davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (TX)

I have not used this dentist office in over 2 years, and this is not my debt. I have paid for the cleaning that have done for me at the time of service, and have no minors for which I am responsible. Basically their office does not care and will not stop regardless of what I say. Once again, I had no service done there except for cleanings which were paid for at the visit. This {$900.00} to {$1200.00} charge is not mine. I am unsure of the amount since it changes every time I get something in the mail.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (FL)

I just got a letter from FBCS , Inc. They are stating that I owe an amount of {$460.00}. The truth is I never had been anesthetized. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within they will assume the debt is mine. I hope you can help. Thank you.
Consumer complaint received 2018-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit Control has listed as of XX/XX/XXXX, 2 accounts totalling {$1400.00} on my XXXX  report and 3 accounts on my XXXX report totalling {$1500.00}. I sent a certified Debt Validation letter giving them 30 days to respond. I have since filed a complaint with the XXXX, # XXXX in which First Federal acknowledged reciept of the certified letter on XX/XX/XXXX. The resolution i am seeking is validation of the alleged amounts. They responded to XXXX stating they could not find the accounts, spoke with a " XXXX '' who was rude and said that " My bills '' were in route and my debt validation letter was " Jargon '' that did not matter. I seek to have all listings from First Federal Credit Control removed from all 3 credit reporting agencies. They have not complied with my Debt Validation request giving them until XX/XX/XXXX to respond.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I got a copy of my credit report, and I saw a lot of incorrect information, so much so that I believe I am a victim of identity theft. There were incorrect addresses, employers, and inquiries that I never made. There is also a CHILD SUPPORT ENFORCEM account # XXXX I don't know anything about it. I have never given my social security number out, just to my employer.

These violations fall under 15 US Code 1681 and 15 US Code 1681b ( FCRA ). The law clearly states the following : 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( the consumer ) to furnish an account on my report,. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts :.

Secondly, according to 15 USC 1681,. The law clearly states :.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system, and Unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-01-12
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (CA)

XXXX XXXX is not my credit card I have reported multiple times regarding this account and XXXX XXXX keeps telling me it is mine because they are tracing it to me and someone making payments to the account. I never had accounts with XXXX XXXX nor any accounts with XXXX XXXX  where the payments came from. I am a victim of identity theft and attached you will find the police report. thank you
Consumer complaint received 2019-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (NY)

This bank is XXXX their branches threatens me treated me horible refuses to Open me an account gave me a letter blaming XXXX XXXX when its not I owe no money to this bank Or other banks I used to bank with them and was a good customer but for some reason they hate me their executive office lady lied to me and said that by Friday of this week she would have a response I sent her everything she asked me for and she XXXX  she doesnt even know what is causing this and refuses to help me their branches are awful towards me and tell me To go bank somewhere else and are extra XXXX XXXX and arrogant I faxed her my XXXX report showing I dont owe anyone money and even XXXX said its the bank that is refusing to open you an account not us your report is clean they have a problem with me and refuse to fix this and open me an account
Consumer complaint received 2024-01-12
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. (NJ)

All the accounts listed on the Identity Theft report are on my credit profile without my permission. Pursuant of 15 USC 1681b anything reporting on my credit report must have my consent, to do so without my permission is a violation
Consumer complaint received 2023-07-30
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. (IN)

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 Account # XXXX, 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 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2023 I had made a purchase for airline tickets that was blocked by the fraud department of my Bank of America Credit Card. The message sent to me said that the charge was declined and asked if I had made the charge. My account was frozen until a response from me was made. I confirmed that I did the charge but their next message said that if the charge was declined that I would have to contact the merchant and request that the charge be reprocessed, otherwise I did not have to do anything. I was told this charge was declined and would remain declined. However the merchant continued to send authorizations until the charge went through. I did not authorize them to continue billing my account. The charge was declined and shoule have remained declined. I called Bank of America when the charge posted to my account and told them what had happened. They refused to stop the merchant from billing my account after it was declined and then they refused to acknowledge their own messages to be accountable for the charge posting. Every time I called in they made the excuse that they did not have the message in front of them and could not reference it. I offered to send the text correspondence to them, they refused to consider it. They said the charge was allowed and I have to pay it, against what the text message instructed. When the charge was declined, I made other arrangements and did not want this flight... .I did not use the ticket and now am having to pay for something that I did not use and they allowed to go through on my account that should not have processed after they declined it. I did not go back to the merchant and authorize the charge a second time. I want my card balance with any late fees and interest to be refunded. I have closed this account as I do not want to do business with this company. They caused this problem. If the fraud department wanted to flag something they could have called me and take care of things directly, but that is not the level of customer service they provide.
Consumer complaint received 2023-07-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2024-01-11
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. (CO)

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. 
I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX 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 2024-01-11
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. (CA)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-11
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-01-11
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. (NV)

Over 2 months Im trying to explain the violations to them but they simply dont want to hear anything. I found another violation just right now I will keep everyone busy for deleting this account. XXXX XXXX is one of the worst company that I ever seen, this company dont care any type or Federal Law, Im as a consumer pushing them to correct and report accurate account but nothing changes. Since its been over 45 days and no correction I demand to delete this account forever in 3 credit reporting agencies asap. Will be uploading another violation which shows that account number is reopening only one digit. Bu the Law FCRA account must be reported at least 6 digits so consumer can demonstrate if any issues, here is reporting just one. My previous complaint has been proven with actual proff that this company is reporting 3 different names and account number on 3 credit bureaus. Enough violating the Law, Constitution says everyone must follow the law, doesnt matter you are Present of United States or market cashier.
Consumer complaint received 2024-01-11
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 USC 1681. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-01-12
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 formally express my deep concern and dissatisfaction with the credit reporting practices of XXXX, Experian, and XXXX. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.
Consumer complaint received 2024-01-12
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. (CA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

After XXXX XXXX My checking account balance overdrawn message received on my phone at night around XXXX XXXX  and immediate i went to PNC ATM machine and Cash Deposit in amount of {$200.00} made balance positive immediately and I received text message that your overdrawn item was covered and next morning bank charge {$36.00} for each overdrawn item just for few minutes I requested waive this two Fees {$72.00} total and they denied at first time I escalated problem and they denied again. My question is If i take care my financial matter within time and my account balance become positive within short time period at night. I went at night XXXX XXXX and made CASH DEPOSIT and account was positive balance.
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Valley Credit Service, Inc. (OR) (OR)

Received multiple calls from debt collector ( Valley Credit Service ) on a debt I had already paid ( to XXXX ). I told the collector the 1st time that I had already paid my bill in full. They did not investigate until over a month later after threatening me with legal action.
Consumer complaint received 2024-01-11
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. (CA)

There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Consumer complaint received 2016-07-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: STERLING JEWELERS, INC. (TX)

I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.
Consumer complaint received 2024-01-11
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. (WI)

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 Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number: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 2024-01-11
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. (FL)

My name is XXXX XXXX. I am a victim of identity theft. I sent my FTC Report and my Florida Driver 's license to Experian, XXXX, and XXXX. I will be filing a civil suit for reporting inaccurate and fraudulent information.