davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (NY)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accountsin question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXXXXXX XXXX  XXXX.
Consumer complaint received 2024-08-01
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)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Subject : Dispute of Fraudulent Charge Request for Intervention Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute with Bank of America regarding a fraudulent charge on my XXXX XXXX XXXX XXXX XXXX Despite my efforts to resolve this issue directly with the bank, the matter remains unresolved. 

Transaction Details : Date of Fraudulent Charge : XX/XX/year> Location of Charge : XXXX XXXX, XXXX Amount : {$2100.00} Bank of America Claim Number : XXXX Background Information : During my recent vacation in XXXX, I used my credit card twice in XXXX. Following these transactions, the card stopped working and I made no further purchases with it in XXXX. 

On XX/XX/year>, after landing in XXXX on the way home, I received a notification from the Bank of America XXXX about a suspicious charge. I promptly reported the charge from XXXX XXXX, XXXX, as fraudulent. My card was deactivated in response, and I assumed the matter would be resolved. 

On XX/XX/year>, I received a correspondence stating that the charge was not covered under their fraud protection policy because they " confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' However, I was not in XXXX XXXX and could not have made this transaction. Ive attached the claim denial letter. 

Evidence Supporting My Claim : Flight Documentation : On XX/XX/year>, I was on a flight from XXXX to XXXX. Attached are my airline check-in and boarding documents proving my presence on this flight during the time of the fraudulent transaction. 

Store Hours XXXX : The store where the fraudulent purchase was made does not appear to open until XXXX a.m. local time. At that time, I was on an airplane, and it would have been impossible for me to make the transaction. 

Previous Location : On XX/XX/year>, I was staying at a hotel near XXXX airport in preparation for my flight home. This location is far from XXXX XXXX, XXXX, further confirming that I could not have made the purchase. Ive attached my booking confirmation at the hotel. 

No Prior Visit : I have never been to XXXX XXXX, XXXX, in my life, which precludes me from having made the purchase in question. 

Given the evidence provided and the circumstances of the fraudulent charge, I am seeking your intervention to ensure that Bank of America correctly resolves this dispute and covers the charge under their fraud protection policy. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
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. (PA)

On XX/XX/2024, I sent signed requests to XXXX, Experian, and XXXX to inquire about the sources used to verify the bankruptcies listed on my credit report. These requests were aimed to validate the accuracy of the information reported in compliance with the Fair Credit Reporting Act. However, only XXXX responded and removed the bankruptcies from my credit report. 

Both XXXX and Experian failed to respond to my inquiry. So I sent signed follow-up letters to both on XX/XX/. Again, no information or updates on the status of my requests have been provided by either agency. The lack of response has left me unable to address and dispute the potential inaccuracies on my credit report, which are significantly impacting my credit standing and financial opportunities.
Consumer complaint received 2024-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

To Whom It May Concern, I am writing to formally dispute an entry on my credit report. Upon reviewing my recent credit report, I identified a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ).

According to the FDCPA, a debt collector is prohibited from communicating with a consumer regarding the collection of a debt without prior consent from the consumer or the express permission of a court. It appears that a debt collector has made communication attempts concerning a debt on my report without having obtained the necessary consent or court authorization. 

Details of the Disputed Entry : Account Number : XXXX Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Disputed Amount : {$650.00} I request that you investigate this matter and provide confirmation of the correction or removal of this entry if it is found to be in violation of the FDCPA. Additionally, please provide me with a written response detailing the results of your investigation and the steps taken to rectify this issue. 
Not only was the debt paid, it has been paid for months now. 

Furthermore, XXXX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. I, the consumer informed XXXX that all the inquiries reported were fraudulent. According to the law, once a federal trade commission ( FTC ) report is filed XXXX is required to remove all disputed items from the report within 4 days, pending investigation Please consider this letter as my formal dispute and request for an investigation as mandated by the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-08-01
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00} SXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-01
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. (GA)

Experian has violated the FCRA over 19 times within the past two years by a reporting a Bankruptcy item on my consumer report. Demanding immediate removal from my consumer report.

" According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies have a serious responsibility to treat consumers fairly, impartially, and with respect for their privacy. Experian is a consumer reporting agency, and I am a consumer. I have the right to ensure that my private information isnt shared, as supported by the FCRA ( 15 USC 6801 ), which emphasizes financial institutions obligation to protect customers nonpublic personal information.

The term Furnisher of information to credit agencies refers to financial institutions. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only provide a consumer report based on the written instructions of the relevant consumer. Experian, and other reporting agencies do not have my consent to share this information, nor do they have my written permission. I hereby revoke any consent, whether verbal, non-verbal, written, or implied.

Additionally, 15 USC 6802 ( b ) states that financial institutions can not disclose nonpublic personal information to non affiliated third parties unless they explain how consumers can exercise their right to nondisclosure. Unfortunately, the Furnisher of information to credit agencies never informed me of this right.

