davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/XXXX, I opened a new " XXXX XXXX Credit Card '' credit card with XXXX XXXX. 
On XX/XX/XXXX, I was notified that the XXXX XXXX card would be replaced with a TD Cash Credit Card. 
On XX/XX/XXXX, I received and activated the new TD Cash Credit Card. 
On Friday, XX/XX/XXXX I received a letter in the mail indicating my TD Cash Credit Card account has been closed due to inactivity. 
On Friday, XX/XX/XXXX I called TD Bank immediately at XXXX and requested my account be reopened. 
Two representatives informed me the account could not be reopened due to TD Bank policy. 
A " floor supervisor '' named XXXX explained that notices were mailed to me warning of the inactivity and upcoming account closure. I have never received any such notices. XXXX and I confirmed the mailing address on the account is correct. 
XXXX could not explain why I did not receive any notices about the inactivity. 
I was not informed of TD Bank 's policy as it relates to inactive accounts.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan Motor Acceptance Corporation continues to report a " delinquent '' account on my credit report. This account was included in my husband 's bankruptcy which was discharged on XX/XX/2018. Copy attached. Per Arizona law, spouse debts are included in the bankruptcy even if only one spouse files and are discharged as well ( marital property ). Motor Acceptance Corporation has responded to CFPB ( Case No XXXX ) and myself that they do have a debt against me separately. This is not true and unlawful. They have removed the account completely from my husband 's report and should do same for my credit report immediately.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT After reviewing my consumer report your corporation is acting on the behalf of a debt collector attempting to collect an alleged debt. I am demanding that these late payments be removed from my consumer report as they have been furnished without my consent. 

In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation I demand deletion of these accounts from my consumer report and if I am not taken serious I will invoice and take this too a federal matter Sincerely, XXXX : XXXX, Beneficiary.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit report.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2021, I consumer XXXX XXXX sent BARCLAYS US a cease and desist letter demanding they stop the infringement upon my intellectual property rights. BARCLAYS has threatened and harassed me to make a payment on this alleged debt. They threatened that my intellectual property would be closed and the account would be charged off, which is a violation of the FDCPA. I am demanding BARCLAYS to stop the willful infringement upon my rights. BARCLAYS also closed this account, that I opened, against my will and without my permission, which is a violation of the ECOA.
Consumer complaint received 2023-04-03
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC 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 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Amsher Collection Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-01-21
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: Santander Consumer USA Holdings Inc. (FL)

This account is in litigation. Ive already filed complaint with attorney general. Im now reaching out to cfpb because Santander is continuing to report this account even though Im apart of settlement. I filed complaint previously to cfpb which includes complaint number. Santander admits they have no info on this account!! Yet theyve repeatedly validated it to XXXX and XXXX. I also noticed that this has been a common problem with Santander and there is a current lawsuit with cfpb. Please assist me in resolving my concern. Once Again Ive attached documents
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have attempted several times to update my person information with Experian. After being told an address that has never belonged to me could not be disputed. I have been blocked from disputing anything with experian online which violates the Fair Credit Reporting Act. The address that do not belong to me or has never belonged to me is XXXX XXXX XXXX XXXX, TN XXXX. I would like this address removed from my credit report. If Experian does not remove this address I would like supporting documentation of reasoning and proof of a verified investigation.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS National Services Inc., for committing identity theft. I have never given ARS National Services any permission to use my Identity information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam aware that in accordance with Article 9, the assignme

nt of a defaulted note is illegal. Both the assignee and the Assigned are both liable for violations under 15 U.S.Code subsections 1692e ( 12 ). I have not validated any alleged debt with ARS National Services In
c. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2023 I have not received any documentary evidence, such as a trilateral Contract, giving ARS National Services Inc any right to collect on this alleged debt.

I have never received any documentation requesting validation from ARS National Services Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ). Which the FTC defines as debt parking. If ARS National INC. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. The consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
Iam legally18 refusing to pay this debt pursuant to 1692c ( c. ) I am demanding a Cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS National Services Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and ARS National INC., continues its collections efforts, I will file for litigation for actual damages caused and ARS National Services INC. will be held criminally liable for aggravated identity theft pursuant to 18 U.S.CODE 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202 f.

Your prompt attention and response are both requested and required.ARS National Services Inc. # XXXX
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MA)

Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management reported a " late payment, collection account '' when in fact this account was acknowledged via CFPB last year and cleared by collection company at the time. This account was discharged via my husband 's bankruptcy on XX/XX/18. No new information or collection should be added to my credit report at this time causing a decrease in credit score. XXXX XXXX is attached. In the state of Arizona, spouse debts when included in the BK are discharged as part of " marital property ''.
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: EQUIFAX, INC. (GA)

Since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, I have not been getting the inaccuracies, incomplete, and misreported data corrected despite all the hard work of sending certified mail, losing time and money due to Equifax deliberate scheme to willful non-compliance. On XX/XX/XXXX Equifax received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail XXXX. On XX/XX/XXXX, Equifax confirms receipt of all my documents to support my legal identity. Equifax is not abiding by the laws of the FCRA. I called Equifax on XX/XX/XXXX and spoke to agent XXXX and advised that the ongoing inaccuracies I found on my consumer reportof the student loans and personal data has been negatively affecting me. Agent of Equifax stated there is nothing can be done as she stated all data is only good for 90 days. when I sent disputes Equifax has totally ignored me so that is the reason am requesting your office to assist me with this ongoing issue with Equifax. This whole experience has caused me significant emotional stress, anxiety, sleeplessness, injured my credit reputation, denial of credit, financial hardship, and loss of time.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX balance reported wrong both inquiries with XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX does'nt belongs to me. I've asked for these to be removed and you all refused.
Consumer complaint received 2022-09-29
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; US DEPT ED XXXX XXXX : {$0.00} ; US DEPT ED XXXX Balance XXXX {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

Ive noticed some hard inquiries on my account that I did not apply for or give nobody permission or authorize anyone to do I have never apply for A JPMCB card Service or know what that is and its on my credit report as a heart inquiry
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (FL)

My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX  : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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-Equifax 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 XXXXEquifax XXXX XXXX XXXX-Equifax 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 XXXXEquifax 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LJ Ross Associates (TX)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me