davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-27
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: BARCLAYS BANK DELAWARE (TX)

See the previous complaints regarding this same request. I have also sent this request via letter to the address provided in the company 's previous response. My request remains the same. Ive requested validation of this debt ( XXXX times now ), i.e. my authorization/approval ( signature ) of the purchase of this timeshare. XXXX provided a credit card application which is not my signature, cardmember agreements, billing statements, and terms and conditions. None of which represents a validation of the charge to this account in the amount of {$4100.00}. Proper validation would be an agreement or contract with my signature authorizing and agreeing to terms of the timeshare purchase. You stated in the response there was an e-signature but failed to provide evidence of those documents. E-signature software does produce documents/agreements/contracts which would be critical to the purchase of property. Having my name, address, and email address does not make it Acknowledgement and Consent. My information was used without my consent and that makes it fraud. Thats the real crime... .someone used my information without my authorization/approval. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. Reporting it would be an inaccurate representation of the truth. Inform them that the debt is disputed, and request they remove it from my credit report. Reporting information that you know to be inaccurate violates the Fair Credit Reporting Act.
Consumer complaint received 2023-06-27
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureau are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (SC)

This is my second complaint regarding a fraudulent debt being reported and pursued by Ability Recovery Services , LLC ( ARS ) ( Complaint ID : XXXX ). This debt is the result of identity theft, and I am not responsible for it. 

I have taken the following steps to resolve this matter : XXXX. Provided ARS with my FTC Identity Theft Report ( Report Number : XXXX ) and supporting documentation proving that this debt is fraudulent. 
2. Sent a formal cease and desist letter, demanding the cessation of all collection activities and requesting proper debt validation, as required under the Fair Debt Collection Practices Act ( FDCPA ).

3. Notified ARS that the debt must be removed from my credit report because it is not valid.

Despite these efforts, ARS continues to pursue collection and has failed to provide adequate validation of this debt. Additionally, ARS has placed the debt in a disputed/cease and desist status but has not acknowledged the fraudulent nature of the account or taken the necessary steps to resolve the issue.

Details of the Debt : Debt Collector : Ability Recovery Services , LLC ( ARS ) Type of Debt : Medical debt Account Number : XXXX Supporting Documentation Attached : FTC Identity Theft Report ( Report Number : XXXX )
Consumer complaint received 2023-06-27
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. (TX)

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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

I was charged XXXX dollars in over draft fees and they only gave me XXXX dollars back when I complained to them. 

OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$17.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$13.00} RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$18.00} XXXX XXXX XXXX  Payment XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$27.00} XXXX XXXX XXXX Payment XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$12.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$16.00} XXXX XXXX XXXX  FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$92.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$35.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FEE FOR A TRANSACTION POSTED XXXX XX/XX/XXXX {$16.00} XXXX XXXX XXXXXXXX FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} FEES XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$35.00}
Consumer complaint received 2024-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CO)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (NJ)

I am filing this complaint to MyEquifax, which is the company and website that manages credit reports for the credit bureau called Equifax. Since XX/XX/XXXX, I have noticed that my MyEquifax profile was locked, even when putting in the correct username and password, even when using the " reset password '' feature on the website and putting in all the correct identifying information, when I do this it prompts me to call the customer service phone number for My Equifax, XXXX. 

I have called the number, it always takes one hour or 1.5 hours on the phone to verify my identity, which I do successfully every time. I have asked for my online access to be restored during every one of these phone calls, I have talked to them on the phone on 11 separate occasions during the months of : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX Every single time they tell me they have submitted my request to their IT department. And every single time I am still locked out of my account. 

I received an email from XXXX from Equifax Customer care on XXXX XXXX XXXX saying my online access has been restored. Unfortunately, this wasn't true, nothing was done about my online access by Equifax and I am still can not get into the online portal with my correct credentials.

This has causes me great harm and delays in monitoring my credit and obtaining credit products that use the Equifax bureau. It is absolutely inexcusable for any firm to take more than 11 MONTHS to resolve a simple matter such as restoring online access to their portal.
Consumer complaint received 2024-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (WA)

We received 2 refund checks out of escrow for unused funds. We also received notification that we could qualify for home financial aid payment though we had made all of our loan payments per the record online. We were concerned so we checked the county website on property taxes and it says that we are delinquent. Per our loan agreement the loan company is to pay the property taxes. I called Flagstar bank to let them know and ask why and they stated we did not have a parcel number yet. I called the county to check on this and they stated we did have a parcel number. I then emailed Flagstar to let them know the parcel number. I got an message sent back from the email that there was no attachment but explained to them that I had only provided the parcel number in the email. I then chatted them in late XXXX to check on it again and got a response that the tax team was aware and working on it. I could chat them to check on this. The taxes are now due XX/XX/year> with no payment on record and they are now transferring the loan. This issue is still not resolved and we will now have to try and resolve this with the new loan company.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (PA)

Per the FCRA, as a federally protective consumer, I am now opting out of any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 

