davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems has not validated the debt and the debt does not belong to me. Medical Date Systems is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems has not validated the debt and the debt does not belong to me.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (NY)

I leased a 2017 XXXX XXXX from US bank on XXXX XXXX. The lease was schedule to expire on XXXX XXXX. On XXXX XXXX car was stolen. the agreement provided that that I could purchase the car at the end of lease fpr XXXX. Due to theft of car I denied the opportunity to by the car. 
The insurance Company paid US Bank {$51.00} XXXX. I called US Bank to give me extra money {$18000.00} they received from insurance. 
As lease was expired on XXXX, and car was theft on XX/XX/XXXX, XXXX i was kept paying {$870.00}. I paid this amount, XXXX, XXXX, XXXX and XXXX, XXXX month. They sent me a check amounting {$1200.00}. ( without any calculation detail ) which is not a true retroactive payment of four months.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I have a XXXX credit card with TD Bank which had over {$2300.00} in fraudulent charges. I reported this fraud over the phone ( several times ) and was told on two occasions and told I would have to wait 90 days to get a response. The employees did not inform me that waiting 90 days for a response would eliminate my protections under federal law as any disputes must be made in writing within 60 days. It has been 27 days since I reported the fraud and I have yet to receive a case number. 

As such, I sent a certified letter disputing the charges, as the pattern of behavior seems to be to delay investigating such charges until I lose my right to be protected under federal law. It has been extremely hard to even contact anyone at the bank due to multiple hour hold times, I have been hung up on several times, and have had no luck getting in touch with someone who can address my concerns or provide me even with a case number. They do not show the charges as disputed in writing online or in any letter, nearly a month after reporting via the telephone. 

I believe that TD Bank is intentionally telling customers to wait 90 days via in order to ensure that a customer loses their federal protections against credit card fraud. This is pattern of behavior I have witnessed among their agents. They do not inform the customer who is calling on the phone that TD Bank has a policy that they do not have to take action on complaints made via telephone, and under federal law the customer has only 60 days after receiving their statement where they can file a written claim. They KNOW that a customer will lose all rights under the law and cardholder agreement to dispute fraudulent charges should the bank not launch an investigation or not find an outcome in their favor. 

Additionally, TD Bank ( and XXXX ) engage in deceptive advertising, saying that customers have " zero liability '' and that charges are refunded in **five** business days. In the fine print, this five day policy is discretionary. Visa and TD Bank also fail to inform consumers that they lose their protections against fraudulent charges under the law if they do not submit a written claim and only file a claim on the phone. 

I suggest the CFPB investigate these practices, I suspect that TD Bank uses this tactic to avoid their responsiblity to cover fraudulent charges under the law. There is nothing I can do as a single customer, but I have seen other reports of this behavior online. I hope that my complaint spurs some action into forcing more transparency and faster response times for card holders who have been the victim of fraud.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2022-09-29
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. (MD)

I am XXXX XXXX, and this complaint to the XXXX Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found inaccurate. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (SC)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Response to dipute DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address updated You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED US DEPT OF EDUCATION VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED DEPT OF ED / XXXX VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records. DEPT OF ED / XXXX DELETED US DEPT OF EDUCATION DELETED FAIR COLLECTIONS AND OUT DELETED Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 


I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following accounts are a result of Identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1800.00} XXXX {$1800.00} XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX ORIGINAL CREDITOR : XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 

XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-09-28
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)

Hi I am submitting this 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (AR)

I have recently sent a compliant of a unverified account from XXXX XXXX XXXX XXXX XXXXXXXX to the credit bureaus. I have already filed a request for proof of claim and affidavit. please see my attach documents. Please delete the above account at once.
Consumer complaint received 2023-03-29
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. (PA)

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 number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : US DEPT OF EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : 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 item of information, other than records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I am an XXXX, on XX/XX/2022 I paid for the sea delivery of potatoes from XXXX. Until now, my money is in the Bank of America ( hereinafter referred to as BOFA ) being checked for XXXX sanctions. 
On XX/XX/XXXX, I received a request to clarify the purpose of the payment, although I had previously specified it in detail. An invoice was also requested. 
I submitted the delivery documents, the money was not received. 
I canceled the payment, and still no money. 
I contacted BOFA, he told me to contact my bank. 
Sea transportation of potatoes is not subject to sanctions against XXXX, the delay in my payment with a detailed description of the destination is illegal. 
BOFA had active connections in XXXX with state banks, profited together with the XXXX  Government, and now actually also works for the XXXX regime by forcing XXXX not to deal with US dollars and switch to friendly currencies ( XXXX XXXX XXXX etc. ).
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In complaint XXXX, I mentioned that Bank of America closed out my account after I deposited a check ( issued by another Bank of America branch ) and reported me to the XXXX XXXX. The check is completely valid and it should be trivial for BoA to verify -- it's issued by them. In the letter describing that they closed my account they claimed that they will mail me a check of the amount my account balance, which I have never received. This was almost a year ago. Since then I have been trying to get my money back using their online banking, phone banking, and finally in XXXX, their branches. In XXXX I went to a BoA branch 3 times to get my money back to no avail. 

Not being able to get my money back for almost a year, I finally filed a complaint with FDIC, which forwarded the complaint to CFPB. Today I got a call from a Bank of America representative asking if it was me who filed the complaint with CFPB in a threatening tone. Please help me with this issue. Thank you.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at XXXX with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called XXXX and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me letters.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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, 15 USC 6802, 15 USC 1681b, 18USC 1028A. ACCT NAME : XXXX XXXX XXXX ACCT # XXXX. This account 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 a 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 item of information, other than records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX placed a balance and amount due on my credit report. There is no case open. There is no monthly payment and there is no amount due. This is an error and in violation of my rights. This account should be removed from all my credit reports.
Consumer complaint received 2022-09-28
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: AMERICAN EXPRESS COMPANY (SC)

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : AMERICAN EXPRESS Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights, 15 USC 1681 Section 602 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent. 
I have NOT given my consent to do so, I wrote a letter certified mail and received an email saying they are processing my " dispute '' I did tell them to dispute anything, I demanded a DELETION! 
Those accounts are INNACURATE, and I have DEMANDED Experian to delete the following accounts IMMEDIETALY : XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX  : {$10000.00} XXXX XXXX  XXXX : {$6500.00} XXXX : {$6300.00} XXXX XXXX XXXX : {$580.00}