davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (ID)

This complaint is against Experian, i first contacted Experian about a report on my credit report from   XXXX   XXXX  , i ask Experian to provide me with me a " copy of any visible evidence bearing my signature '' the date of my first request was  XXXX / XXXX /  XXXX   my second request asking for the same information due that my first request was ignored ...  XXXX / XXXX /  XXXX     XXXX   acct #  XXXX  {$680.00}.   Experian was also asked to include FCR A 623 ( a ) ( c )  : This law is very similar to the FDCPA above it requires the credit bureau to report that you have disputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report '' Experian ignore this request both time ... below the copy of the letter sent to Experian but cert mail with return recite requested ...      XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  Experian.     XXXX   XXXX      XXXX  Tx.  XXXX   XXXX / XXXX /  XXXX    XXXX  : Social Security Number  XXXX  To Whom it  May  Concern : I have recently been informed that there is negative information reported by  XXXX    XXXX   XXXX   XXXX      XXXX , OR  XXXX  (  XXXX  )  XXXX  Account  Number  XXXX  ....   I am unaware of this acct. and have disputed two-time without you showing me proof " only hearsay '' Please validate this information with above creditor and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act sectio n 623 ( a ) ( 3 ), and  I am keeping careful record of your actions Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue  local to me, in order to formally defend yourself.   My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX  Idaho  XXXX  SS #  XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    PS FCRA 623 ( a ) ( c ) : This law is very similar to the FDCPA above it requires the credit bureau to report that you have d isputed something on your credit report, after you have contacted them directly. They will need to add the dispute sentence to your credit report.   " customer has disputed something on your credit report ''
Consumer complaint received 2024-09-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Dear CFPB, I am writing to dispute incorrect personal information on my credit report. The names [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] and addresses [ 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 XXXXXXXX ]. The following employers [ XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MECHANICS BANK (CA)

I opened my Bank account at Mechanics bank in XXXX California on XXXX, XXXX XXXX. When I opened my account I signed a form titled XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) under the false pretense that any charges on my card would be declined if my account had insufficient funds. I went to my bank today, XX/XX/XXXX to make a deposit. I was informed that my account was closed due to overdraft issues. I have no reason to trust any banks at this point, I am seriously impacted by this deceptive behavior from a financial institution. Please help me.
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

I noticed a fraudulent collection account on my credit report in  XXXX . So I contacted the credit bureaus and they said they would take it off.      XXXX   XXXX , I check my credit, due to all the hacking reports on the TV news, I see this fraudulent account is still showing on my credit reports.      Medical Data Systems Inc.  Account Number  XXXX . For {$13000.00}.  Original Creditor   XXXX   XXXX  Hospital. This hospital is located in  XXXX  SC where I was born and raised. I moved from  XXXX  SC in  XXXX  and have not returned, which is 14 years ago. So how does  Medical Data   Systems Inc.  have a collection account on my credit reports from  XXXX ? I have n't been in  XXXX  SC since  XXXX , which is 14 years.     So how ca n Medical Data Systems Inc, p ut a {$13000.00} collection account on my credit report from  XXXX , if I have not been in that city and state in 14 years? I moved from  XXXX  SC in  XXXX  and have not returned.     I am very upset about this ! Medical Data Systems h as tarnished my name and violated my rights, by putting a fraudulent medical collection account on my credit reports.     Again, I moved from  XXXX  SC in  XXXX  and have n't returned or visited.     I wan t Medical Data Systems Inc t o remove this fraudulent collection account from my credit file. I want  Medical Data Systems Inc t o be fined and reprimanded for putting fraudulent information on my credit report.     I just do n't understand why they would do this. It makes no sense.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I recently became aware of a checking account ( account ending in XXXX ) allegedly opened with USAA Federal Savings Bank in XX/XX/XXXX. However, I have no knowledge of ever opening this account or authorizing anyone to open it on my behalf. USAA claims that they received a signature card on XX/XX/XXXX, which supposedly confirms my acceptance of the Depository Agreement and Disclosures ( DAD ). I did not sign any such card, nor did I ever agree to the terms of this account. 