I Sent out notification multiple times last year for opt out and transaction reporting letter notification needs to be addressed as a federally protected consumer.
Consumer complaint received 2024-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX, IC Systems, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, IC Systems, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that I do not recognize.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please read this statement and comply as it contains my full complaint and request : The discrepancies pertain to the following items : XXXX  XXXX XXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b UNKNOWN : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I notified XXXX and TransUnion on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both XXXX and TransUnion to block and delete this account from my credit report within 4 business days. XXXX and TransUnion are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. XXXX and TransUnion are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NH)

RE : Notice of Intent to Arbitrate and Demand for Proof of Investigation and Deletion of Inaccurate Late Payments To Whom It May Concern : I am formally issuing this notice of action for arbitration due to the continued reporting of inaccurate late payments by Kikoff Lending on my XXXX and XXXX credit reports. Despite multiple disputes and requests for investigation, Kikoff has failed to provide a thorough response, including the method of investigation and sources used to verify these inaccuracies. As a data furnisher, Kikoff is bound by the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting and transparency in responding to disputes, as well as by other consumer protection laws enforced by the Consumer Financial Protection Bureau ( CFPB ). 
The accounts in question are as follows : Account Number : XXXX Account Number : XXXX o XXXX : Reporting 90 days late without active payment history, as well as a separate report with positive/current payment history, but a status of 90 days late, which is inaccurate. 
o XXXX : XXXX 60 days late, which is inaccurate. 
I have attached evidence showing these inaccuracies on my consumer reports. Despite my attempts to resolve these issues, Kikoff has merely stated that the accounts were verified without supplying any evidence or documentation of the sources and methods used in this verification. This lack of transparency violates the FCRAs requirements for accuracy, reinvestigation, and reporting obligations under XXXX. 

To resolve this matter without arbitration, I demand that Kikoff : XXXX. Provide XXXX XXXX : Disclose the specific sources of information used to verify these accounts, including any third-party entities contacted during this process. 
XXXX. Correct or Delete XXXX Accounts : Remove the inaccurate entries or update them to XXXX on XXXX if you can not substantiate the late payment claims within XXXX days from receipt of this notice. 
Under the FCRA, both willful and negligent non-compliance can result in liability for damages under 15 U.S.C. 1681n and 1681o. Non-compliance carries potential statutory damages of {$100.00} to {$1000.00} per violation, plus attorney fees and punitive damages. 
If this matter can not be resolved promptly, please be advised of the following potential costs associated with arbitration : Arbitration Filing Fees : {$2000.00} Legal Fees : {$5000.00} Administrative Costs : {$2000.00} Time and Effort Compensation : {$3000.00} Credit Denials : {$20000.00} Total Potential Costs : {$32000.00}
Consumer complaint received 2024-11-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NY)

I checked my credit and I have a delinquency and I was never made aware of any debt that was owed. I had to dig and find out what the debt is for a utility bill at an address I haven't lived at for almost XXXX. I am a service member currently overseas and can only correspond via email, so I found contact info and emailed Sunrise Credit Service requesting more information and informed them I am currently serving overseas and they did not provide any additional information. Now my credit is ruined and will severely affect my chances of finding a place to live when I get home. I can provide any additional information needed.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My social is XXXX XXXX XXXX, and on or around XX/XX/XXXX XXXX, and transunion neglected my attemps to have false information and unsolicited credit checks removed from my accounts
Consumer complaint received 2024-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (MO)

I applied for a personal loan online, was pre approved, and hard credit query was performed. Upon approval, I was required to submit XXXX documents, a pay stub, and a document with my bank information ( bank statement or voided check were specified ). I provided a bank statement, which was declined due to part of the account number being blurred. They then requested a voided check. I went to my bank and got a voided check, scanned and submitted it. Then XXXX hours later, I received a message telling me my document verification could not be completed and that I had a detailed message sent to my account inbox regarding this message. Within the same minute, I received another email telling me my account had been terminated. Now I can not access the account to view the message, and I have spoken with XXXX people on the phone within the company to try to figure out where I can receive this message and all three have told me I will not be receiving another message and they can not help me.
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a fraudulent wire transfer involving my bank account at XXXX XXXX and my sister 's account at XXXX XXXX. 

On XX/XX/year>, I transferred {$330000.00} from my XXXX XXXX account to a fraudulent Citi Bank account ( account # : XXXX ). My sister also transferred {$90000.00} from her XXXX XXXX  account to the same fraudulent Citi account. Upon realizing the fraud, we immediately reported the incident to both XXXX and XXXX on XX/XX/year>, and both banks initiated a wire recall process for the transfers on the same day. 

After notifying our banks, we filed a report with the Internet Crime Complaint Center ( IC3 ), which is operated by the FBI, to formally document the fraud. In addition, we contacted Citi Bank the same day to report the fraudulent account and transfers ; however, Citi Bank refused to engage with us, preventing us from providing crucial information regarding the fraudulent activity. 

Given the severity of the fraud and the lack of cooperation from Citi Bank, I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter and facilitate appropriate action to recover the transferred funds. I also seek guidance on further steps I should take to resolve this situation. 

Thank you for your attention to this matter. I am available for any additional information you may require.