davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armada Corp. (NV)

Armada Corp of Nevada is attempting to collection on a XXXX XXXX XXXX debt. This debt ( {$770.00} ) has been paid, in full, to the Creditor ( XXXX XXXX XXXX ). XXXX filed suit for the debt ( plus court costs and fees ). Armada needs to retract their Small Claims Complaint with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

OnXX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I live in NJ and have a Bank of America account ending in XXXX. Someone walked into a Bank of America branch in XXXX, Texas with a XXXX XXXX check belonging to someone else, presented said check for cash to the teller as they wrote my name on it and had it endorsed with my Social Security Number. No check was ever deposited to my BofA account, but BofA made a charge back to my account for {$800.00} when it discovered this forged XXXX XXXX check was a closed account. The date of the check is XX/XX/2023, it was presented for cash on XX/XX/2023 and I was notified by BofA on XX/XX/2023. I reported the fraud to BofA the same day. 

To date, BofA refuses to credit my account back {$800.00}, and the bank also refuses to tell me what branch in XXXX, Texas this occurred in so I can file a police report. Someone not only managed to steal money from my account using another 's forged check, but they used my SSN as an endorsement. BofA said this will take 90 days. That is ridiculous. 

My claim with BofA is XXXX. Please assist
Consumer complaint received 2023-10-11
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. (MI)

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 Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-10-11
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 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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2023-07-24
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. (IA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (TN)

So my mom, whom I never communicate with called me and said that they threatened me on XX/XX/ She doesnt know what shes got coming her way, also called her on another on another occasion XX/XX/ on her business phone number and said If she doesnt give us a call back then we will sue. She was upset and hysterical. I dont know what credit these people are referring to because they refuse to send me proof. She told them both times to not call her but they kept calling anyway. They keep using scare tactics to collect on a debt and its very disrespectful.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I submitted a dispute to both Equifax and XXXX online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, XXXX informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. Equifax appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ Equifax 's ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- Equifax and XXXX -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if XXXX and Equifax want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are XXXX and Equifax using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

hello i recently sent a letter to transunion on XX/XX/2024 in regards to some accounts they have listed as charged off. I asked for them to send me the method and information they used to investagete these debt collectors.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

A fraudelent charge was made on my Wayfair Citi Bank card on XX/XX/ for {$200.00}. The purchase was done on-line from a person in XXXX for a gaming chair. I'm XXXX XXXX XXXX and live in XXXX. I did not make this purchase and I alerted Wayfair and Citi Bank. Citi 's Security Operations ook my claim and removed the charges. However, in XXXX, the charge was returned to my card due to the " lack of information to support my claim ''. This began a barage of phone calls about overdue payment and late charges. I've received several letters letting me know that my credit would be impacted. I've called Citi 's Security Operations several times. Speaking to XXXX, XXXX and XXXX on seperate occasions. All assured me that this was a fraudelent charge and they would personally remove it. This was obviously a scripted response since each said the exact same thing. It is now XXXX  My last letter was dated XXXX saying that they will be reporsting me to the XXXX credit bureaus if I didn't pay the charge and the late fees. How dare they continue this harrassment and extortion. This needs to addressed and other need to know not to sign up for the Wayfair Citi Bank card. My identity was stolen through and on-line purcahse due to their lack of security and they are blaming me. Stay away from this company and their credit cards.
Consumer complaint received 2023-09-01
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. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY CREDIT REPORT XXXX 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 2023-11-01
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. (MD)

I DO NOT have any idea regarding this fraudulent account on my credit report. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I got a credit card with XXXX XXXX XXXX in XXXX I had difficulty with making payments therefore I consolidated my debts with XXXX XXXX XXXX XXXX XXXX. XXXX reported I was 30 days late each month I was working with XXXX XXXX XXXX XXXX although they accepted the minimum payment from them. I got a recent invoice from XXXX on XX/XX/XXXX AFTER I have paid them in full {$460.00}. This clears my debt. This company reported me 180 days late this past Sunday XX/XX/XXXX and I paid them XX/XX/XXXX. I see the payment due date is the XXXX of each month although the billing cycle starts the second of the month. 
Either way they trashed my credit I believe for XXXX reasons since I am XXXX XXXX  and I feel even though I have paid off the credit card they still seek to destroy my credit by not reporting the card as paid off but as still late. 
DO NOT accept a credit card from these people because they will take your money and still report you as late. This is wrong and although I spoke with a XXXX on XX/XX/XXXX about this matter she was quite dismissive of their mishandling my account.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (DE)

On XX/XX/2020 I called US Bank customer service phone number four times from back of the card. I pressed zero to talk to a live representative and the phone automatically hangs up. I need to unlock my phone and get directions on paying a bill and a representative is unavailable. Not good!
Consumer complaint received 2024-03-13
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. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
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. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (DC)

I tried to make my first payment and wasn't able to from the TD bank website. 

I was only able to view my checking balance. When I tried to login through the credit card option on your website it took me back to my business checking balance. I asked about this in person, the manager thought I wanted to change my password and cleared my phone number which made it difficult to log in to check my balance or make the payment at all. From that day, I have had trouble logging into my account ever since. I've had to make payments in-person where there's been some confusion and I have had to rely on the temperament of the person serving me to make sure my payments go through.

It is remnant of fraud because I'm not able to pay my bill on time and creates room to create a debt pitfall for me when I am able to pay without issue or login after not being able to see or pay my credit card balance. I got this card to strengthen my credit potential. I would not like my business relationship to end with this bank but I need to be able to make payments without my payments being held hostage. 

I don't want my payments and potentially my safety being in jeopardy every month I visit the bank to pay on time. I'd like to keep my relationship with this bank but I can not be left to dry with no security blanket. It's unfair to the consumer.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
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. (AZ)

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.

This accounts and Inquiries 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.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX