davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accounts Receivable Consultants Inc. (TX)

This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. 
XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. 
We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

I have contacted this company and patiently awaited replies only to receive nothing. They have on my credit report listed " XXXX '' inquiries. XXXX? That is more than 3 a month on average. I work in the XXXX room and i am not even off enough during the months to do such a thing. I am sick and tired of my husbands ex wife being able to run my credit without anything happening. I am going to paste a list of inquiries that are fraudulent and i would like them removed. I am in the process of seeking legal action against the person responsible but in the meantime i want equifax to realize these are fraudulent inquiries i mean i do n't have that many accounts on my credit report and the ones i do are shared with my husband. Please remove these fraudulent inquiries. 

Name of Company Date of Inquiry XXXX XXXX BANK Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX BANK Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2016-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First Credit Services Inc. (GA)

The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. 

XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. 

I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. 

Thank you.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I have written 4 times along with police report and proof of ID Drivers License and State ID and My passport proving I was out of the country for 3 yrs. I have a few Incorrect address on my reports. and all was due to Fraud. also they credit reporting agency has refused to remove. they also has refused to remove over XXXX inquires in XXXX year! in the same month. It 's fraud. I also wrote the companies who made the inquire and they have refused to respond. even with the police report. 

The addresses is XXXX XXXX XXXX XXXX XXXX Il XXXX And XXXX XXXX XXXX XXXX XXXX Il XXXX Its even more on my other Reports. 
And the inquires as follow 1. XXXX XXXX via XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX and XXXX 9.XXXX Bank Delaware 10.XXXX 11.XXXX 12.XXXX XXXX 13. XXXX XXXX XXXX 14.XXXX XXXX 15. XXXX 16XXXX XXXX 17.XXXX XXXX These Inquires was made all in one month, I contacted each company and credit burials also gave them copies of all my ID 's and they still refused to help XXXX, Equifax and XXXX. all let me down.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Also I need a copy of the original contract. following account ( XXXX XXXX XXXX ) is reporting a balance of ( {$1200.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$1200.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CO)

Macys is charging me {$2.00} per month on account with a zero balance. Violates undue enrichment laws. Attempts to rectify or even get a response other than " oh sorry, you should call us '' and zero responses to emails. Have joined class action process at XXXX Macys is also reporting this paid off account on all credit reporting sites as " delinquent '', negatively affecting my credit scores.
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: First Data Corporation (MA)

TeleCheck doing business as TRS RECOVERY SERVICES, INC attempted to collect money for the following fraudulent charges. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$33.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$58.00}. 

I am disputing fraudulent charges using my name, for checks written from XXXX in the amount of {$23.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX, 2014 Reference Number XXXX for a total of {$48.00}. 

I called XXXX the bank where the the checks would have been issued from and there was no record of a checking account in my name.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In XX/XX/year>, I reached out to XXXX, Equifax, and XXXX to dispute inaccurate information on my consumer report. Unfortunately, there has been little to no action taken to address these issues, and the investigation appears to have been incomplete. The inaccuracies on my report remain unresolved, and according to the law, they should be deleted immediately. I also filed a report with the FTC, but no further action has been taken.
Consumer complaint received 2024-08-13
Product: Credit reporting 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. (WA)

I recently reviewed my credit report and noticed the following inquiries that I did not authorize : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

In XXXX I had requested that false information be deleted off my credit report regarding Equifax and XXXX XXXXXXXX XXXX. Equifax stated that the debt was verified by the XXXX, but I still have not got the steps that was taken to validate this debt. I still havent seen a original contract validating this is my debt also havent been provided with the investigation steps or measures that were taken to to make sure this debt is validated.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MS)

I have been a victim of identity theft in 2002 once i been came XXXX. My purse was stolen that had mi bank account information, social society card, birth certificate, driving licence,. I file police report and close my bank. It have been many many checks written out in my name and number loans, cell phones account been open in my name, cable bills in my name student loans XXXX my name. All items are unpaid and on my credit report and under my driving licence. I have contact all XXXX credit bureaus along a credit repair XXXX law firm and ask all XXXX credit bureaus ro remove all negative items off my credit report. They have yet to remove items. Saying all items was mines. So ask someone please ask them to remove these items. Some items been over the seven year time frame. They have my credit horrible saying thing like i have charge off account and account not paid as agreed. I 'm XXXX years old XXXX mother and i ca n't get anything for the things that on my credit report that not mines.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

I received an offer from Citi Bank. The offer stated that if I opened a new Citi Gold Checking account and used their bill pay function on the account for two consecutive months then I would receive a promotional offer. The promotional offer was for XXXX thank you points. I signed up for the new account and I met all of the requirements to get the bonus offer. I also sent them XXXX direct messages on their website asking them if I had done everything I needed to do to get the offer. They assured me XXXX times that I had met all the requirements and that I would be receiving the XXXX thank you points within 90 days. I waited 90 days and I never received the points. I just contacted them again and now they are saying they are not going to give me the XXXX thank you points like they promised they would.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.