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report, especially if it predates the report by more than seven years. The account theyre reporting without my permission falls into this category, which is unlawful.

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person must not provide inaccurate information to a consumer reporting agency. Experian should maintain reasonable procedures to avoid violations of section 1681c and limit the use of consumer reports to specific purposes ( as outlined in section 1681b ).

In accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (PA)

I submitted a dispute via cfpb portal last month. Affirm gave response saying that I could make another dispute via their website. The website link provided did not allow me to make a dispute via that link. When i went to the app, it didnt allow me to either. 

Since this time, I have spoken with Affirm on several ( at least 4 ) occasions via telephone and chat, was told that the dispute would be put in and even escalated to net level. Have never received any information regarding disputes or elevation status. 

I was told that in the meantime, while is dispute status, I would not have to make payments while this is investigated and updated. 
After that I would get automated messages get from the Affirm saying that my account was delinquent. When i called back to ask agent on this, they would confirm that its just taking time for systems to update and that payment would be on hold during investigation. As recent as yesterday, i was put in bad credit from the credit bureaus due to lack of payment. I have been in great payment status with affirm since the beginning of our relationship, years back. This is not fair and the practices are very inconsistent. Please rectify the dispute as well as my bad credit rating.
Consumer complaint received 2024-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (SC)

im getting a debt collector that says that i owe. DEBT FOR THIS ACCOUNT NUMBER WAS ending in XXXX BUT XXXX  SAYS MY ACCOUNT NUMBER IS THIS XXXX THESE ARE NOT EVEN CLOSE TO BE THE SAME.i have closed the previous account and paid all the bills and returned the equipment.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

XXXX XXXX amount for {$720.00} no record of this debit that was open on XX/XX/scrub>XXXX  I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid.

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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have a debt in collections on my credit report for {$610.00}. It is not my debt. Ive contacted the company and the original creditor. They have nothing in their system saying I owe this amount but yet, it is on my credit report.
Consumer complaint received 2024-10-19
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account is reporting as a charge off with a balance of {$12000.00}, the date last active is inaccurate, and the last date reported is not accurate. The account history of late payments is inaccurate, the car was XXXX on or around XX/XX/year> not later the charge off date is inaccurate. 
This ground for removal they also violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to Privacy. 
15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Also, the credit Bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

Since XXXX, I have been dealing with XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I remain XXXX XXXX XXXX XXXX XXXX XXXX, fraudulent accounts were opened in my name. Due to my health, I was unaware of these activities until my condition improved, at which point I began submitting disputes with both the creditors and credit bureaus. The creditors have investigated and confirmed the accounts were fraudulent, issuing deletion letters. Several creditors also confirmed that the transaction records are no longer available due to the age of the accounts and transfers to multiple parties. In other cases, creditors deleted the accounts without requiring further investigation based on the strength of the evidence. 

However, XXXX continues to report these fraudulent accounts. Despite having provided the FTC Identity Theft Report, proof of identity, and creditor deletion letters multiple times, XXXX refuses to delete these accounts, citing that I may have benefited from the transactions a baseless claim, especially since no transaction records have been provided to me, nor do the original creditors possess them. I have requested these transaction records from both XXXX and the creditors for over a year to no avail. 

XXXX 's implication that I benefited from these transactions, without providing any proof, is deeply harmful and unsupported by any evidence. Their failure to produce the transaction records or provide a detailed investigation contradicts their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, I understand that credit reporting bureaus do not generally maintain transaction records ; however, since XXXX is referring to these transactions, I suspect they may have more access to this data than they are disclosing. 

Additionally, I am not interested in providing more evidence as I have already submitted more than is legally required. Every prior complaint includes the FTC Identity Theft Report, hospice certification, and the creditor deletion letters. I am also documenting all communication for a future lawsuit, as my health currently prevents me from pursuing litigation. The stress from these ongoing false accusations has XXXX my condition, resulting in XXXX XXXX XXXX XXXX XXXX XXXX, which I have documented.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

I was supposed to receive my new credit card on XX/XX/2024 in the mail via USPS. I verified this through USPS informed delivery. I never received it in the mail. I had my neighbors verify they also did not receive it. I never activated the credit card either. I made one legitimate purchase via XXXX by using the wells fargo " add card to digital wallet feature '' and then all the fraudulent charges were made after that. 

Again, I never received my credit card in the mail since it appears it was stolen. I called Wells Fargo to dispute the XXXX fraudulent charges and they only credited me back for XXXX. This is unacceptable. 

Attached are screenshots of my USPS Informed Delivery showing the missing letter, my Wells Fargo statement with the fraudulent charges used with my stolen credit card which I never activated, and the Wells Fargo Add to digital wallet feature.