davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NJ)

Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof.

TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

I made all my payments on time using the companies website but one month i got notice 30 days later that they never received the payment and that a 30 day late payment was on my history. This was not my fault because their website showed that they received the payment.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rossman & Co & PCB (OH)

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with PCB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. This account Is not in compliance with HIPPA ACT standard and is in violation. I request that PCB Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all CONTRACTUAL AGREEMENTS with my signature 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PCB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, I have been being contacted by Bank of America for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.
Consumer complaint received 2022-12-21
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. (WY)

Experian shows that a XXXX XXXX XXXX card was opened into my account in XXXX 2022. I launched a dispute online at Experian that I don't have a XXXX XXXX XXXX card, nor did I open this account. My credit has been hurt because they are showing late payments. I will sue them for damages if they don't remove it immediately. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Open. {$70.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$92.00} XXXX updated XX/XX/2022
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (CA)

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-06-23
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. (MD)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am deeply concerned by your persistent refusal to remove fraudulent accounts from my credit report, especially in light of clear evidence of fraud and confirmation from other bureaus that have successfully removed similar accounts. 
Your failure to comply with the law is unacceptable. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-06
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)

I am following up to update you on my recent complaint and to reiterate my dispute regarding certain entries on my credit report. To support my claim, I have submitted an Identity Theft Report # XXXX, aligning with the requirements of FCRA section 605B ( a ) ( 1 ) ( 2 ). This mandates the removal of any entries identified as fraudulent from my credit file within XXXX business days upon receipt of ( XXXX ) appropriate proof of my identity and ( XXXX ) the identity theft report. The entries still pending removal are listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I emphasize the four-business-day timeframe for the removal of these fraudulent entries from my credit file. Additionally, I request the avoidance of automated verification processes like XXXX and ask for the results to be sent to my provided address.
Consumer complaint received 2023-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (TX)

National Recovery Agency has placed 4 accounts on my credit report for collections from XXXX XXXX XXXX XXXX. Each with dates and amounts that I have spoken to the hospital regarding and have confirmed with them they have no record of myself or my children XXXX of which is XXXX the other XXXX are XXXX being seen on the dates reported or any history of me owing the amounts listed. I have disputed the collections with the credit agencies and requested validation letters for the debits but have not received them and they wont remove them from my credit report and continue to report on them monthly. The most recent account was placed on my report today saying I owe {$580.00} dollars for an original service date of XX/XX/XXXX. This hospital is located in Texas and I have not been in the state of Texas since XXXX of XXXX as I have been working out of state. The other 3 accounts that they have failed to validate are 2 for the date of XXXX, XXXX on in the amount of {$1500.00} and the other for {$1000.00}. The final is dated for XXXX XXXX, XXXX in the amount of {$510.00}. As I said previously I spoke to the billing department who has confirmed several time that they have no record of these debts I allegedly owe to them for these dates or amounts. Since National Recovery Agency has failed to send the requested information to validate the debts I suspect they do not have it and they know the information they have entered is false and they are attempting to collect on a debt greater than 4 years old which is the statue of limitations for medical debt in Texas and are attempting to collect on debts much older than that by lying about the original date of the debt and illegally re-aging the debt to make it appear more recent. I want them removed from my credit report immediately.
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I got a notice from my bank that my car loan was late. THAT day I went to the bank to fix the problem. They repeatedly assured me that it was their mistake, and that I had fixed it in a timely manner. I then received a letter that stated I was 60 days late on my credit for the late, that I was strongly under the impression had been fixed. I am outraged. HELP ME PLEASE!
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act : This 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 XXXXXXXX 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 2022-11-30
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (TX)

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-30
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: I.C. System, Inc. (NE)

A collection account was removed from my credit report from IC System. My credit score did not increase at all from the removal of the collection account from my credit. My credit score should have increased at least 23 points from the removal of the collections account.
Consumer complaint received 2024-03-06
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 am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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)

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 U.S.C. 1681 Section 602 A. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-06
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
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. (NJ)

I paid the full balance but company said I owed them {$0.00} which doesn't make sense when I paid my full balance. They did not contact me until I got a ping from my Experian app saying score dropped and I looked and then called XXXX since its a XXXX XXXX. They claimed I did not when I asked why they did not contact me before saying remaining balance is due. Which caused them to say we sent you to collection so speak to that department. I was going around calling different people spent XXXX hours trying to figure out why I got into collection.