davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

Re : Final Notice of Noncompliance Unauthorized Consumer Reporting, Willful Neglect, and Demand for Removal of Inaccurate Tradeline Information To Whom It May Concern : This notice is concerning the ongoing matter of your company 's willful neglect and continued noncompliance regarding the unauthorized and inaccurate reporting of my private source data to consumer reporting agencies. Despite repeated notifications and opportunities to rectify this situation, your company has failed to remedy the inaccuracy and incompleteness of the information in question. Further, your actions lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), resulting in significant and continuous harm, including defamation, breach of privacy, and financial injury. 

To date, all administrative remedies have been exhausted, and your company 's failure to respond appropriately leaves me with no option but to pursue alternative measures. 

Accordingly, if the inaccurate tradeline and unauthorized information are not promptly removed from my consumer report within XXXX ( XXXX ) days from the date of this notice, I will proceed as follows : Filing of IRS Form XXXX : I will initiate the process of filing a Form XXXX with the Internal Revenue Service ( IRS XXXX XXXX requesting XXXX discharge of any alleged debt related to the unauthorized tradeline reporting, as such debt, if any, is invalid and has caused me undue harm. 

IRS XXXX XXXX : I will also submit a demand for an audit of the relevant account to the IRS to determine the legitimacy of your company 's actions and compliance with federal regulations concerning the handling of consumer data and permissible reporting practices. 

Filing of IRS Form XXXX : A formal IRS Form XXXX ( Information Referral ) will be submitted, highlighting potential tax law violations by your company in relation to the unauthorized use and dissemination of private source data without a permissible purpose, unjustly enriching your company at my expense. This filing will include an attached fee schedule for each documented violation. 

I remain prepared to take all necessary steps to protect my rights, including pursuing legal action for damages resulting from your continued failure to comply with applicable laws. Should I not receive immediate confirmation of the removal of the inaccurate tradeline and related information, I will proceed accordingly without further notice. 

Please consider this your final opportunity to correct this issue and avoid the aforementioned actions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the months of XX/XX/year> and XX/XX/year> Bank of America N.A has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (SC)

To Whom It May Concern, I am writing regarding the fraudulent debt claim made against me by XXXX XXXX XXXX, as well as the illegal actions taken by Scott and Associates in attempting to collect this alleged debt. 

Let me be absolutely clear : I do not owe this debt, and I am formally disputing its validity. The debt you claim is mine was fraudulently created, and I have no obligation to pay it. Despite my repeated requests, you have failed to provide any legitimate documentation proving that this debt is valid or that I am responsible for it. 

By continuing to pursue this fraudulent claim, you are violating multiple federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. Your actions constitute harassment and misrepresentation of the debt, and I will not tolerate any further attempts to collect on this illegitimate claim. 

If this matter is not immediately resolved and this debt is not removed from my credit report, I will be left with no choice but to pursue legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, as well as seeking damages for your violations of federal law like the last lawsuit your company endured paying well over {$12.00} million dollars for illegal ttempts to collect. 

This is your final warning. Cease all collection attempts, remove the fraudulent debt from my credit report, and confirm in writing that this matter is resolved. 

Failure to comply with this demand will result in legal proceedings against both XXXX XXXX XXXX and Scott and Associates. 

Sincerely,
Consumer complaint received 2024-09-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Finmax Smart Capital LLC (AL)

This company has my phone number, because they have previously called me and spoken with me on the phone, yet they keep calling my mother after repeated notifications to stop calling her. I am not avoiding their calls yet they do not call me. They are calling my mother and leaving her threatening emails when she has nothing to do with this account.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (CA)

I have reached out directly to 1st Franklin Financial via certified mail to disputed some late payments that was furnished on my account. I allowed the furnisher 30 days to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Consumer complaint received 2024-09-10
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: Bread Financial Holdings, Inc. (FL)

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : XXXX. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/year>, XXXX ) - XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX **XXXX XXXX XXXX** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX/Chargeoff ( {$1400.00}, XXXX ) - **Comenity CB/Zales*XXXX XXXX ( Late XXXX Days, XXXX ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX : ** - A fraud victim alert is active on my *XXXX* file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal. 

XXXX. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.
Consumer complaint received 2024-09-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX has XXXX so many different amounts to collect and I have already submitted this complaint to the CFPB it was resolved through another company in which they were attempting to collect XXXX dollars and that amount was not reflected on any bill. Now XXXX is attempting to collect XXXX dollars from another debt collector XXXX. They have never provided a bill that makes sense to me. As they bill XXXX  month in advance and I ended services with them on XX/XX/year>. They said they would provide me a prorated bill but each bill has been ridiculous and doesnt make sense. The amounts keep changing. 

I am attaching the previous complaint ; along with the response as you will see the previous debt collection company was trying to collect a different amount. Now this company is trying to collect XXXX dollars. They keep making up amounts ; I am also submitting the previous bills the previous debt collection sent with no bill amounts matching anything not even these collection amounts.
Consumer complaint received 2024-10-07
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} Inquiries that I do not have accounts with and took no credit or loan out for that's still reporting on my personal files. 

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 XXXXXXXX I looked at my credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I logged into my account to schedule my payment and was advised to call In rep advised there is a cut off time and I am now being charged a late fee I asked for them to waive since I had been hold and if the rep would have process the payment immediately it would have avoided the cut off time the reps are incompetent and ask the same questions over and over
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I, XXXX XXXX an XXXX XXXX applied for an increase for my credit card thats opened with ( Capital One ) was for XXXX, i was denied due to many factors but 15 USC 1691 & 12 CFR 1002, I cant be denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal. Securities exchange act, Federal Reserve Act.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Attempted to sign up for account for ChexSystem 's consumer portal. After having numerous issues, I was able to get past the information submission part. However, after, I am now unable to continue further due to the website " Unable to generate security questions '' for me. When calling for further help, I was given a number to contact, with them also being confused and unaware of how to assist with me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( XXXX ) ( A ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-09
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: TRUIST FINANCIAL CORPORATION (TX)

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Acceptance and XX/XX/XXXX for XXXXXXXX XXXX I have attached a copy of the identity theft police report to this complaint.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove these inaccurate 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (WA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collections account opened at Sunrisecred on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-09
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: SYNCHRONY FINANCIAL (TX)

I am a victim of identity theft. Upon review I found the following inquiries on my credit report that I did not authorize. The unauthorized pulls of my credit file by this creditor took place on XX/XX/year>. A copy of the police report is attached.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (FL)

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX XXXX XXXX ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ XXXX XXXX ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly
Consumer complaint received 2024-09-09
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: Fidelity National Information Services, Inc. (FNIS) (MA)

I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!