davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

In or about XX/XX/2019. The VA sent me ( I'm a XXXX veteran ) to XXXX XXXX XXXX in XXXX XXXX to get an X-ray. They sent me there because facilities at the VA Clinic in XXXX XXXX Florida were not available for the test at that particular time. 
I am eligible to have 100 % of my medical bills paid through the XXXX  and they intended to pay the bill for this service. 

Although I do not use Medicare, I have the regular 80 % coverage. I have it only as a back up plan and do not intend to use it as long as there is no problem using the XXXX  ( which is superior coverage ). 

When I did the intake at XXXX XXXX I informed them I was a XXXX Veteran gave them my paperwork from the VA and presented my VA ID. for them to receive payment. 

VERY IMPORTANT : I never told them that I have any Medicare coverage or that they should use medicare to pay this bill. The Hospital knows that my VA ID is the same as my Social Security Number. 
The next thing I found out after a couple of months was that XXXX XXXX XXXX XXXX, from XXXX XXXX XXXX had charged Medicare for the bill and had been paid except for the 20 % of the charge that is either paid by the patient or the patient 's supplemental insurance. 
Since this occurred I have been in contact with XXXXXXXX XXXX XXXX XXXX, the VA and the Collection Agency. Everyone agrees that the VA stood ready and willing to pay this bill but nothing happens and it appears as a {$180.00} collection on my credit report with XXXX, credit reporting agency. 

This is a error from XXXX XXXX XXXX XXXX. Professional Adjustment Corp ( collection agency ) is not presently dunning me but will not remove this item from my report. 

XXXX XXXX XXXX XXXX is either lazy or a little bit evil. I want this item removed from my credit report. It should not be there and I don't owe it. 

XXXX XXXX
Consumer complaint received 2024-06-21
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have spoken with all three agencies, XXXX, XXXX, and Equifax and asked for an investigation and reported that these accounts contain -fraudulent activity : 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 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY CREDIT REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION (NY)

An XXXX XXXX at XXXX XXXX XXXX at XXXX Utah XXXX was trying to get a loan under my name XXXX XXXX and him at a co-signer. I have no idea who this person is I dont know anyone or have never been in Utah ! It was M + T Bank that called me
Consumer complaint received 2024-06-18
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. (SC)

I submitted a complaint of XXXX and the response from the CRAs is that the information was verified however the CRAs didn't provide any of the requested information from the letter attached. I am seeking validation, and it seems this debt can not be validated. 

According to FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report. It is the CRAs duty to ensure all information being reported is validated and accurate. The creditor failed to validate the accuracy of this account however the account was not deleted from my credit profile. I am prepared to take legal action if the information is not validated within the next 30 days with accurate information, stating this account belongs to me. 

Below are the questions that needs to be answered. 

I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt. 

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate. 

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX 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
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

I have a XXXX credit card that was issued by Chase Bank The card number is XXXX. On multiple times I had my card stolen and I reported same to the Chase Bank. Upon close examination there are charges on my card that were no made by me. 
Chase has a policy that states that the card holder is 100 percent not liable for charges that are not made by the card user. 
I have reported such items to Chase and they refuse to credit my account for these charges not made by me. 
The charges in question are as follows : XXXX on XX/XX/18 in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX There charges are not all encompassing as there may be additional charges to this account that were not made by me.
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (GA)

The other credit bureau deleted my late payment of my student moan but experian have not and I've been trying to reach out but no answer or response. Everytime I dispute the item they update it and I think times unfair to me that bothe XXXX  and XXXX  have deleted the late payment.
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Collection Management. Inc (MO)

This company ( Consumer Collection MN ) ( Account # XXXX, XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS LAST XX/XX/2021. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (WI)

Roughly XX/XX/2019. XXXX. A little over XXXX paid down to XXXX, XXXX. Went through fraud crime 's and was denied. I filled numerous times for fraud and was denied. A bank in Arizona was paying it off and charging it and paying it off without my knowledge they then had all the charges reversed and stuck onto my account. I live in the XXXX and do not know anyone in that area. My card was stolen and was used in a town over. Living in a college town it could be anyone from XXXX individuals. That also shop in the same area. They stated that I had lied and withheld information which i know i had never once done. This is not something i did and there is no need for me to lie or withhold any information used to help my investigations. I have already paid XXXX on something that i had not even done. I can no longer afford a mistake that I didnt even create.
Consumer complaint received 2023-08-08
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. (NC)

A fraudulent derogatory entry was submitted to XXXX on XX/XX/. In response XXXX dropped my credit score from XXXX to XXXX. On XX/XX/XXXX the creditor submitted a removal request to XXXX. While XXXX did remove the derogatory entry they have not adjusted my score back to where it was. They refuse to provide me with any information as to why. This is preventing me from getting preferred interest rates on multiple transactions.
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (TX)

I opened the account through the promotion of earn {$300.00} with a new virtual wallet with performance select. However, I still have not received the {$300.00} promotion. So I contacted the PNC Bank on XX/XX/20 regarding this issue. The representative ( XXXX XXXX. ) told me I just need to wait 90 days before the promotion credited to my account. After 90 days, however, still no credit. I contacted PNC again but this time was told I was not qualified for the promotion. The two representatives gave me different information and kept me waited months for nothing.
Consumer complaint received 2020-07-21
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: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MA)

On my credit report the account rating is derogatory, i find this to be unfair. I am in collections with this account which is XXXX XXXX, I am on a payment plan with XXXX XXXX  and I think the reporting should reflect that.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hi, how can you be late and past due on collection accounts? Why are you failing to provide me detail request to validate this account? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2020-10-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.
Consumer complaint received 2020-06-02
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX