davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc. (NY)

I was living abroad during the period of XX/XX/XXXX- XX/XX/XXXX as an expat. Upon repatriating, I found that my credit score was severely affected due to a number of fraudulent accounts reported under my name. I disputed those accounts and was able to have them removed except the one reported by " Harvest Associate Inc. '', which is shown as in collection, with the original creditor listed as " XXXX XXXX XXXX '', a hospital XXXX XXXXXXXX that I have never visited in my entire life, let alone during the reported year of XXXX, where I was physically living in XXXX / XXXX. There is simply no possible way that I could rack up a medical bill when I was on a different continent!! 

I was able to successfully dispute this account with XXXX. However, XXXX insists that the record from Harvest Associate Inc. is correct, without conducting any actual investigation. " Harvest Associate Inc. '' also insists that the collection account is definitively mine, even though they could not provide any definitive proof ( they could not have because, again, I was not physically in the country when the medical cost was incurred ). 

This record has negatively affected my ability to secure an apartment lease when I first moved back to the US. After multiple disputes, both XXXX and Harvest Associate Inc. still insist on upholding their false claims. Now it's affecting my chances of getting a mortgage for my new home.
Consumer complaint received 2023-09-17
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: EQUIFAX, INC. (MD)

I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that Equifax, XXXX, and XXXX, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.
Consumer complaint received 2024-05-17
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)

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. 
LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$2100.00} XXXX - XXXX {$1100.00} XXXX XXXX - XXXX {$1100.00} XXXX - XXXX {$1500.00} XXXX - XXXX {$220.00} XXXX XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$390.00} XXXX XXXX - XXXX {$580.00} XXXX XXXX - XXXX {$1500.00}
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

in XXXX and XXXX Comenity Bank and Victooria secret post late payment on my credit profile. I called the company and asked why was it posted on my credit profile without my permisson. I asked that they send me legitimate document from me giving thme permission to furnish this type of personal info to other who are not privy to it. they said that they didnt have to becuase its on the staement. I asked if it was a statement that they sent and they said yes, I said a billing staemment isnt authorization from me to allow them to see that information. that is personal and private and my rights under the FCRA Their violations include 15 USC 1681a Definitions, rules of construction 15USC 1681s2 Responsibilities of Furnishers of Informatiion to Consumer reporting agencies 15USC 1681 2 ( a ) ( i ) Exclusions
Consumer complaint received 2023-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2022 I disputed a charge due to being mistreated and abused by a company XXXX XXXX and XXXX  XXXX in XXXX Az As per credit card company I disputed the charge every 60 days for the next XXXX  months the card is with Synchrony Bank Care Credit division Besides the Care Credit Synchrony Bank also handles The XXXX card During this time period I also applied for a XXXX XXXX card and a XXXX card both through Synchrony Bank as well I was approved for all XXXX cards My Care Credit card with an XXXX  year impeccable payment history credit limit was dropped then closed My XXXX  card was then closed I never used XXXX closed it right after I was approved and then after XXXX purchase with XXXX XXXX paid it off and then closed it These events all took place during my initial dispute of {$250.00}. Going back and forth with the 60 day disputes explaining over and over regardless about the service payment agreement due to the circumstances and the company XXXX XXXX is very aware of my complaints which I haven't been able to do anything about either. Being mistreated and I mean being over anesthisized when I specifically asked not to be, the XXXX changed his mind while I was in the chair as to which tooth to do procedure on, no emergency after hour return call, XXXX XXXX, broken tooth and to top it off an XXXX week XXXX. Then lied in reports of the ongoing that day I was forbidden to seek help from their offices, they lied about my psychiatric service dog, called law enforcement on me accused me of harrassment and and all over {$250.00} that neither company is willing to let go and now Synchrony Bank has informed me and called me credit unworthy and that XXXX will no longer be issuing me a card through that part of Synchrony Bank as well
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

COMPANY TRANS UNION THAT WAS BUILT ON SLAVERY, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I sent a letter to EXPERIAN on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get XXXX XXXX XXXX to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report there are accounts being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave EXPERIAN any written consent to even report any accounts on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) EXPERIAN allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me XXXX  and is XXXX up.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to dispute and request the immediate blocking of inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC section 1681c-2 ( Blocking of information resulting from identity theft 605B ). 

Account Information : Creditor : XXXX  Account Number : XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX Discrepancies : XXXX Opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX High Credit : XXXX : {$840.00} XXXX XXXX {$0.00} XXXX : {$800.00} XXXX XXXXXXXX : XXXX : {$700.00} XXXX XXXX {$0.00} Date of Last Payment : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Given these discrepancies, I demand that the item be blocked immediately. As per the Fair Credit Reporting Act ( FCRA ) 15 USC section 1681c-2, you are required to block this information within 4 days of receipt of this communication. Failure to do so within the 4-day period constitutes a reason to promptly delete the information from my file, as per FCRA 15 USC section 1681i ( 5 ) ( A ).

Please investigate these matters and correct the information on my credit report promptly. I have attached copies of my credit report with the highlighted errors and supporting documents. 

Thank you for your immediate attention to this issue. I expect a response and resolution within the timeframe specified by Federal Law.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA XXXXONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Called Chase Bank fraud department and notified them about an unauthorized transaction on my account and provided details of how it might have happened. Chase temporarily credited my account while investigating the issue. Two days later, bank replied with the letter that upon investigation, no fraud was found and they would reverse the credit ( debit my account ) after XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I sent a letter to Equifax information Services on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get Equifax information Services to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report a XXXX XXXX XXXX account is being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave Equifax information Services any written consent to report the XXXX XXXX XXXX  account on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) Equifax information Services allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me harm and is XXXX up.
Consumer complaint received 2023-12-20
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. (NY)

Per the FCRA As a federally protected consumer, I am now opting out or any and all authorization I the consumer may have given XXXX XXXX XXXX written, unwritten, verbal, and non verbal per 15 USC 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

effective immediately and indefinitely
Consumer complaint received 2023-09-17
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CA)

Last time I used my Overstock store credit card was 2 years ago for a purchase, then suddenly I got this bill that I owe them something, come to find out that it was a subscription for like a club store which I don't remember signing up, I tried to talk to customer service only to find out that the company is closing that specific credit program altogether but that still I owe them that amount, I tried to talk to them about this charge but I couldn't get a straight answer specially that my account is already closed. My problem is I don't really want to pay the initial amount they are asking because I feel that I haven't used their service. My bigger problem now is that I am receiving additional bill because I haven't paid my previous due which I am trying to resolve but couldn't because I can't get hold of someone to help me. I'm being bounced from XXXX customer service to another just because my account is showing to be closed and that the only way for me to remove this issue is just top pay up whatever they are billing me for.
Consumer complaint received 2024-05-17
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. (MA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (GA)

I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by US Bankcorp and XXXX XXXX. This is under 15 US Code XXXX XXXX. XXXX XXXXXXXX inquiry happened on XX/XX/XXXX and XX/XX/XXXX. US Bankcorp inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according 15 US Code 1666. 

My student loan ( XXXX ) was forgiven by Pres. Joseph Biden. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under US Code 1666
Consumer complaint received 2023-09-17
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. (MN)

After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.
Consumer complaint received 2024-05-17
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. (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 XXXX {$16000.00} Account number XXXX Account name XXXX XXXX XXXX $ XXXX {$14000.00} reflecting XXXX different numbers on different bureaus Account number XXXX Account name XXXX  XXXX XXXX XXXX {$1800.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$3900.00} Account number XXXX Account name XXXX XXXX XXXX {$460.00} Account number XXXX Account name XXXX XXXX  XXXX XXXX {$15000.00} Account number XXXX Account name XXXX FEDERAL XXXX XXXX {$620.00} Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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.