davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XX/XX/XXXX {$90.00} XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$400.00} XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( 2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - Commonwealth Financial {$490.00} I am in the process of buying a home and this is interfering.
Consumer complaint received 2019-06-12
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)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation (NJ)

TeleCheck , Inc., along with its associated debt-collection entity, TRS Recovery Services , Inc., agreed to pay {$3.00} XXXX to settle charges of violating the Fair Credit Reporting Act, the FTC announced Thursday. 

trs is hounding me for {$100.00} dollars been cashing checks at my local supermarket stop and shop XXXX nj for over 10 yrs no problems then check was rejected and im being hounded for money
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patient Accounting Service Center (CO)

Today at approximately XXXX XXXX I called back a number that has been calling me many times but never disclosed who they were. I was told they were calling from a debt collector, identified as XXXX XXXX. He explained that I had a debt of over {$5000.00} from a hospital from 2021. Swing as I was not aware of this debt and it has been so long, I requested validation of the debt, as I have no recollection of it. I asked for specific details in writing, including the original creditor 's name, purchase agreement, debt incurrence date, and complete account history. Instead of cooperating, XXXX interrupted me, accusing me of being overly informed about consumer rights and watching too much laws. Despite my insistence on receiving documentation, he refused, suggesting I contact the hospital directly to get that information as his company wouldnt be providing me with what I am asking. 

I asked him if he was not capable of providing me with the information, When I pressed him for what information he could provide he said the invoice with the amount, I said I need that mailed. I'm concerned about the legality of his behavior and unsure of how to proceed. was not expecting to be made fun of for simply wanting clarity on the situation, and I find it concerning that he brought up the legal system in a mocking manner.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2019-04-10
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. (CA)

there is XXXX  XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had XXXX XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX  and XXXX bank promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (FL)

On Thursday, XX/XX/2019 I received a call from TD bank stating that someone tried to deposit money into my account and my account will be locked until I go into a bank and open a new one. That was all the information I was ever given, the amount and branch and name of the person were withheld from me ( I was not expecting a deposit and told them so ). That following Tuesday XX/XX/XXXX, I went in to the XXXX TD bank ( XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX FL ) and opened a new checking account. My previous checking account was not closed, and I was not granted online access to the new account. On Friday, XX/XX/XXXX I received a deposit into the old account from a client that mistakenly deposited into it instead of my new account. I called the TD bank fraud department and spoke to XXXX, on XX/XX/XXXX XXXX transferred the funds but was unable to close the old account, he told me to contact them the next day to close out the old account, he also expressed to me that it was fine as long as it did not happen again. I called TD on Tuesday XX/XX/XXXX and closed out my old account. Two days later they sent out a letter stating that my checking account will be closed as of XX/XX/XXXX. 

I do not understand why my account was closed, I have followed all proper procedures and brought them a lot of business. I do not understand why I am suffering consequences for THEIR mistake of leaving my old account open. I updated all of my clients with the new account number, due to a simple error I will now be unable to conduct legitimate business through what once was my favorite bank to work with. If my account is not restored I will definitely recommend any clients I do business with to stop banking with TD as they do not have their customers in mind, and blame the consumer for oversights made by the bank itself.
Consumer complaint received 2019-05-28
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. (TN)

I have submitted a police report of fraud/identity theft and valid information showing that the XXXX XXXX account and several other accounts that Equifax is reporting is incorrect but they continue to drag their feet and send the same results each time. " Company verified account accurate '', is the response I gotten. I asked for an explanation/documentation but I was told several times its on the way. Guess what? I never received it. I would like these accounts removed immediately because for one it is taken over 6 months for an investigation and I haven't gotten the compliance that I should from Equifax according to the fair credit laws. They are the only bureau reporting this incorrect information at this time.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. 

There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXXXXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b.

It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports.

As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report.

Thank you for your attention and cooperation, in resolving this matter efficiently.

Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports.

( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681.

Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for.

1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/20XXXX & XXXX XXXX 60 days late. 

Experian : 30 days late XX/XX/20XXXX and XXXX XXXX 60 days late. 

XXXXXXXX XXXX XXXX XXXX  30 days late and XXXX  60 days late.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. 
XXXX : 30 days late XX/XX/2022 & XXXX XXXX 60 days late. Experian : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. XXXX : XXXX XXXX 30 days late and XXXX  60 days late.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MD)

My account with PNC bank # XXXX was closed in XX/XX/XXXX. I have tried to reach the bank on several occasions over the past years without any concrete reason. 
XXXX XXXX- i was told by a customer care rep named XXXX on the phone that it was put in a security hold and i should contact the number which she gave me and i did with no one answering the phone. 
On several occasion 's i have been to the branch XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and i have been told different stories. 
XX/XX/XXXX, XXXX i got an email to say my account has been reactivated with the balance shown and i should fund the account to avoid closure. Within the hour another email to say the account is closed and by balance would be sent to me in a Cheque. 
XX/XX/XXXX, XXXX i went into the branch to inquire why i have not gotten my money and a proper explanation as to why my account was frozen and XXXX communication over the years and the staff XXXX XXXX XXXX to make a report as she was told over the phone by the banking service and for whatever reason her computer stopped working and had to get the branch XXXX XXXX XXXX who told me to expect my check in the mail and oddly offered to shred the account documents i had with me. I refused and told her i will do so when i get my account balance. 

XXXX is XX/XX/XXXX not a phone call, not a check.
Consumer complaint received 2019-06-12
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. (CA)

This issue is an existing problem which Experian and XXXX weren't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc. (AZ)

I receive the daily notification from the USPS on mail that is supposed to be delivered to me. Due to a domestic dispute, my mail is regularily tampered with. I saw an address that stated : Return Mail only and XXXX XXXX  XXXX, XXXX MI XXXX. I did not have any idea who this was so I looked it up on line. It was listed as Diversified Consultants. I do not know who they are. I saw they are a debt collector. So out of fear that the domestic dispute was leading to collections I was unaware of, I contacted the company. I told the first rep my story and that I wanted to update my address, he transfered me. The second guy I spoke to was so unprofessional. I told him that due to the domesctic dispute I wouldnt be able to receive the mail and I wanted to update my address and have the letter resent to me. He countered with " You are disputing this? '' I repeated that I wanted to update my address so I could see what was in the letter. I had to do this 3 times. He then told me it was something from XXXX. I said how is that possible as I have had service with them since 2004. He responded with " So you are saying you have never had XXXX? '' I seriously lost my mind at this point. I said you are harassing me and saying the opposite of everything I say. I want my address updated and the debt you claim I owe to be validated and I will then respond. He stated they will only send a collections letter. I know this is a false statement. When I asked for that he needed to provide validation of any debt I owed, I talked to my attorney about that and I know I am right. I updated my address. Then the rep stated the same things again stating I was disputing the debt and claied I didnt have any XXXX service ever. I again told him you are 100 % wrong in these statements. That I was calling to update my address to see what you are sending and that I have had XXXX and the same number since 2004. As if that wasnt bad enough he started saying that he was going to call XXXX and have my phone line shut off for fraud as I claim I never had XXXX. I lost it! He has no right to affect my cell phone or my service with XXXX especially under these conditions. He then threatened to tell XXXX I was refusing help. I said help for what? I have nothing to base that on. He was way out of line. According to my attorney, there are 5 major FDCPA violations here. I have the call recorded as AZ is a one party recording state so all of my statements are verifiale in that call recording.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information. Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2017-05-26
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. (TN)

I provide information to   XXXX   in   XX/XX/XXXX ,  disputing inaccurate reporting by  XXXX  and   XXXX   XXXX   XXXX   on my credit report. Supporting documentation and the listing of my chapter  XXXX  case including my student loans was referenced in the dispute to  XXXX . I reviewed the completed dispute from  XXXX  recently and the disputed items are displaying that my account with  XXXX  is closed, and that no payments have been received since  XX/XX/XXXX . I have been under chapter  XXXX  bankruptcy since   XX/XX/XXXX .    XXXX   XXXX   XXXX   has been reporting payment history for all of my loans to this reporting agency since that time