davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX is and has been in " in-network '' primary care facility I was seen at their urgent care location immediately after a serious car accident end of XXXX. Suddenly I was receiving bills from the visit and a follow up visit to my primary care doctor. As I mentioned, they are in network with my insurance company and I only have small co-pays, which were paid. I have tried several times to get this straightened out but they use a 3rd party billing service and it's just been impossible. 
Now I have been sent to collection. I do not owe this money as all care received was covered 100 % less my co-pay. 
I have attached the collection letter and a copy of my actual billing summary from my doctor 's office-XXXX balance!
Consumer complaint received 2023-06-02
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: WELLS FARGO & COMPANY (OH)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08
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. (NC)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer. 
reporting agency can not furnish an account without my written. 
Instructions
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with XXXX, this account is closed. Per Experian the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (HI)

I am writing to express my deep dissatisfaction and frustration with the recent handling of my account by PNC Bank. I have encountered significant inconvenience and financial hardship due to the prolonged investigation and subsequent hold placed on my account. 

I deposited a check into my account that I had received as payment for a XXXX job. Unfortunately, it was later discovered that the bank account connected to the check had been closed. While I understand the need for security measures, I am extremely disappointed by the excessive length of the investigation, which has now reached 30 days. 

To make matters worse, not only is my account under investigation, but a hold has also been placed on two other checks that I deposited. As a result, I am currently unable to access the funds from these checks, leaving me in a difficult financial situation. I am unable to pay my rent, and my landlord is putting immense pressure on me to resolve this matter promptly. 

Moreover, I was deeply displeased with the attitude and unprofessional behavior of the customer service representative I spoke with during my last call. She displayed a sassy and patronizing tone, and instead of providing assistance or guidance, she unjustly blamed me for the false check incident. This kind of treatment is unacceptable and does not align with the level of service I expect from a reputable institution like PNC Bank. 

I kindly request that immediate action be taken to resolve this issue. I understand the need for proper verification and security measures, but the length of the investigation and the subsequent hold on my account are excessive and causing significant hardship for me. I urge you to release the funds from the other checks that I have deposited, as they are unrelated to the initial incident involving the false check. 

Furthermore, I would appreciate a thorough review of the conduct of the customer service representative I spoke with. It is essential that all bank employees maintain a professional and respectful demeanor when interacting with customers, regardless of the circumstances. 

I trust that PNC Bank will take my concerns seriously and address them promptly.I hope that this unfortunate incident can be resolved swiftly and that appropriate measures will be taken to prevent similar situations from occurring in the future. 

I kindly request a written response within 15 business days, outlining the actions taken to address my concerns and rectify the situation. I can be reached at the contact information provided above if further clarification or information is required. 

Thank you for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-06-06
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. (TX)

Dear CFPB, The Experian is the one reporting 2 inaccuracies on my credit report. 

First one is XXXX XXXX XXXX XXXXXXXX has " 18 POTENTIALLY NEGATIVE MONTHS '' on my credit profile even before and after appear on my credit report. I am sure that creditor has tax credit and resell same car to another customer to make more money which is more profits for them but this account should be deleted by long time ago and outdated account. They should delete the account or pay me $ XXXX a month every month till they remove this account. 

Another account is XXXX XXXX XXXXXXXX has " 1 POTENTIALLY NEGATIVE MONTH '' on closed account that why it should be deleted or updated to paid or they also pay me $ XXXX a month every month till they remove this according to Under federal law, I could sue them and ask for {$1000.00} in damages for both account ( XXXX ) which is $ XXXX a month or maybe more can be up to {$500000.00} in damages
Consumer complaint received 2023-04-13
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. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$14000.00}
Consumer complaint received 2024-06-05
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. (TN)

Received credit monitoring notification today XX/XX/year> that there was a Hard Inquiry added to my credit report by XXXX XXXX XX/XX/year>. I have not applied for any credit cards nor any credit of any sorts in a year. I would like for this to be investigated and removed from my report as it is fraudulent.
Consumer complaint received 2023-10-13
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: AMERICAN EXPRESS COMPANY (NJ)

Report XXXX XXXX Date Generated XX/XX/XXXX Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$2100.00} Terms - On record until XX/XX/XXXX Dispute hasn't been resolved with no explanation
Consumer complaint received 2023-10-13
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: Experian Information Solutions Inc. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX  XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2023-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This account was sold to third party collections without my consent and was not told about this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$8.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$11.00}.
Consumer complaint received 2023-10-13
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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
Consumer complaint received 2023-10-13
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

My credit score went down XXXX points because of a new account was opened under my ssn that I have no idea about. Its from XXXX XXXX  and XXXX for XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. 

THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.
Consumer complaint received 2023-04-19
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following account showing in my credit report is not one I recognized XXXX, XXXX during this period I was in XXXX, XXXX as a dependent. Enclosed is the XXXX contract orders.
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2023-10-13
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Re : XXXX XXXX Account # XXXX Subject : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i This letter is to formally express my severe disappointment and intent to sue due to Experian 's willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681n and 1681i. Your response dated XX/XX/2023, regarding the dispute for my account with XXXX XXXXXXXX XXXX ( starting with XXXX ) blatantly disregards my rights as a consumer and is an apparent failure to meet your legal obligations. Your response dated XX/XX/2023, in which you state, " The dispute for the account witXXXX XXXX XXXX XXXX  that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate, '' is a clear testament to your failure to uphold these obligations.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I am deeply distressed and alarmed by the current state of my credit record and my overall situation. This ordeal is not only incredibly embarrassing but also clearly a result of either your actions or the corporation 's negligence in disseminating inaccurate information.