USAA states that the account became overdrawn and was charged off with a negative balance of {$5000.00} on XX/XX/XXXX. They also claim that further transactions were made after the account was charged off, increasing the balance to {$11000.00}. I was not aware of this account, had no involvement with these transactions, and did not receive any notifications at the time. 

On XX/XX/XXXX, USAA closed the account due to the outstanding balance, and they have now stated that I am ineligible to open a new account with them. I dispute the ownership of this account and the legitimacy of any debts associated with it. 

I am requesting that USAA provide concrete proof that I opened this account, including the signed signature card they claim to have on file, as well as any other documentation linking me to this account. If they can not provide this proof, I request that they clear any records or reports connected to this account and remove any associated debts. 

Furthermore, I request confirmation that they have not reported this account to XXXX, XXXX XXXX XXXX, or any other consumer reporting agencies, as this may be negatively affecting my ability to open accounts with other financial institutions.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX, I purchased XXXX XXXX. However, I did it without knowing I was able to fully commit due to health concerns. 

I made the initial dispute on XX/XX/year> after trying to resolve the issue with the merchant through email on XX/XX/year>. They refused to refund me even though I never used their product or started the workshop. 

On XX/XX/year> Citi bank completed their investigation and say I the customer am responsible. This is completely unfair. 

The amount is XXXX $ This is a huge amount of money wasted in this economy over something I NEVER USED. 

I do not want this claim to affect my credit score.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

I am getting phone calls from a number saying they are taking care of a legal matter on behalf of TD Bank. Supposedly I was an owner of an account bank in XXXX or XXXX wasn't able to understand caller. They are saying they work for the courts and that the account was over drawn XXXX XXXX and something dollars. They are saying it is now considered fraud. I asked for a letter on a letterhead to be sent to me and she said she couldn't. I have never been a TD bank account holder. She also already had my full social security number and address. 
The phone number that is calling me is XXXX. They leave no business name just saying they are calling form the courts. 
Thye are now also calling my brother and leaving him messages as well.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report which I have NO knowledge of nor did I sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. This account has been furnished WITHOUT my permission or authorization. All is currently being fully investigated by the FTC.
Consumer complaint received 2024-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. 
THE COLLECTION- ( FAIR COLLECTION & OUT ) XXXX DELETE FROM ALL XXXX XXXX, XXXX AND XXXX
Consumer complaint received 2024-09-10
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. (NV)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIME VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found on my credit report is not related to any transaction that I made. I am alleging that a person or company without my permission or authorization used my personal info to apply for goods, services or money and was successful in creating some accounts. All is currently being investigated by the FTC.
Consumer complaint received 2024-08-27
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!!

Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-10-23
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: Synovus Bank (TX)

I am writing regarding a debt that you claim I owe, referenced by the account number [ Account Number ]. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide validation of this debt. Please consider this letter a request for proof of the debt in question.

Specifically, I request the following information : The amount of the debt : A complete breakdown, including all fees, interest, and any other charges.

The original creditor : Documentation showing the name and contact information of the original creditor.

Proof of your legal authority to collect the debt : Copies of any agreements or contracts that confirm your authority to collect this debt.

Verification of my liability : Proof that I am the person responsible for this debt, including documentation of my agreement or signature on any relevant contracts.

Please understand that until I receive the requested information, I do not acknowledge or accept responsibility for this debt, and I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, until validation is provided.

If you are unable to validate the debt, I expect that you will remove this debt from my credit report and cease all collection efforts immediately.

Please send your response to me at the above address within 30 days of receiving this letter.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-09
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. (OR)

I just got done cleaning up my bureau report with Transition yet I found and unauthorized inquiry from some XXXX  that was pulled an XX/XX/2023.. I never applied for any services with this bank and I notified Tranunion of false inquiry that ia causing harm to my credit bureau report they refuse to remove.. I do not never have any account with this XXXX and this is misinformation that XXXX is refusing to remove ..I need the CFPB to step in and apply legal means for forcing law on unauthorized inquiry that XXXX is allowing harm by refusal to remove
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (PA)

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ( Remove all Inquiries ) - 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
Consumer complaint received 2024-09-10
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)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX ( XX/XX/year> ) Dear CFPD, I am writing to dispute incorrect personal information on my credit report. The names and addresses listed do not belong to me. Please investigate these inaccuracies and remove them from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-30
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.