the consumer to the vehicle loan division and does not properly route callers to the Ally XXXX Bank division. I was hindered in my interaction with Ally Bank due to the limitation of their phone system. 

I did dispute the transaction via the Ally Bank website and without notice, discovered the dispute was closed without any follow up or written communication. 

Attached is the chat log with Ally Bank representatives. 

XXXX - XXXX XXXX ( XXXX ) Email - XXXX XXXX
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Duncan Solutions, lnc. (TX)

They keep texting me without my permission. 

XXXX XXXX needs to pay me for the cost of the texts and my time otherwise I'll be filing a complaint at XXXX Professional Account Management LLC already stated in their written response of CFPB complaint XXXX that they did not have permission to text the cell phone number. They are not removing the automated texting of all their users.
Consumer complaint received 2022-04-06
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

We consolidated our Student Loans into a spousal consolidation many, many years ago. We have been faithfully paying on them ever since. We did not originally qualify for PSLF because we were not under an income-based repayment plan. Since that condition has been lifted, now we STILL do not qualify because our loans can not be refinanced into a Direct loan because of our spousal consolidation into a FFEL loan. My husband and I both would qualify individually -- he has been working for a non-profit for 23 years, and I have for almost 11. But, because of our consolidation before PSLF was even begun, we do not qualify.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (CA)

After receiving my credit report, I noticed inaccurate information being reported on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to Equifax, XXXX, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against Equifax, XXXX, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.
Consumer complaint received 2022-04-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (MN)

Spire Recover Solutions is a debt collection company. They contacted me via email which was filtered as spam. Never once did they send me a letter via mail or contact me via phone. On XX/XX/2022 they contacted me by phone foe the first time. Less than an hour later they began contacting former school classmates and people who had no current association with me claiming they were calling from the SRS Office in regards to me. This is completely unacceptable, illegal, and immoral behavior. Do you have any idea how mortifying it is to have someone you haven't spoken to in years contact you to ask if you gave his number to a debt collection agency? I never even had a chance to return their call before they were broadcasting to the world I had a debt. When I did attempt to return their call, they did not answer multiple times.
Consumer complaint received 2022-10-21
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

this is again regarding " lonecare Mortgage ( XXXX XXXX XXXX XXXX  XXXX VA.XXXX  ) after the last complaint I filed some of the mistakes made by L/C were resolved, however the letter they sent me stating this is a written conformation we have received notice of error from XXXX, and if you have questions please contact Mortgage resolution unit XXXX ex XXXX sincerely XXXX XXXX XXXX XXXX so I called her 8 times left 4 messages to please return my call with no response so I called their home base # talked to whoever? told her the situation that I hadn't got a call back and could she please see what she could do and she said she would and call me back, that hasn't happened either. this has been since XX/XX/XXXX. The sad part of this situation is if they had not taken out two mortgage payments, that was made in last XXXX one made by their mistake the other I made as my regular monthly payment that started a chain reaction of nothing but pure XXXX for my wife and me, if they would just put the payment, they messed me up on at the end of the loan all could be solved so " no foul no harm '' they still expect me to make two payments they say to make the loan right, this isn't fair as I did exactly as the loan payment I signed to made monthly was done last XXXX. I don't know how much more stress I can take from these people
Consumer complaint received 2022-04-06
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. (OH)

XXXX Equifax and XXXX need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (NY)

I have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXX XXXX yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.
Consumer complaint received 2022-10-21
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. (FL)

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section XXXX681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/22 XXXX was drafted out of my account for my home refinance appraisal. XXXX XXXX ID # XXXX the mortgage broker stated if I didn't get approved my money would be returned. Now when I call him my calls are sent to voicemail or I will receive a text.
Consumer complaint received 2022-04-06
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions
Consumer complaint received 2022-04-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kashia Services (FL)

My employer received an wage assignment via fax on XX/XX/22 that they were to start garnishing my wages within 10 days to pay off {$690.00}. I was notified by my employer and sent a copy of the notice on XX/XX/22 that they would start garnishing up to 15 % of my wages beginning on my XX/XX/22 check. The wage assignment faxed to my employer did NOT have my correct work location but had one that is closest to my home. I contacted XXXX XXXX who was the company who sent the wage assignment and asked why I hadn't received anything via USPS prior to the wage assignment being sent to my employer and that I want something in writing via USPS and verification I owe this debt. They stated they sent it via email prior to the wage assignment which I never received. I asked if they had a judgement and they stated they didn't need one. On my XX/XX/XXXX check, an additional {$200.00} of wages exceeding the amount they stated I owed had been garnished from my check and have not been returned to me. The final amount should have been {$55.00}. I have contacted the company several times and was told they would refund the {$200.00} to my employer which has not yet been received. I made my final attempt to collect my refund on XX/XX/22 and was told they process refunds on the XXXX and XXXX of the month which was never disclosed in any previous conversation when I asked about the overpayments and when/how they would be returned to me.
Consumer complaint received 2022-10-21
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. (PA)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. Please provide documentation bearing my signature of these accounts. Delete these records if can not be verified. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK (CA)

I am the spouse of the primary holder of a Discover credit card. I am an authorized user and for many years have managed the business of this account. Discover Card has written authorization from my wife and primary holder, on this account. However, Discover refuses to allow me to be a " joint holder '' because of " insufficient income ''. Not being a joint holder locks me out of important business matters regarding this account. This seems incredibly arbitrary and discriminatory to me. This has been on ongoing problem with Discover and recently has caused problems with the management and fees for this account.
Consumer complaint received 2022-10-21
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: Affirm Holdings, Inc (OR)

I received an email XX/XX/2022 from Affirm with a subject line that read, " Your loan for your XXXX purchase is approved! '' and this loan was for {$220.00}. Then I received another email the following day with a subject line that read, " Your loan for your XXXX purchase is approved! ", XX/XX/2022 and this loan was for {$370.00}. At this point I did not have an affirm account whatsoever and never requested a loan from them for any amount let alone 2 separate ones. 

On XX/XX/XXXX I received an email with the subject line, " You've enabled XXXX! '' then in the email, they said XXXX was enabled through a bank account that has been closed now for over 5 years. In trying to report this fraud and let them know I absolutely did not request a loan or make a purchase for any amount through them ; they told me I needed to create an account with Affirm to dispute this. I did this and then reported this unauthorized activity and they told me they would look into it. I then received a response stating that they believed I made the purchases and was responsible for the balances. I still have not received any goods or services from these fraudulent transactions and have no idea what these loan amounts were for. There is also no record of it being made by me whatsoever in my XXXX orders history. 

I am working on rebuilding my credit and am feeling very frustrated that these unauthorized purchases/ charges are in my name when I had no part in making them whatsoever.
Consumer complaint received 2021-06-10
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. (WA)

EquiFax said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : XXXX XXXX XXXXXXXX EquiFax Mortgage Informative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX